ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. GMO Payment Gateway's annualizedNet Income for the quarter that ended in Mar. 2026 was €150.3 Mil.
GMO Payment Gateway's average Total Assets over the quarter that ended in Mar. 2026 was €2,446.0 Mil. Therefore, GMO Payment Gateway's annualized ROA % for the quarter that ended in Mar. 2026 was 6.14%.
The historical rank and industry rank for GMO Payment Gateway's ROA % or its related term are showing as below:
STU:3RH'
s ROA % Range Over the Past 10 Years
Min: 3.45 Med: 4.68 Max: 9.88
Current: 5.88
During the past 13 years, GMO Payment Gateway's highest ROA % was 9.88%. The lowest was 3.45%. And the median was 4.68%.
STU:3RH's ROA % is ranked better than 68.53% of 2885
companies
in the Software industry
Industry Median: 1.68
vs STU:3RH: 5.88
GMO Payment Gateway (STU:3RH) 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.
GMO Payment Gateway ROA % Related Terms
GMO Payment Gateway ROA % Historical Data
* Premium members only.
The historical data trend for GMO Payment Gateway'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 Software - Infrastructure subindustry, GMO Payment Gateway'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.
GMO Payment Gateway ROA % vs Software Industry
For the Software industry and Technology sector, GMO Payment Gateway's ROA % distribution charts can be found below:
* The bar in red indicates where GMO Payment Gateway'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.
GMO Payment Gateway (STU:3RH) has a ROA % of 6.14% 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 GMO Payment Gateway and its competitors. This is 31% above median its historical median of 4.68. Over the past decade, GMO Payment Gateway's ROA % has ranged from 3.45 to 9.88. According to the industry distribution chart, GMO Payment Gateway ranks #908 out of 2885 companies in the Software industry, placing it in the top 31.5%.
Is GMO Payment Gateway's ROA % too high?
GMO Payment Gateway's current ROA % of 6.14% is 31% above median its 10-year median of 4.68. Over the past 10 years, this metric has ranged from a low of 3.45 to a high of 9.88. The Software industry median ROA % is 1.68. GMO Payment Gateway's value of 6.14% is 265.5% above this industry median. Based on the distribution chart, GMO Payment Gateway ranks #908 out of 2885 companies in the Software industry, which is above the industry midpoint. Overall, GMO Payment Gateway has a GF Score™ of 91/100, reflecting its overall financial health beyond just this single metric.
How does GMO Payment Gateway's ROA % compare to MSFT and ORCL?
According to the Software industry distribution chart, GMO Payment Gateway ranks #908 out of 2885 companies for ROA %. This puts GMO Payment Gateway in the upper half of its industry. The industry median ROA % is 1.68. GMO Payment Gateway's value of 6.14% is 265.5% above this benchmark. Historically, GMO Payment Gateway's own ROA % has ranged from 3.45 to 9.88 over the past decade. While the company's 10-year median is 4.68 vs. the industry median of 1.68, GMO Payment Gateway 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 Software company?
The median ROA % among Software companies is 1.68, based on 2,885 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. GMO Payment Gateway's current ROA % of 6.14% is 265.5% 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 GMO Payment Gateway and its competitors. For the Software industry, the median ROA % is 1.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GMO Payment Gateway's current ROA % is 6.14%, which is 31% above median its own 10-year median of 4.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is GMO Payment Gateway stock overvalued right now?
GMO Payment Gateway (STU:3RH) has a current ROA % of 6.14%. The stock's GF Value™ is €58.41, compared to a current price of €48.20 — trading 17.5% below its estimated fair value. The current ROA % is 6.14%, which is 31% above median its 10-year median of 4.68 and 265.5% above the Software industry median of 1.68. GMO Payment Gateway's overall GF Score™ is 91/100 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 GMO Payment Gateway (STU:3RH), the current ROA % is 6.14% 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 GMO Payment Gateway (STU:3RH) Overvalued in 2026?
Based on GuruFocus' analysis, GMO Payment Gateway stock appears to be undervalued.
The current stock price of €48.20 is trading 17.5% below its estimated GF Value™ of €58.41.
Key valuation signals for STU:3RH:
ROA %: 6.14% (31% above median its 10-year median of 4.68)
GF Value™: €58.41 vs. price of €48.20 (17.5% below fair value)
Industry Position: 265.5% above the Software median (#908 of 2885)
No single metric tells the full story. See the STU:3RH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
GMO Payment Gateway is a major Japanese provider of cashless and online payment infrastructure, serving many sectors including digital content and telecommunications, utilities, retail and hospitality, financial services, healthcare, and education. It serves a wide array of clients, from government agencies and municipalities to enterprises and merchants, across online and offline channels, including e-commerce platforms, physical stores, and unattended machines. Its services encompass payment processing, settlement solutions, and ancillary offerings such as early or deferred settlement services, transaction lending, buy now, pay later, online advertising, and internet security. GMO is expanding into adjacent financial technology operations, and gradually across Asia and North America.
91GF Score
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