SmartgroupSTGXF 88 ROA % is 12.39% as of Dec. 2025, which is 4% below its 10-year median of 12.95. GuruFocus rates STGXF with a GF Score™ of 88/100 and a GF Value™ of $4.53. The stock has 6 warning signs investors should review. Among 1,096 Business Services companies, Smartgroup ranks better than 86.31% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Smartgroup's annualizedNet Income for the quarter that ended in Dec. 2025 was $55.0 Mil.
Smartgroup's average Total Assets over the quarter that ended in Dec. 2025 was $443.8 Mil. Therefore, Smartgroup's annualized ROA % for the quarter that ended in Dec. 2025 was 12.39%.
The historical rank and industry rank for Smartgroup's ROA % or its related term are showing as below:
STGXF'
s ROA % Range Over the Past 10 Years
Min: 9.15 Med: 12.95 Max: 15.04
Current: 11.9
During the past 12 years, Smartgroup's highest ROA % was 15.04%. The lowest was 9.15%. And the median was 12.95%.
STGXF's ROA % is ranked better than 86.31% of 1096
companies
in the Business Services industry
Industry Median: 3.455
vs STGXF: 11.90
Smartgroup (OTCPK:STGXF) 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.
Smartgroup ROA % Related Terms
Smartgroup ROA % Historical Data
* Premium members only.
The historical data trend for Smartgroup'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 Specialty Business Services subindustry, Smartgroup'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.
Smartgroup ROA % vs Business Services Industry
For the Business Services industry and Industrials sector, Smartgroup's ROA % distribution charts can be found below:
* The bar in red indicates where Smartgroup'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.
Smartgroup (STGXF) has a ROA % of 12.39% 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 Smartgroup and its competitors. This is near median its historical median of 12.95. Over the past decade, Smartgroup's ROA % has ranged from 9.15 to 15.04. According to the industry distribution chart, Smartgroup ranks #150 out of 1096 companies in the Business Services industry, placing it in the top 13.7%.
Is Smartgroup's ROA % too high?
Smartgroup's current ROA % of 12.39% is near median its 10-year median of 12.95. Over the past 10 years, this metric has ranged from a low of 9.15 to a high of 15.04. The Business Services industry median ROA % is 3.46. Smartgroup's value of 12.39% is 258.6% above this industry median. Based on the distribution chart, Smartgroup ranks #150 out of 1096 companies in the Business Services industry, which is in the top quartile — a strong position relative to peers. Overall, Smartgroup has a GF Score™ of 88/100, reflecting its overall financial health beyond just this single metric.
How does Smartgroup's ROA % compare to CTAS and CPRT?
According to the Business Services industry distribution chart, Smartgroup ranks #150 out of 1096 companies for ROA %. This places Smartgroup in the top 14% of its industry — outperforming the majority of peers. The industry median ROA % is 3.46. Smartgroup's value of 12.39% is 258.6% above this benchmark. Historically, Smartgroup's own ROA % has ranged from 9.15 to 15.04 over the past decade. While the company's 10-year median is 12.95 vs. the industry median of 3.46, Smartgroup 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 Business Services company?
The median ROA % among Business Services companies is 3.46, based on 1,096 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. Smartgroup's current ROA % of 12.39% is 258.6% 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 Smartgroup and its competitors. For the Business Services industry, the median ROA % is 3.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Smartgroup's current ROA % is 12.39%, which is near median its own 10-year median of 12.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Smartgroup stock overvalued right now?
Smartgroup (STGXF) has a current ROA % of 12.39%. The stock's GF Value™ is $4.53, compared to a current price of $5.82 — trading 28.5% above its estimated fair value. The current ROA % is 12.39%, which is near median its 10-year median of 12.95 and 258.6% above the Business Services industry median of 3.46. Smartgroup's overall GF Score™ is 88/100 with 6 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 Smartgroup (STGXF), the current ROA % is 12.39% 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 Smartgroup (STGXF) Overvalued in 2026?
Based on GuruFocus' analysis, Smartgroup stock appears to be overvalued.
The current stock price of $5.82 is trading 28.5% above its estimated GF Value™ of $4.53.
Key valuation signals for STGXF:
ROA %: 12.39% (near median its 10-year median of 12.95)
GF Value™: $4.53 vs. price of $5.82 (28.5% above fair value)
Industry Position: 258.6% above the Business Services median (#150 of 1096)
No single metric tells the full story. See the STGXF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Smartgroup Corporation is an Australia-based company that provides specialist employee management services. Its services include salary packaging, novated leasing, vehicle fleet management, payroll administration, employee share plan administration and workforce optimization. The operating segments of the company are: outsourced administration, or OA, and vehicle services, or VS. Most of the group's revenue is generated from the OA segment which provides outsourced salary packaging services, novated leasing, share plan administration and outsourced payroll services. The VS segment provides end-to-end vehicle fleet management services.
88GF Score
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