Muninova HoldingsTSE:547A -0.69%65 ROA % is 2.51% as of Dec. 2025, which is 87% above its 10-year median of 1.34. GuruFocus rates TSE:547A with a GF Score™ of 65/100 and a GF Value™ of 円522.97 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 546 Credit Services companies, Muninova Holdings ranks better than 51.65% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Muninova Holdings's annualizedNet Income for the quarter that ended in Dec. 2025 was 円39,252 Mil.
Muninova Holdings's average Total Assets over the quarter that ended in Dec. 2025 was 円1,563,229 Mil. Therefore, Muninova Holdings's annualized ROA % for the quarter that ended in Dec. 2025 was 2.51%.
The historical rank and industry rank for Muninova Holdings's ROA % or its related term are showing as below:
TSE:547A'
s ROA % Range Over the Past 10 Years
Min: 0.17 Med: 1.34 Max: 2.23
Current: 2.02
During the past 13 years, Muninova Holdings's highest ROA % was 2.23%. The lowest was 0.17%. And the median was 1.34%.
TSE:547A's ROA % is ranked better than 51.65% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs TSE:547A: 2.02
Muninova Holdings (TSE:547A) 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 (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (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.
Muninova Holdings ROA % Related Terms
Muninova Holdings ROA % Historical Data
* Premium members only.
The historical data trend for Muninova 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 Credit Services subindustry, Muninova 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.
Muninova Holdings ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Muninova Holdings's ROA % distribution charts can be found below:
* The bar in red indicates where Muninova 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 four times the quarterly (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Muninova Holdings (TSE:547A) has a ROA % of 2.51% 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 Muninova Holdings and its competitors. This is 87% above median its historical median of 1.34. Over the past decade, Muninova Holdings' ROA % has ranged from 0.17 to 2.23. According to the industry distribution chart, Muninova Holdings ranks #264 out of 546 companies in the Credit Services industry, placing it in the top 48.4%.
Is Muninova Holdings' ROA % too high?
Muninova Holdings' current ROA % of 2.51% is 87% above median its 10-year median of 1.34. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 2.23. The Credit Services industry median ROA % is 1.93. Muninova Holdings' value of 2.51% is 30.1% above this industry median. Based on the distribution chart, Muninova Holdings ranks #264 out of 546 companies in the Credit Services industry, which is above the industry midpoint. Overall, Muninova Holdings has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Muninova Holdings' ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Muninova Holdings ranks #264 out of 546 companies for ROA %. This puts Muninova Holdings in the upper half of its industry. The industry median ROA % is 1.93. Muninova Holdings' value of 2.51% is 30.1% above this benchmark. Historically, Muninova Holdings' own ROA % has ranged from 0.17 to 2.23 over the past decade. While the company's 10-year median is 1.34 vs. the industry median of 1.93, Muninova Holdings 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 Credit Services company?
The median ROA % among Credit Services companies is 1.93, based on 546 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. Muninova Holdings's current ROA % of 2.51% is 30.1% 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 Muninova Holdings and its competitors. For the Credit Services industry, the median ROA % is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muninova Holdings's current ROA % is 2.51%, which is 87% above median its own 10-year median of 1.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Muninova Holdings stock overvalued right now?
Based on GuruFocus' analysis, Muninova Holdings (TSE:547A) is currently considered Modestly Undervalued. The stock's GF Value™ is 円522.97, compared to a current price of 円431.00 — trading 17.6% below its estimated fair value. The current ROA % is 2.51%, which is 87% above median its 10-year median of 1.34 and 30.1% above the Credit Services industry median of 1.93. Muninova Holdings' overall GF Score™ is 65/100 with 5 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 Muninova Holdings (TSE:547A), the current ROA % is 2.51% 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 Muninova Holdings (TSE:547A) Overvalued in 2026?
Based on GuruFocus' analysis, Muninova Holdings stock appears to be undervalued.
The current stock price of 円431.00 is trading 17.6% below its estimated GF Value™ of 円522.97.
GuruFocus considers Muninova Holdings to be Modestly Undervalued.
Key valuation signals for TSE:547A:
ROA %: 2.51% (87% above median its 10-year median of 1.34)
GF Value™: 円522.97 vs. price of 円431.00 (17.6% below fair value)
Industry Position: 30.1% above the Credit Services median (#264 of 546)
No single metric tells the full story. See the TSE:547A stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Muninova Holdings Inc is focused on the management and administration of group companies engaged in consumer finance, credit card, and related businesses.
65GF Score
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