Value-Holdings AGSTU:VHO 61 ROA % is 7.57% as of Dec. 2025, which is 34% above its 10-year median of 5.66. GuruFocus rates STU:VHO with a GF Score™ of 61/100 and a GF Value™ of €11.09 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 818 Capital Markets companies, Value-Holdings AG ranks better than 81.42% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Value-Holdings AG's annualizedNet Income for the quarter that ended in Dec. 2025 was €1.21 Mil.
Value-Holdings AG's average Total Assets over the quarter that ended in Dec. 2025 was €16.02 Mil. Therefore, Value-Holdings AG's annualized ROA % for the quarter that ended in Dec. 2025 was 7.57%.
The historical rank and industry rank for Value-Holdings AG's ROA % or its related term are showing as below:
STU:VHO'
s ROA % Range Over the Past 10 Years
Min: 1.79 Med: 5.66 Max: 23.53
Current: 7.57
During the past 13 years, Value-Holdings AG's highest ROA % was 23.53%. The lowest was 1.79%. And the median was 5.66%.
STU:VHO's ROA % is ranked better than 81.42% of 818
companies
in the Capital Markets industry
Industry Median: 1.495
vs STU:VHO: 7.57
Value-Holdings AG (STU:VHO) 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 one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the 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.
Value-Holdings AG ROA % Related Terms
Value-Holdings AG ROA % Historical Data
* Premium members only.
The historical data trend for Value-Holdings AG'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 Capital Markets subindustry, Value-Holdings AG'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.
Value-Holdings AG ROA % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Value-Holdings AG's ROA % distribution charts can be found below:
* The bar in red indicates where Value-Holdings AG'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 one times the annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Value-Holdings AG (STU:VHO) has a ROA % of 7.57% 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 Value-Holdings AG and its competitors. This is 34% above median its historical median of 5.66. Over the past decade, Value-Holdings AG's ROA % has ranged from 1.79 to 23.53. According to the industry distribution chart, Value-Holdings AG ranks #152 out of 818 companies in the Capital Markets industry, placing it in the top 18.6%.
Is Value-Holdings AG's ROA % too high?
Value-Holdings AG's current ROA % of 7.57% is 34% above median its 10-year median of 5.66. Over the past 10 years, this metric has ranged from a low of 1.79 to a high of 23.53. The Capital Markets industry median ROA % is 1.50. Value-Holdings AG's value of 7.57% is 406.4% above this industry median. Based on the distribution chart, Value-Holdings AG ranks #152 out of 818 companies in the Capital Markets industry, which is in the top quartile — a strong position relative to peers. Overall, Value-Holdings AG has a GF Score™ of 61/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Value-Holdings AG's ROA % compare to MS and GS?
According to the Capital Markets industry distribution chart, Value-Holdings AG ranks #152 out of 818 companies for ROA %. This places Value-Holdings AG in the top 19% of its industry — outperforming the majority of peers. The industry median ROA % is 1.50. Value-Holdings AG's value of 7.57% is 406.4% above this benchmark. Historically, Value-Holdings AG's own ROA % has ranged from 1.79 to 23.53 over the past decade. While the company's 10-year median is 5.66 vs. the industry median of 1.50, Value-Holdings AG 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 Capital Markets company?
The median ROA % among Capital Markets companies is 1.50, based on 818 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. Value-Holdings AG's current ROA % of 7.57% is 406.4% 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 Value-Holdings AG and its competitors. For the Capital Markets industry, the median ROA % is 1.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Value-Holdings AG's current ROA % is 7.57%, which is 34% above median its own 10-year median of 5.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Value-Holdings AG stock overvalued right now?
Based on GuruFocus' analysis, Value-Holdings AG (STU:VHO) is currently considered Significantly Undervalued. The stock's GF Value™ is €11.09, compared to a current price of €7.15 — trading 35.5% below its estimated fair value. The current ROA % is 7.57%, which is 34% above median its 10-year median of 5.66 and 406.4% above the Capital Markets industry median of 1.50. Value-Holdings AG's overall GF Score™ is 61/100 with 4 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 Value-Holdings AG (STU:VHO), the current ROA % is 7.57% 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 Value-Holdings AG (STU:VHO) Overvalued in 2026?
Based on GuruFocus' analysis, Value-Holdings AG stock appears to be undervalued.
The current stock price of €7.15 is trading 35.5% below its estimated GF Value™ of €11.09.
GuruFocus considers Value-Holdings AG to be Significantly Undervalued.
Key valuation signals for STU:VHO:
ROA %: 7.57% (34% above median its 10-year median of 5.66)
GF Value™: €11.09 vs. price of €7.15 (35.5% below fair value)
Industry Position: 406.4% above the Capital Markets median (#152 of 818)
No single metric tells the full story. See the STU:VHO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Value-Holdings AG is a German investment company that acquires shareholdings in listed medium-sized companies. It invests in its own portfolio, as well as managing third-party investment funds. The company along with its subsidiaries also advises institutional investors on investing as per the value-investing strategies. It manages two funds namely Value Holdings Germany Fund and Value Holdings Europe Fund.
61GF Score
Get the complete analysis for STU:VHO
ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STU:VHO has been successfully added to your 
