ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. San Jun Financial Group's annualizedNet Income for the quarter that ended in Mar. 2026 was 円10,804 Mil.
San Jun Financial Group's average Total Assets over the quarter that ended in Mar. 2026 was 円4,578,141 Mil. Therefore, San Jun Financial Group's annualized ROA % for the quarter that ended in Mar. 2026 was 0.24%.
The historical rank and industry rank for San Jun Financial Group's ROA % or its related term are showing as below:
TSE:7322'
s ROA % Range Over the Past 10 Years
Min: 0.1 Med: 0.15 Max: 1.28
Current: 0.27
During the past 8 years, San Jun Financial Group's highest ROA % was 1.28%. The lowest was 0.10%. And the median was 0.15%.
TSE:7322's ROA % is ranked worse than 88.09% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs TSE:7322: 0.27
San Jun Financial Group (TSE:7322) 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.
* 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.
San Jun Financial Group ROA % Competitor Comparison
For the Banks - Regional subindustry, San Jun Financial Group'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.
San Jun Financial Group ROA % vs Banks Industry
For the Banks industry and Financial Services sector, San Jun Financial Group's ROA % distribution charts can be found below:
* The bar in red indicates where San Jun Financial Group'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.
San Jun Financial Group (TSE:7322) has a ROA % of 0.24% 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 San Jun Financial Group and its competitors. This is 60% above median its historical median of 0.15. Over the past decade, San Jun Financial Group's ROA % has ranged from 0.10 to 1.28. According to the industry distribution chart, San Jun Financial Group ranks #1346 out of 1528 companies in the Banks industry, placing it in the top 88.1%.
Is San Jun Financial Group's ROA % too high?
San Jun Financial Group's current ROA % of 0.24% is 60% above median its 10-year median of 0.15. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 1.28. The Banks industry median ROA % is 0.98. San Jun Financial Group's value of 0.24% is 75.5% below this industry median. Based on the distribution chart, San Jun Financial Group ranks #1346 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, San Jun Financial Group has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does San Jun Financial Group's ROA % compare to competitors?
According to the Banks industry distribution chart, San Jun Financial Group ranks #1346 out of 1528 companies for ROA %. This places San Jun Financial Group in the lower half of its industry. The industry median ROA % is 0.98. San Jun Financial Group's value of 0.24% is 75.5% below this benchmark. Historically, San Jun Financial Group's own ROA % has ranged from 0.10 to 1.28 over the past decade. While the company's 10-year median is 0.15 vs. the industry median of 0.98, San Jun Financial Group 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 a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,528 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. San Jun Financial Group's current ROA % of 0.24% is 75.5% 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 San Jun Financial Group and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. San Jun Financial Group's current ROA % is 0.24%, which is 60% above median its own 10-year median of 0.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is San Jun Financial Group stock overvalued right now?
Based on GuruFocus' analysis, San Jun Financial Group (TSE:7322) is currently considered Significantly Overvalued. The stock's GF Value™ is 円701.32, compared to a current price of 円1,856.00 — trading 164.6% above its estimated fair value. The current ROA % is 0.24%, which is 60% above median its 10-year median of 0.15 and 75.5% below the Banks industry median of 0.98. San Jun Financial Group's overall GF Score™ is 47/100 with 6 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 San Jun Financial Group (TSE:7322), the current ROA % is 0.24% 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 San Jun Financial Group (TSE:7322) Overvalued in 2026?
Based on GuruFocus' analysis, San Jun Financial Group stock appears to be overvalued.
The current stock price of 円1,856.00 is trading 164.6% above its estimated GF Value™ of 円701.32.
GuruFocus considers San Jun Financial Group to be Significantly Overvalued.
Key valuation signals for TSE:7322:
ROA %: 0.24% (60% above median its 10-year median of 0.15)
GF Value™: 円701.32 vs. price of 円1,856.00 (164.6% above fair value)
Industry Position: 75.5% below the Banks median (#1346 of 1528)
No single metric tells the full story. See the TSE:7322 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
San Ju San Financial Group Inc is engaged in providing financial services. The business of the company includes management of banks and companies that are permitted to be owned by the company as subsidiaries.
47GF Score
Get the complete analysis for TSE:7322
ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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