Phu Nhuan Jewelry JSCSTC:PNJ -0.94%99 ROA % is 29.45% as of Mar. 2026, which is 101% above its 10-year median of 14.66. GuruFocus rates STC:PNJ with a GF Score™ of 99/100 and a GF Value™ of ₫70,622.07 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,129 Retail - Cyclical companies, Phu Nhuan Jewelry JSC ranks better than 96.28% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Phu Nhuan Jewelry JSC's annualizedNet Income for the quarter that ended in Mar. 2026 was ₫5,869,621 Mil.
Phu Nhuan Jewelry JSC's average Total Assets over the quarter that ended in Mar. 2026 was ₫19,928,208 Mil. Therefore, Phu Nhuan Jewelry JSC's annualized ROA % for the quarter that ended in Mar. 2026 was 29.45%.
The historical rank and industry rank for Phu Nhuan Jewelry JSC's ROA % or its related term are showing as below:
STC:PNJ'
s ROA % Range Over the Past 10 Years
Min: 10.77 Med: 14.66 Max: 19.81
Current: 19.81
During the past 13 years, Phu Nhuan Jewelry JSC's highest ROA % was 19.81%. The lowest was 10.77%. And the median was 14.66%.
STC:PNJ's ROA % is ranked better than 96.28% of 1129
companies
in the Retail - Cyclical industry
Industry Median: 2.73
vs STC:PNJ: 19.81
Phu Nhuan Jewelry JSC (STC:PNJ) 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.
* 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 Luxury Goods subindustry, Phu Nhuan Jewelry JSC'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.
Phu Nhuan Jewelry JSC ROA % vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Phu Nhuan Jewelry JSC's ROA % distribution charts can be found below:
* The bar in red indicates where Phu Nhuan Jewelry JSC'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.
Phu Nhuan Jewelry JSC (STC:PNJ) has a ROA % of 29.45% 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 Phu Nhuan Jewelry JSC and its competitors. This is 101% above median its historical median of 14.66. Over the past decade, Phu Nhuan Jewelry JSC's ROA % has ranged from 10.77 to 19.81. According to the industry distribution chart, Phu Nhuan Jewelry JSC ranks #42 out of 1129 companies in the Retail - Cyclical industry, placing it in the top 3.7%.
Is Phu Nhuan Jewelry JSC's ROA % too high?
Phu Nhuan Jewelry JSC's current ROA % of 29.45% is 101% above median its 10-year median of 14.66. Over the past 10 years, this metric has ranged from a low of 10.77 to a high of 19.81. The Retail - Cyclical industry median ROA % is 2.73. Phu Nhuan Jewelry JSC's value of 29.45% is 978.8% above this industry median. Based on the distribution chart, Phu Nhuan Jewelry JSC ranks #42 out of 1129 companies in the Retail - Cyclical industry, which is in the top quartile — a strong position relative to peers. Overall, Phu Nhuan Jewelry JSC has a GF Score™ of 99/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Phu Nhuan Jewelry JSC's ROA % compare to TPR and SIG?
According to the Retail - Cyclical industry distribution chart, Phu Nhuan Jewelry JSC ranks #42 out of 1129 companies for ROA %. This places Phu Nhuan Jewelry JSC in the top 4% of its industry — outperforming the majority of peers. The industry median ROA % is 2.73. Phu Nhuan Jewelry JSC's value of 29.45% is 978.8% above this benchmark. Historically, Phu Nhuan Jewelry JSC's own ROA % has ranged from 10.77 to 19.81 over the past decade. While the company's 10-year median is 14.66 vs. the industry median of 2.73, Phu Nhuan Jewelry JSC has consistently been above 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. Phu Nhuan Jewelry JSC's current ROA % of 29.45% is 978.8% above 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 Phu Nhuan Jewelry JSC 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. Phu Nhuan Jewelry JSC's current ROA % is 29.45%, which is 101% above median its own 10-year median of 14.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Phu Nhuan Jewelry JSC stock overvalued right now?
Based on GuruFocus' analysis, Phu Nhuan Jewelry JSC (STC:PNJ) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫70,622.07, compared to a current price of ₫63,500.00 — trading 10.1% below its estimated fair value. The current ROA % is 29.45%, which is 101% above median its 10-year median of 14.66 and 978.8% above the Retail - Cyclical industry median of 2.73. Phu Nhuan Jewelry JSC's overall GF Score™ is 99/100 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 Phu Nhuan Jewelry JSC (STC:PNJ), the current ROA % is 29.45% 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 Phu Nhuan Jewelry JSC (STC:PNJ) Overvalued in 2026?
Based on GuruFocus' analysis, Phu Nhuan Jewelry JSC stock appears to be undervalued.
The current stock price of ₫63,500.00 is trading 10.1% below its estimated GF Value™ of ₫70,622.07.
GuruFocus considers Phu Nhuan Jewelry JSC to be Modestly Undervalued.
Key valuation signals for STC:PNJ:
ROA %: 29.45% (101% above median its 10-year median of 14.66)
GF Value™: ₫70,622.07 vs. price of ₫63,500.00 (10.1% below fair value)
Industry Position: 978.8% above the Retail - Cyclical median (#42 of 1129)
No single metric tells the full story. See the STC:PNJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Phu Nhuan Jewelry JSC is engaged in the manufacturing and trading of gold, silver, jewelry, and gemstones, and imports and exports jewelry in gold, silver, and gemstones. The other activities are mainly trading accessories and jewelry inspection services. It offers products such as rings, earrings, bracelets, pendants, necklaces, etc., under different brands such as CAO Fine Jewellery, Mancode by PNJ, Style by PNJ, PNJArt, PNJ Silver and Accessories, and others. Geographically, the company conducts its operations only in Vietnam.
99GF Score
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