Sancus Lending GroupLSE:LEND ROA % is 0.94% as of Dec. 2025. The stock has 9 warning signs investors should review. Among 546 Credit Services companies, Sancus Lending Group ranks worse than 68.32% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Sancus Lending Group's annualizedNet Income for the quarter that ended in Dec. 2025 was £1.65 Mil.
Sancus Lending Group's average Total Assets over the quarter that ended in Dec. 2025 was £175.94 Mil. Therefore, Sancus Lending Group's annualized ROA % for the quarter that ended in Dec. 2025 was 0.94%.
The historical rank and industry rank for Sancus Lending Group's ROA % or its related term are showing as below:
LSE:LEND'
s ROA % Range Over the Past 10 Years
Min: -20.86 Med: -11.33 Max: 0.6
Current: 0.6
During the past 13 years, Sancus Lending Group's highest ROA % was 0.60%. The lowest was -20.86%. And the median was -11.33%.
LSE:LEND's ROA % is ranked worse than 68.32% of 546
companies
in the Credit Services industry
Industry Median: 1.915
vs LSE:LEND: 0.60
Sancus Lending Group (LSE:LEND) 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.
* 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, Sancus Lending 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.
Sancus Lending Group ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sancus Lending Group's ROA % distribution charts can be found below:
* The bar in red indicates where Sancus Lending 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.
Sancus Lending Group (LSE:LEND) has a ROA % of 0.94% 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 Sancus Lending Group and its competitors. According to the industry distribution chart, Sancus Lending Group ranks #373 out of 546 companies in the Credit Services industry, placing it in the top 68.3%.
Is Sancus Lending Group's ROA % too high?
Sancus Lending Group's current ROA % is 0.94%. The Credit Services industry median ROA % is 1.92. Sancus Lending Group's value of 0.94% is 50.9% below this industry median. Based on the distribution chart, Sancus Lending Group ranks #373 out of 546 companies in the Credit Services industry, which is below the industry midpoint.
How does Sancus Lending Group's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Sancus Lending Group ranks #373 out of 546 companies for ROA %. This places Sancus Lending Group in the lower half of its industry. The industry median ROA % is 1.92. Sancus Lending Group's value of 0.94% is 50.9% below this benchmark. 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 1.92, based on 546 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. Sancus Lending Group's current ROA % of 0.94% is 50.9% below 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 Sancus Lending Group and its competitors. For the Credit Services industry, the median ROA % is 1.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sancus Lending Group's current ROA % is 0.94%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sancus Lending Group stock overvalued right now?
Based on GuruFocus' analysis, Sancus Lending Group (LSE:LEND) is currently considered Modestly Overvalued. The stock's GF Value™ is £0.01, compared to a current price of £0.01 — trading 20% above its estimated fair value. The current ROA % is 0.94% and 50.9% below the Credit Services industry median of 1.92. 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 Sancus Lending Group (LSE:LEND), the current ROA % is 0.94% 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.
Sancus Lending Group Ltd is an alternative finance provider, offering borrowers fast, bespoke bridging and development finance and co-funders a range of asset-backed funding opportunities. Its segments include Offshore, United Kingdom, Ireland, and Sancus Loans Limited. The Offshore segment includes the operations of Sancus Lending (Jersey) Limited, Sancus Lending (Guernsey) Limited, Sancus Lending (Gibraltar) Limited, Sancus Properties Limited, and Sancus Group Holdings Limited. The United Kingdom segment contains the operations of Sancus Lending (UK) Limited and Sancus Holdings (UK) Limited. The Ireland segment contains the operations of Sancus Lending (Ireland) Limited. The Sancus Loans Limited contains the operations of Sancus Loans Limited and Sancus Loans No.3 Limited.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LSE:LEND has been successfully added to your 