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Global International Credit GroupHKSE:01669 43 ROA % is 5.08% as of Dec. 2025, which is 13% below its 10-year median of 5.84. GuruFocus rates HKSE:01669 with a GF Score™ of 43/100 and a GF Value™ of HK$0.50 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 547 Credit Services companies, Global International Credit Group ranks better than 82.27% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Global International Credit Group's annualizedNet Income for the quarter that ended in Dec. 2025 was HK$48.69 Mil.
Global International Credit Group's average Total Assets over the quarter that ended in Dec. 2025 was HK$958.70 Mil. Therefore, Global International Credit Group's annualized ROA % for the quarter that ended in Dec. 2025 was 5.08%.
Global International Credit Group (HKSE:01669) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Global International Credit Group ROA % Related Terms
Global International Credit Group ROA % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Global International Credit Group's ROA %, along with its competitors' market caps and ROA % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Global International Credit Group ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Global International Credit Group's ROA % distribution charts can be found below:
* The bar in red indicates where Global International Credit Group's ROA % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Global International Credit Group (HKSE:01669) has a ROA % of 5.08% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Global International Credit Group and its competitors. This is 13% below median its historical median of 5.84. Over the past decade, Global International Credit Group's ROA % has ranged from 4.86 to 7.18. According to the industry distribution chart, Global International Credit Group ranks #97 out of 547 companies in the Credit Services industry, placing it in the top 17.7%.
Is Global International Credit Group's ROA % too high?
Global International Credit Group's current ROA % of 5.08% is 13% below median its 10-year median of 5.84. Over the past 10 years, this metric has ranged from a low of 4.86 to a high of 7.18. The Credit Services industry median ROA % is 2.02. Global International Credit Group's value of 5.08% is 151.5% above this industry median. Based on the distribution chart, Global International Credit Group ranks #97 out of 547 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Global International Credit Group has a GF Score™ of 43/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Global International Credit Group's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Global International Credit Group ranks #97 out of 547 companies for ROA %. This places Global International Credit Group in the top 18% of its industry — outperforming the majority of peers. The industry median ROA % is 2.02. Global International Credit Group's value of 5.08% is 151.5% above this benchmark. Historically, Global International Credit Group's own ROA % has ranged from 4.86 to 7.18 over the past decade. While the company's 10-year median is 5.84 vs. the industry median of 2.02, Global International Credit Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 2.02, based on 547 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Global International Credit Group's current ROA % of 5.08% is 151.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Global International Credit Group and its competitors. For the Credit Services industry, the median ROA % is 2.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Global International Credit Group's current ROA % is 5.08%, which is 13% below median its own 10-year median of 5.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Global International Credit Group stock overvalued right now?
Based on GuruFocus' analysis, Global International Credit Group (HKSE:01669) is currently considered Significantly Overvalued. The stock's GF Value™ is HK$0.50, compared to a current price of HK$1.51 — trading 201% above its estimated fair value. The current ROA % is 5.08%, which is 13% below median its 10-year median of 5.84 and 151.5% above the Credit Services industry median of 2.02. Global International Credit Group's overall GF Score™ is 43/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Global International Credit Group (HKSE:01669), the current ROA % is 5.08% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Global International Credit Group (HKSE:01669) Overvalued in 2026?
Based on GuruFocus' analysis, Global International Credit Group stock appears to be overvalued.
The current stock price of HK$1.51 is trading 201% above its estimated GF Value™ of HK$0.50.
GuruFocus considers Global International Credit Group to be Significantly Overvalued.
Key valuation signals for HKSE:01669:
ROA %: 5.08% (13% below median its 10-year median of 5.84)
GF Value™: HK$0.50 vs. price of HK$1.51 (201% above fair value)
Industry Position: 151.5% above the Credit Services median (#97 of 547)
No single metric tells the full story. See the HKSE:01669 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Global International Credit Group Ltd is engaged in the money lending business. The company provides short-term and long-term property mortgage loans to customers in Hong Kong. It provides flexible loan solutions, property mortgage loans, and personal loans. The company's revenue is generated from the money lending business of providing property mortgage loans and personal loans in Hong Kong.
43GF Score
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