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FIMBankMAL:FIM +6.25%24 ROA % is 0.30% as of Dec. 2025, which is 2900% above its 10-year median of 0.01. GuruFocus rates MAL:FIM with a GF Score™ of 24/100 and a GF Value™ of $0.17 (Fairly Valued). The stock has 3 warning signs investors should review. Among 545 Credit Services companies, FIMBank ranks worse than 75.96% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. FIMBank's annualizedNet Income for the quarter that ended in Dec. 2025 was $3.86 Mil.
FIMBank's average Total Assets over the quarter that ended in Dec. 2025 was $1,308.89 Mil. Therefore, FIMBank's annualized ROA % for the quarter that ended in Dec. 2025 was 0.30%.
The historical rank and industry rank for FIMBank's ROA % or its related term are showing as below:
MAL:FIM'
s ROA % Range Over the Past 10 Years
Min: -2.52 Med: 0.01 Max: 0.58
Current: 0.01
During the past 13 years, FIMBank's highest ROA % was 0.58%. The lowest was -2.52%. And the median was 0.01%.
MAL:FIM's ROA % is ranked worse than 75.96% of 545
companies
in the Credit Services industry
Industry Median: 1.91
vs MAL:FIM: 0.01
FIMBank (MAL:FIM) 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.
FIMBank ROA % Related Terms
FIMBank ROA % Historical Data
* Premium members only.
The historical data trend for FIMBank's ROA % can be seen below:
* 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, FIMBank'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.
FIMBank ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FIMBank's ROA % distribution charts can be found below:
* The bar in red indicates where FIMBank'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.
FIMBank (MAL:FIM) has a ROA % of 0.30% 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 FIMBank and its competitors. This is 2900% above median its historical median of 0.01. According to the industry distribution chart, FIMBank ranks #414 out of 545 companies in the Credit Services industry, placing it in the top 76%.
Is FIMBank's ROA % too high?
FIMBank's current ROA % of 0.30% is 2900% above median its 10-year median of 0.01. The Credit Services industry median ROA % is 1.91. FIMBank's value of 0.30% is 84.3% below this industry median. Based on the distribution chart, FIMBank ranks #414 out of 545 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, FIMBank has a GF Score™ of 24/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does FIMBank's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, FIMBank ranks #414 out of 545 companies for ROA %. This places FIMBank in the lower half of its industry. The industry median ROA % is 1.91. FIMBank's value of 0.30% is 84.3% below this benchmark. While the company's 10-year median is 0.01 vs. the industry median of 1.91, FIMBank has consistently been below 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 1.91, based on 545 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. FIMBank's current ROA % of 0.30% is 84.3% 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 FIMBank and its competitors. For the Credit Services industry, the median ROA % is 1.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FIMBank's current ROA % is 0.30%, which is 2900% above median its own 10-year median of 0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FIMBank stock overvalued right now?
Based on GuruFocus' analysis, FIMBank (MAL:FIM) is currently considered Fairly Valued. The stock's GF Value™ is $0.17, compared to a current price of $0.17 — trading right at its estimated fair value. The current ROA % is 0.30%, which is 2900% above median its 10-year median of 0.01 and 84.3% below the Credit Services industry median of 1.91. FIMBank's overall GF Score™ is 24/100 with 3 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 FIMBank (MAL:FIM), the current ROA % is 0.30% 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 FIMBank (MAL:FIM) Overvalued in 2026?
Based on GuruFocus' analysis, FIMBank stock appears to be undervalued.
The current stock price of $0.17 is trading 0% below its estimated GF Value™ of $0.17.
GuruFocus considers FIMBank to be Fairly Valued.
Key valuation signals for MAL:FIM:
ROA %: 0.30% (2900% above median its 10-year median of 0.01)
GF Value™: $0.17 vs. price of $0.17 (0% below fair value)
Industry Position: 84.3% below the Credit Services median (#414 of 545)
No single metric tells the full story. See the MAL:FIM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FIMBank PLC is a finance company that is active in providing international trade finance and acts as an intermediary to other financial institutions for international settlements, real estate financing, factoring, and loan syndications. The company provides solutions through its five business segments of Trade Finance, Forfaiting, Factoring, Treasury, and Real Estate; out of which key revenues are derived from the Forfaiting segment. The company has a business presence in Malta, India, Turkey, Cote d'Ivoire and other countries.
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