Min Xin HoldingsSTU:MXD +0.60%40 ROA % is 1.16% as of Dec. 2025, which is 77% below its 10-year median of 5.15. GuruFocus rates STU:MXD with a GF Score™ of 40/100 and a GF Value™ of €0.29 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 506 Insurance companies, Min Xin Holdings ranks worse than 67.79% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Min Xin Holdings's annualizedNet Income for the quarter that ended in Dec. 2025 was €12.01 Mil.
Min Xin Holdings's average Total Assets over the quarter that ended in Dec. 2025 was €1,035.35 Mil. Therefore, Min Xin Holdings's annualized ROA % for the quarter that ended in Dec. 2025 was 1.16%.
The historical rank and industry rank for Min Xin Holdings's ROA % or its related term are showing as below:
STU:MXD'
s ROA % Range Over the Past 10 Years
Min: 0.43 Med: 5.15 Max: 7.95
Current: 1.29
During the past 13 years, Min Xin Holdings's highest ROA % was 7.95%. The lowest was 0.43%. And the median was 5.15%.
STU:MXD's ROA % is ranked worse than 67.79% of 506
companies
in the Insurance industry
Industry Median: 2.7
vs STU:MXD: 1.29
Min Xin Holdings (STU:MXD) 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.
Min Xin Holdings ROA % Related Terms
Min Xin Holdings ROA % Historical Data
* Premium members only.
The historical data trend for Min Xin Holdings'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 Insurance - Property & Casualty subindustry, Min Xin Holdings'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.
Min Xin Holdings ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Min Xin Holdings's ROA % distribution charts can be found below:
* The bar in red indicates where Min Xin Holdings'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.
Min Xin Holdings (STU:MXD) has a ROA % of 1.16% 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 Min Xin Holdings and its competitors. This is 77% below median its historical median of 5.15. Over the past decade, Min Xin Holdings' ROA % has ranged from 0.43 to 7.95. According to the industry distribution chart, Min Xin Holdings ranks #343 out of 506 companies in the Insurance industry, placing it in the top 67.8%.
Is Min Xin Holdings' ROA % too high?
Min Xin Holdings' current ROA % of 1.16% is 77% below median its 10-year median of 5.15. Over the past 10 years, this metric has ranged from a low of 0.43 to a high of 7.95. The Insurance industry median ROA % is 2.70. Min Xin Holdings' value of 1.16% is 57% below this industry median. Based on the distribution chart, Min Xin Holdings ranks #343 out of 506 companies in the Insurance industry, which is below the industry midpoint. Overall, Min Xin Holdings has a GF Score™ of 40/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Min Xin Holdings' ROA % compare to CB and PGR?
According to the Insurance industry distribution chart, Min Xin Holdings ranks #343 out of 506 companies for ROA %. This places Min Xin Holdings in the lower half of its industry. The industry median ROA % is 2.70. Min Xin Holdings' value of 1.16% is 57% below this benchmark. Historically, Min Xin Holdings' own ROA % has ranged from 0.43 to 7.95 over the past decade. While the company's 10-year median is 5.15 vs. the industry median of 2.70, Min Xin Holdings 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 an Insurance company?
The median ROA % among Insurance companies is 2.70, based on 506 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. Min Xin Holdings's current ROA % of 1.16% is 57% 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 Min Xin Holdings and its competitors. For the Insurance industry, the median ROA % is 2.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Min Xin Holdings's current ROA % is 1.16%, which is 77% below median its own 10-year median of 5.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Min Xin Holdings stock overvalued right now?
Based on GuruFocus' analysis, Min Xin Holdings (STU:MXD) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.29, compared to a current price of €0.34 — trading 15.9% above its estimated fair value. The current ROA % is 1.16%, which is 77% below median its 10-year median of 5.15 and 57% below the Insurance industry median of 2.70. Min Xin Holdings' overall GF Score™ is 40/100 with 7 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 Min Xin Holdings (STU:MXD), the current ROA % is 1.16% 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 Min Xin Holdings (STU:MXD) Overvalued in 2026?
Based on GuruFocus' analysis, Min Xin Holdings stock appears to be overvalued.
The current stock price of €0.34 is trading 15.9% above its estimated GF Value™ of €0.29.
GuruFocus considers Min Xin Holdings to be Modestly Overvalued.
Key valuation signals for STU:MXD:
ROA %: 1.16% (77% below median its 10-year median of 5.15)
GF Value™: €0.29 vs. price of €0.34 (15.9% above fair value)
Industry Position: 57% below the Insurance median (#343 of 506)
No single metric tells the full story. See the STU:MXD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Min Xin Holdings Ltd is a Hong Kong-based investment holding company. It provides business, including banking investment, microfinance, insurance, property investment, and energy investment. Mainland China. It organizes its business into five segments, namely Financial Services, Insurance, Property Investment, Strategic Investment, and Corporate activities. It operates its business in Hong Kong, Mainland China, and Macau, and derives a majority of its revenue from Hong Kong.
40GF Score
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