SSI GroupPHS:SSI +4.00%89 ROA % is 2.11% as of Mar. 2026, which is 43% below its 10-year median of 3.67. GuruFocus rates PHS:SSI with a GF Score™ of 89/100 and a GF Value™ of ₱3.49 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,129 Retail - Cyclical companies, SSI Group ranks better than 59.7% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. SSI Group's annualizedNet Income for the quarter that ended in Mar. 2026 was ₱612 Mil.
SSI Group's average Total Assets over the quarter that ended in Mar. 2026 was ₱28,955 Mil. Therefore, SSI Group's annualized ROA % for the quarter that ended in Mar. 2026 was 2.11%.
The historical rank and industry rank for SSI Group's ROA % or its related term are showing as below:
PHS:SSI'
s ROA % Range Over the Past 10 Years
Min: -4.04 Med: 3.67 Max: 11.53
Current: 4.02
During the past 13 years, SSI Group's highest ROA % was 11.53%. The lowest was -4.04%. And the median was 3.67%.
PHS:SSI's ROA % is ranked better than 59.7% of 1129
companies
in the Retail - Cyclical industry
Industry Median: 2.73
vs PHS:SSI: 4.02
SSI Group (PHS:SSI) 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 (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 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.
SSI Group ROA % Related Terms
SSI Group ROA % Historical Data
* Premium members only.
The historical data trend for SSI Group'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 Apparel Retail subindustry, SSI 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.
SSI Group ROA % vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, SSI Group's ROA % distribution charts can be found below:
* The bar in red indicates where SSI 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 four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
SSI Group (PHS:SSI) has a ROA % of 2.11% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on SSI Group and its competitors. This is 43% below median its historical median of 3.67. According to the industry distribution chart, SSI Group ranks #455 out of 1129 companies in the Retail - Cyclical industry, placing it in the top 40.3%.
Is SSI Group's ROA % too high?
SSI Group's current ROA % of 2.11% is 43% below median its 10-year median of 3.67. The Retail - Cyclical industry median ROA % is 2.73. SSI Group's value of 2.11% is 22.7% below this industry median. Based on the distribution chart, SSI Group ranks #455 out of 1129 companies in the Retail - Cyclical industry, which is above the industry midpoint. Overall, SSI Group has a GF Score™ of 89/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SSI Group's ROA % compare to TJX and ROST?
According to the Retail - Cyclical industry distribution chart, SSI Group ranks #455 out of 1129 companies for ROA %. This puts SSI Group in the upper half of its industry. The industry median ROA % is 2.73. SSI Group's value of 2.11% is 22.7% below this benchmark. While the company's 10-year median is 3.67 vs. the industry median of 2.73, SSI Group 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 Retail - Cyclical company?
The median ROA % among Retail - Cyclical companies is 2.73, based on 1,129 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. SSI Group's current ROA % of 2.11% is 22.7% 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 SSI Group and its competitors. For the Retail - Cyclical industry, the median ROA % is 2.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SSI Group's current ROA % is 2.11%, which is 43% below median its own 10-year median of 3.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SSI Group stock overvalued right now?
Based on GuruFocus' analysis, SSI Group (PHS:SSI) is currently considered Significantly Undervalued. The stock's GF Value™ is ₱3.49, compared to a current price of ₱2.34 — trading 33% below its estimated fair value. The current ROA % is 2.11%, which is 43% below median its 10-year median of 3.67 and 22.7% below the Retail - Cyclical industry median of 2.73. SSI Group's overall GF Score™ is 89/100 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 SSI Group (PHS:SSI), the current ROA % is 2.11% as of Mar. 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 SSI Group (PHS:SSI) Overvalued in 2026?
Based on GuruFocus' analysis, SSI Group stock appears to be undervalued.
The current stock price of ₱2.34 is trading 33% below its estimated GF Value™ of ₱3.49.
GuruFocus considers SSI Group to be Significantly Undervalued.
Key valuation signals for PHS:SSI:
ROA %: 2.11% (43% below median its 10-year median of 3.67)
GF Value™: ₱3.49 vs. price of ₱2.34 (33% below fair value)
Industry Position: 22.7% below the Retail - Cyclical median (#455 of 1129)
No single metric tells the full story. See the PHS:SSI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SSI Group Inc together with its subsidiaries, operates specialty retail stores in the Philippines. The company operates a retail network consists of 628 stores located within approximately 110 malls across the Philippines, including Metro Manila, Luzon, Visayas, and Mindanao. The company provides a broad range of categories and brands, from luxury and bridge apparel to casual wear and fast fashion, as well as footwear, accessories, luggage, food, home and decor, and beauty and personal care.
89GF Score
Get the complete analysis for PHS:SSI
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
PHS:SSI has been successfully added to your 
