ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. SaveLend Group AB's annualizedNet Income for the quarter that ended in Dec. 2025 was kr-2.60 Mil.
SaveLend Group AB's average Total Assets over the quarter that ended in Dec. 2025 was kr373.77 Mil. Therefore, SaveLend Group AB's annualized ROA % for the quarter that ended in Dec. 2025 was -0.70%.
The historical rank and industry rank for SaveLend Group AB's ROA % or its related term are showing as below:
OSTO:YIELD'
s ROA % Range Over the Past 10 Years
Min: -13.73 Med: -6.63 Max: -0.18
Current: -0.18
During the past 7 years, SaveLend Group AB's highest ROA % was -0.18%. The lowest was -13.73%. And the median was -6.63%.
OSTO:YIELD's ROA % is ranked worse than 77.25% of 545
companies
in the Credit Services industry
Industry Median: 1.92
vs OSTO:YIELD: -0.18
SaveLend Group AB (OSTO:YIELD) 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 (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (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.
SaveLend Group AB ROA % Related Terms
SaveLend Group AB ROA % Historical Data
* Premium members only.
The historical data trend for SaveLend Group AB'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, SaveLend Group AB'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.
SaveLend Group AB ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SaveLend Group AB's ROA % distribution charts can be found below:
* The bar in red indicates where SaveLend Group AB'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 (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
SaveLend Group AB (OSTO:YIELD) has a ROA % of -0.70% 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 SaveLend Group AB and its competitors. According to the industry distribution chart, SaveLend Group AB ranks #421 out of 545 companies in the Credit Services industry, placing it in the top 77.2%.
Is SaveLend Group AB's ROA % too high?
SaveLend Group AB's current ROA % is -0.70%. Based on the distribution chart, SaveLend Group AB ranks #421 out of 545 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, SaveLend Group AB has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SaveLend Group AB's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, SaveLend Group AB ranks #421 out of 545 companies for ROA %. This places SaveLend Group AB in the lower half of its industry. The industry median ROA % is 1.92. 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 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. 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 SaveLend Group AB 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. SaveLend Group AB's current ROA % is -0.70%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SaveLend Group AB stock overvalued right now?
Based on GuruFocus' analysis, SaveLend Group AB (OSTO:YIELD) is currently considered Fairly Valued. The stock's GF Value™ is kr1.70, compared to a current price of kr1.65 — trading 2.9% below its estimated fair value. The current ROA % is -0.70%. SaveLend Group AB's overall GF Score™ is 60/100 with 4 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 SaveLend Group AB (OSTO:YIELD), the current ROA % is -0.70% 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 SaveLend Group AB (OSTO:YIELD) Overvalued in 2026?
Based on GuruFocus' analysis, SaveLend Group AB stock appears to be undervalued.
The current stock price of kr1.65 is trading 2.9% below its estimated GF Value™ of kr1.70.
GuruFocus considers SaveLend Group AB to be Fairly Valued.
Key valuation signals for OSTO:YIELD:
ROA %: -0.70%
GF Value™: kr1.70 vs. price of kr1.65 (2.9% below fair value)
No single metric tells the full story. See the OSTO:YIELD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SaveLend Group AB is fintech company engaged in the peer-to-peer lending segment. The group has two operating segments. The Savings Platform encompasses all activities related to savers and intermediated loans. The Invoice Platform is the operating segment that includes all invoice service activities.
60GF Score
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