Matica Fintec SpAMIL:MFT -4.72%41 ROA % is 0.67% as of Dec. 2025, which is 82% below its 10-year median of 3.65. GuruFocus rates MIL:MFT with a GF Score™ of 41/100 and a GF Value™ of €0.82 (Significantly Overvalued). The stock has 13 warning signs investors should review. Among 2,498 Hardware companies, Matica Fintec SpA ranks worse than 56.41% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Matica Fintec SpA's annualizedNet Income for the quarter that ended in Dec. 2025 was €0.51 Mil.
Matica Fintec SpA's average Total Assets over the quarter that ended in Dec. 2025 was €77.21 Mil. Therefore, Matica Fintec SpA's annualized ROA % for the quarter that ended in Dec. 2025 was 0.67%.
The historical rank and industry rank for Matica Fintec SpA's ROA % or its related term are showing as below:
MIL:MFT'
s ROA % Range Over the Past 10 Years
Min: -1.7 Med: 3.65 Max: 9.38
Current: 1.38
During the past 8 years, Matica Fintec SpA's highest ROA % was 9.38%. The lowest was -1.70%. And the median was 3.65%.
MIL:MFT's ROA % is ranked worse than 56.41% of 2498
companies
in the Hardware industry
Industry Median: 2.27
vs MIL:MFT: 1.38
Matica Fintec SpA (MIL:MFT) 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.
Matica Fintec SpA ROA % Related Terms
Matica Fintec SpA ROA % Historical Data
* Premium members only.
The historical data trend for Matica Fintec SpA'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 Computer Hardware subindustry, Matica Fintec SpA'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.
Matica Fintec SpA ROA % vs Hardware Industry
For the Hardware industry and Technology sector, Matica Fintec SpA's ROA % distribution charts can be found below:
* The bar in red indicates where Matica Fintec SpA'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.
Matica Fintec SpA (MIL:MFT) has a ROA % of 0.67% 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 Matica Fintec SpA and its competitors. This is 82% below median its historical median of 3.65. According to the industry distribution chart, Matica Fintec SpA ranks #1409 out of 2498 companies in the Hardware industry, placing it in the top 56.4%.
Is Matica Fintec SpA's ROA % too high?
Matica Fintec SpA's current ROA % of 0.67% is 82% below median its 10-year median of 3.65. The Hardware industry median ROA % is 2.27. Matica Fintec SpA's value of 0.67% is 70.5% below this industry median. Based on the distribution chart, Matica Fintec SpA ranks #1409 out of 2498 companies in the Hardware industry, which is below the industry midpoint. Overall, Matica Fintec SpA has a GF Score™ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Matica Fintec SpA's ROA % compare to DELL and SNDK?
According to the Hardware industry distribution chart, Matica Fintec SpA ranks #1409 out of 2498 companies for ROA %. This places Matica Fintec SpA in the lower half of its industry. The industry median ROA % is 2.27. Matica Fintec SpA's value of 0.67% is 70.5% below this benchmark. While the company's 10-year median is 3.65 vs. the industry median of 2.27, Matica Fintec SpA 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 Hardware company?
The median ROA % among Hardware companies is 2.27, based on 2,498 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. Matica Fintec SpA's current ROA % of 0.67% is 70.5% 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 Matica Fintec SpA and its competitors. For the Hardware industry, the median ROA % is 2.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Matica Fintec SpA's current ROA % is 0.67%, which is 82% below median its own 10-year median of 3.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Matica Fintec SpA stock overvalued right now?
Based on GuruFocus' analysis, Matica Fintec SpA (MIL:MFT) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.82, compared to a current price of €2.02 — trading 146.3% above its estimated fair value. The current ROA % is 0.67%, which is 82% below median its 10-year median of 3.65 and 70.5% below the Hardware industry median of 2.27. Matica Fintec SpA's overall GF Score™ is 41/100 with 13 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 Matica Fintec SpA (MIL:MFT), the current ROA % is 0.67% 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 Matica Fintec SpA (MIL:MFT) Overvalued in 2026?
Based on GuruFocus' analysis, Matica Fintec SpA stock appears to be overvalued.
The current stock price of €2.02 is trading 146.3% above its estimated GF Value™ of €0.82.
GuruFocus considers Matica Fintec SpA to be Significantly Overvalued.
Key valuation signals for MIL:MFT:
ROA %: 0.67% (82% below median its 10-year median of 3.65)
GF Value™: €0.82 vs. price of €2.02 (146.3% above fair value)
Industry Position: 70.5% below the Hardware median (#1409 of 2498)
No single metric tells the full story. See the MIL:MFT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Matica Fintec SpA designs, develops and sells technological solutions for Banking and Government Institutions. The company specializes in the design, development, and marketing of software and integrated security equipment for credit cards, identity cards, passports, driving licenses, access control badges, etc. Geographically, the company generates maximum revenue from its business in Europe and the rest from South America, Asia, the United States, Africa, United Arab Emirates, India, the Middle East, Italy, and other regions.
41GF Score
Get the complete analysis for MIL:MFT
ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MIL:MFT has been successfully added to your 
