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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Zuoli Kechuang Micro-finance Co's annualizedNet Income for the quarter that ended in Jun. 2026 was HK$0.0 Mil.
Zuoli Kechuang Micro-finance Co's average Total Assets over the quarter that ended in Jun. 2026 was HK$2,892.3 Mil. Therefore, Zuoli Kechuang Micro-finance Co's annualized ROA % for the quarter that ended in Jun. 2026 was 0.00%.
Zuoli Kechuang Micro-finance Co (HKSE:06866) 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 four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) 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.
Zuoli Kechuang Micro-finance Co ROA % Related Terms
Zuoli Kechuang Micro-finance Co 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, Zuoli Kechuang Micro-finance Co'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.
Zuoli Kechuang Micro-finance Co ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zuoli Kechuang Micro-finance Co's ROA % distribution charts can be found below:
* The bar in red indicates where Zuoli Kechuang Micro-finance Co'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 four times the quarterly (Jun. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Zuoli Kechuang Micro-finance Co (HKSE:06866) has a ROA % of 0.00% as of Jun. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Zuoli Kechuang Micro-finance Co and its competitors. Over the past decade, Zuoli Kechuang Micro-finance Co's ROA % has ranged from 2.33 to 7.97. According to the industry distribution chart, Zuoli Kechuang Micro-finance Co ranks #249 out of 548 companies in the Credit Services industry, placing it in the top 45.4%.
Is Zuoli Kechuang Micro-finance Co's ROA % too high?
Zuoli Kechuang Micro-finance Co's current ROA % is 0.00%. Over the past 10 years, this metric has ranged from a low of 2.33 to a high of 7.97. Based on the distribution chart, Zuoli Kechuang Micro-finance Co ranks #249 out of 548 companies in the Credit Services industry, which is above the industry midpoint. Overall, Zuoli Kechuang Micro-finance Co has a GF Score™ of 34/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zuoli Kechuang Micro-finance Co's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Zuoli Kechuang Micro-finance Co ranks #249 out of 548 companies for ROA %. This puts Zuoli Kechuang Micro-finance Co in the upper half of its industry. The industry median ROA % is 2.00. Historically, Zuoli Kechuang Micro-finance Co's own ROA % has ranged from 2.33 to 7.97 over the past decade. 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 2.00, based on 548 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. 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 Zuoli Kechuang Micro-finance Co and its competitors. For the Credit Services industry, the median ROA % is 2.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zuoli Kechuang Micro-finance Co's current ROA % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zuoli Kechuang Micro-finance Co stock overvalued right now?
Based on GuruFocus' analysis, Zuoli Kechuang Micro-finance Co (HKSE:06866) is currently considered Modestly Overvalued. The stock's GF Value™ is HK$0.24, compared to a current price of HK$0.29 — trading 18.8% above its estimated fair value. The current ROA % is 0.00%. Zuoli Kechuang Micro-finance Co's overall GF Score™ is 34/100 with 1 warning sign 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 Zuoli Kechuang Micro-finance Co (HKSE:06866), the current ROA % is 0.00% as of Jun. 2026. 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 Zuoli Kechuang Micro-finance Co (HKSE:06866) Overvalued in 2026?
Based on GuruFocus' analysis, Zuoli Kechuang Micro-finance Co stock appears to be overvalued.
The current stock price of HK$0.29 is trading 18.8% above its estimated GF Value™ of HK$0.24.
GuruFocus considers Zuoli Kechuang Micro-finance Co to be Modestly Overvalued.
Key valuation signals for HKSE:06866:
ROA %: 0.00%
GF Value™: HK$0.24 vs. price of HK$0.29 (18.8% above fair value)
No single metric tells the full story. See the HKSE:06866 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Zuoli Kechuang Micro-finance Co Ltd is engaged in providing unsecured loans, guaranteed loans, collateralized loans, pledged loans, agriculture loans, individual business loans, other individual loans and loans for agricultural businesses, customers engaged in rural development activities, and/or customers residing in rural areas, SMEs and microenterprises in various industries, as well as online retailers in the businesses of lifestyle products, agricultural products, cultural supplies, and industrial products. The company generates revenue in the form of interest.
34GF Score
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