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Investment Friends SEWAR:IFR 33 ROA % is 1.57% as of Mar. 2026, which is 15% above its 10-year median of 1.36. GuruFocus rates WAR:IFR with a GF Score™ of 33/100 and a GF Value™ of zł0.49 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 546 Credit Services companies, Investment Friends SE ranks better than 60.26% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Investment Friends SE's annualizedNet Income for the quarter that ended in Mar. 2026 was zł0.10 Mil.
Investment Friends SE's average Total Assets over the quarter that ended in Mar. 2026 was zł6.60 Mil. Therefore, Investment Friends SE's annualized ROA % for the quarter that ended in Mar. 2026 was 1.57%.
The historical rank and industry rank for Investment Friends SE's ROA % or its related term are showing as below:
WAR:IFR'
s ROA % Range Over the Past 10 Years
Min: -66.17 Med: 1.36 Max: 3.78
Current: 2.56
During the past 13 years, Investment Friends SE's highest ROA % was 3.78%. The lowest was -66.17%. And the median was 1.36%.
WAR:IFR's ROA % is ranked better than 60.26% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs WAR:IFR: 2.56
Investment Friends SE (WAR:IFR) 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.
For the Credit Services subindustry, Investment Friends 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.
Investment Friends SE ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Investment Friends SE's ROA % distribution charts can be found below:
* The bar in red indicates where Investment Friends 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.
Investment Friends SE (WAR:IFR) has a ROA % of 1.57% 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 Investment Friends SE and its competitors. This is 15% above median its historical median of 1.36. According to the industry distribution chart, Investment Friends SE ranks #217 out of 546 companies in the Credit Services industry, placing it in the top 39.7%.
Is Investment Friends SE's ROA % too high?
Investment Friends SE's current ROA % of 1.57% is 15% above median its 10-year median of 1.36. The Credit Services industry median ROA % is 1.93. Investment Friends SE's value of 1.57% is 18.7% below this industry median. Based on the distribution chart, Investment Friends SE ranks #217 out of 546 companies in the Credit Services industry, which is above the industry midpoint. Overall, Investment Friends SE has a GF Score™ of 33/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Investment Friends SE's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Investment Friends SE ranks #217 out of 546 companies for ROA %. This puts Investment Friends SE in the upper half of its industry. The industry median ROA % is 1.93. Investment Friends SE's value of 1.57% is 18.7% below this benchmark. While the company's 10-year median is 1.36 vs. the industry median of 1.93, Investment Friends SE 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 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. Investment Friends SE's current ROA % of 1.57% is 18.7% 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 Investment Friends SE 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. Investment Friends SE's current ROA % is 1.57%, which is 15% above median its own 10-year median of 1.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Investment Friends SE stock overvalued right now?
Based on GuruFocus' analysis, Investment Friends SE (WAR:IFR) is currently considered Possible Value Trap. The stock's GF Value™ is zł0.49, compared to a current price of zł0.12 — trading 76.5% below its estimated fair value. The current ROA % is 1.57%, which is 15% above median its 10-year median of 1.36 and 18.7% below the Credit Services industry median of 1.93. Investment Friends SE's overall GF Score™ is 33/100 with 3 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 Investment Friends SE (WAR:IFR), the current ROA % is 1.57% 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 Investment Friends SE (WAR:IFR) Overvalued in 2026?
Based on GuruFocus' analysis, Investment Friends SE stock appears to be undervalued.
The current stock price of zł0.12 is trading 76.5% below its estimated GF Value™ of zł0.49.
GuruFocus considers Investment Friends SE to be Possible Value Trap.
Key valuation signals for WAR:IFR:
ROA %: 1.57% (15% above median its 10-year median of 1.36)
GF Value™: zł0.49 vs. price of zł0.12 (76.5% below fair value)
Industry Position: 18.7% below the Credit Services median (#217 of 546)
No single metric tells the full story. See the WAR:IFR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Investment Friends SE provides financial services, mainly granting loans and generating revenue from interest on loans granted. The company derives the majority of its revenue from customers in Estonia, with the remainder from Poland. Loans granted to related parties were subsequently invested by those entities in real estate and tradeable securities.
33GF Score
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