Solution FinancialSLNFF 40 ROA % is 1.01% as of Apr. 2026, which is 17% above its 10-year median of 0.86. GuruFocus rates SLNFF with a GF Score™ of 40/100 and a GF Value™ of $0.20 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,336 Vehicles & Parts companies, Solution Financial ranks worse than 66.92% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Solution Financial's annualizedNet Income for the quarter that ended in Apr. 2026 was $0.27 Mil.
Solution Financial's average Total Assets over the quarter that ended in Apr. 2026 was $27.02 Mil. Therefore, Solution Financial's annualized ROA % for the quarter that ended in Apr. 2026 was 1.01%.
The historical rank and industry rank for Solution Financial's ROA % or its related term are showing as below:
SLNFF'
s ROA % Range Over the Past 10 Years
Min: -24.63 Med: 0.86 Max: 2.91
Current: 1.12
During the past 13 years, Solution Financial's highest ROA % was 2.91%. The lowest was -24.63%. And the median was 0.86%.
SLNFF's ROA % is ranked worse than 66.92% of 1336
companies
in the Vehicles & Parts industry
Industry Median: 2.95
vs SLNFF: 1.12
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 (Apr. 2026) net income data. The Revenue data used here is four times the quarterly (Apr. 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.
Solution Financial ROA % Related Terms
Solution Financial ROA % Historical Data
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The historical data trend for Solution Financial'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 Auto & Truck Dealerships subindustry, Solution Financial'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.
Solution Financial ROA % vs Vehicles & Parts Industry
For the Vehicles & Parts industry and Consumer Cyclical sector, Solution Financial's ROA % distribution charts can be found below:
* The bar in red indicates where Solution Financial'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 (Apr. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Solution Financial (SLNFF) has a ROA % of 1.01% as of Apr. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Solution Financial and its competitors. This is 17% above median its historical median of 0.86. According to the industry distribution chart, Solution Financial ranks #894 out of 1336 companies in the Vehicles & Parts industry, placing it in the top 66.9%.
Is Solution Financial's ROA % too high?
Solution Financial's current ROA % of 1.01% is 17% above median its 10-year median of 0.86. The Vehicles & Parts industry median ROA % is 2.95. Solution Financial's value of 1.01% is 65.8% below this industry median. Based on the distribution chart, Solution Financial ranks #894 out of 1336 companies in the Vehicles & Parts industry, which is below the industry midpoint. Overall, Solution Financial has a GF Score™ of 40/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Solution Financial's ROA % compare to CVNA and PAG?
According to the Vehicles & Parts industry distribution chart, Solution Financial ranks #894 out of 1336 companies for ROA %. This places Solution Financial in the lower half of its industry. The industry median ROA % is 2.95. Solution Financial's value of 1.01% is 65.8% below this benchmark. While the company's 10-year median is 0.86 vs. the industry median of 2.95, Solution Financial 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 Vehicles & Parts company?
The median ROA % among Vehicles & Parts companies is 2.95, based on 1,336 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. Solution Financial's current ROA % of 1.01% is 65.8% 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 Solution Financial and its competitors. For the Vehicles & Parts industry, the median ROA % is 2.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solution Financial's current ROA % is 1.01%, which is 17% above median its own 10-year median of 0.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Solution Financial stock overvalued right now?
Based on GuruFocus' analysis, Solution Financial (SLNFF) is currently considered Fairly Valued. The stock's GF Value™ is $0.20, compared to a current price of $0.19 — trading 3.4% below its estimated fair value. The current ROA % is 1.01%, which is 17% above median its 10-year median of 0.86 and 65.8% below the Vehicles & Parts industry median of 2.95. Solution Financial's overall GF Score™ is 40/100 with 5 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 Solution Financial (SLNFF), the current ROA % is 1.01% as of Apr. 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 Solution Financial (SLNFF) Overvalued in 2026?
Based on GuruFocus' analysis, Solution Financial stock appears to be undervalued.
The current stock price of $0.19 is trading 3.4% below its estimated GF Value™ of $0.20.
GuruFocus considers Solution Financial to be Fairly Valued.
Key valuation signals for SLNFF:
ROA %: 1.01% (17% above median its 10-year median of 0.86)
GF Value™: $0.20 vs. price of $0.19 (3.4% below fair value)
Industry Position: 65.8% below the Vehicles & Parts median (#894 of 1336)
No single metric tells the full story. See the SLNFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Solution Financial Inc. specializes in sourcing and leasing solutions for luxury and exotic vehicles, yachts and other high value assets in Canada. The Company operates through retail sales, leases, and financing for automotive vehicles, boats, and commercial equipment and out of three locations being Richmond, British Columbia, Calgary, Alberta and Vaughan, Ontario. The company generates majority of its revenue from sale of vehicles.
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