ZEAL Network SESTU:TIM -1.40%87 ROA % is 7.39% as of Mar. 2026, which is 19% above its 10-year median of 6.23. GuruFocus rates STU:TIM with a GF Score™ of 87/100 and a GF Value™ of €68.99 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 858 Travel & Leisure companies, ZEAL Network SE ranks better than 86.13% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. ZEAL Network SE's annualizedNet Income for the quarter that ended in Mar. 2026 was €33.2 Mil.
ZEAL Network SE's average Total Assets over the quarter that ended in Mar. 2026 was €449.4 Mil. Therefore, ZEAL Network SE's annualized ROA % for the quarter that ended in Mar. 2026 was 7.39%.
The historical rank and industry rank for ZEAL Network SE's ROA % or its related term are showing as below:
STU:TIM'
s ROA % Range Over the Past 10 Years
Min: 0.42 Med: 6.23 Max: 18.78
Current: 9.19
During the past 13 years, ZEAL Network SE's highest ROA % was 18.78%. The lowest was 0.42%. And the median was 6.23%.
STU:TIM's ROA % is ranked better than 86.13% of 858
companies
in the Travel & Leisure industry
Industry Median: 2.375
vs STU:TIM: 9.19
ZEAL Network SE (STU:TIM) 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.
ZEAL Network SE ROA % Related Terms
ZEAL Network SE ROA % Historical Data
* Premium members only.
The historical data trend for ZEAL Network SE'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 Gambling subindustry, ZEAL Network SE'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.
ZEAL Network SE ROA % vs Travel & Leisure Industry
For the Travel & Leisure industry and Consumer Cyclical sector, ZEAL Network SE's ROA % distribution charts can be found below:
* The bar in red indicates where ZEAL Network SE'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.
ZEAL Network SE (STU:TIM) has a ROA % of 7.39% 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 ZEAL Network SE and its competitors. This is 19% above median its historical median of 6.23. Over the past decade, ZEAL Network SE's ROA % has ranged from 0.42 to 18.78. According to the industry distribution chart, ZEAL Network SE ranks #119 out of 858 companies in the Travel & Leisure industry, placing it in the top 13.9%.
Is ZEAL Network SE's ROA % too high?
ZEAL Network SE's current ROA % of 7.39% is 19% above median its 10-year median of 6.23. Over the past 10 years, this metric has ranged from a low of 0.42 to a high of 18.78. The Travel & Leisure industry median ROA % is 2.38. ZEAL Network SE's value of 7.39% is 211.2% above this industry median. Based on the distribution chart, ZEAL Network SE ranks #119 out of 858 companies in the Travel & Leisure industry, which is in the top quartile — a strong position relative to peers. Overall, ZEAL Network SE has a GF Score™ of 87/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ZEAL Network SE's ROA % compare to FLUT and DKNG?
According to the Travel & Leisure industry distribution chart, ZEAL Network SE ranks #119 out of 858 companies for ROA %. This places ZEAL Network SE in the top 14% of its industry — outperforming the majority of peers. The industry median ROA % is 2.38. ZEAL Network SE's value of 7.39% is 211.2% above this benchmark. Historically, ZEAL Network SE's own ROA % has ranged from 0.42 to 18.78 over the past decade. While the company's 10-year median is 6.23 vs. the industry median of 2.38, ZEAL Network SE 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 Travel & Leisure company?
The median ROA % among Travel & Leisure companies is 2.38, based on 858 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. ZEAL Network SE's current ROA % of 7.39% is 211.2% 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 ZEAL Network SE and its competitors. For the Travel & Leisure industry, the median ROA % is 2.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ZEAL Network SE's current ROA % is 7.39%, which is 19% above median its own 10-year median of 6.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ZEAL Network SE stock overvalued right now?
Based on GuruFocus' analysis, ZEAL Network SE (STU:TIM) is currently considered Significantly Undervalued. The stock's GF Value™ is €68.99, compared to a current price of €42.30 — trading 38.7% below its estimated fair value. The current ROA % is 7.39%, which is 19% above median its 10-year median of 6.23 and 211.2% above the Travel & Leisure industry median of 2.38. ZEAL Network SE's overall GF Score™ is 87/100 with 2 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 ZEAL Network SE (STU:TIM), the current ROA % is 7.39% 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 ZEAL Network SE (STU:TIM) Overvalued in 2026?
Based on GuruFocus' analysis, ZEAL Network SE stock appears to be undervalued.
The current stock price of €42.30 is trading 38.7% below its estimated GF Value™ of €68.99.
GuruFocus considers ZEAL Network SE to be Significantly Undervalued.
Key valuation signals for STU:TIM:
ROA %: 7.39% (19% above median its 10-year median of 6.23)
GF Value™: €68.99 vs. price of €42.30 (38.7% below fair value)
Industry Position: 211.2% above the Travel & Leisure median (#119 of 858)
No single metric tells the full story. See the STU:TIM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ZEAL Network SE is an e-commerce group of companies company specializing in the area of online lottery. The company offers consumer-facing lottery-based games as well as business-to-business solutions. The operating business segments are Germany and Other. The ZEAL group now has more than one million active customers. ZEAL allows the participation in state-licensed lotteries via the LOTTO24 and Tipp24 brands and also offers its own lottery products. ZEAL operates under its owns brands namely ZEAL Instant Games, ZEAL Ventures and ZEAL Iberia.
87GF Score
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