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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Payment Financial Technologies's annualizedNet Income for the quarter that ended in Dec. 2025 was ₪18.19 Mil.
Payment Financial Technologies's average Total Assets over the quarter that ended in Dec. 2025 was ₪189.88 Mil. Therefore, Payment Financial Technologies's annualized ROA % for the quarter that ended in Dec. 2025 was 9.58%.
The historical rank and industry rank for Payment Financial Technologies's ROA % or its related term are showing as below:
XTAE:PMNT'
s ROA % Range Over the Past 10 Years
Min: -72.3 Med: 8.04 Max: 304.49
Current: 9.58
During the past 6 years, Payment Financial Technologies's highest ROA % was 304.49%. The lowest was -72.30%. And the median was 8.04%.
XTAE:PMNT's ROA % is ranked better than 80.65% of 2894
companies
in the Software industry
Industry Median: 1.69
vs XTAE:PMNT: 9.58
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.
Payment Financial Technologies ROA % Related Terms
Payment Financial Technologies ROA % Historical 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.
For the Software - Infrastructure subindustry, Payment Financial Technologies'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.
Payment Financial Technologies ROA % vs Software Industry
For the Software industry and Technology sector, Payment Financial Technologies's ROA % distribution charts can be found below:
* The bar in red indicates where Payment Financial Technologies'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.
Payment Financial Technologies (XTAE:PMNT) has a ROA % of 9.58% 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 Payment Financial Technologies and its competitors. This is 19% above median its historical median of 8.04. According to the industry distribution chart, Payment Financial Technologies ranks #560 out of 2894 companies in the Software industry, placing it in the top 19.4%.
Is Payment Financial Technologies' ROA % too high?
Payment Financial Technologies' current ROA % of 9.58% is 19% above median its 10-year median of 8.04. The Software industry median ROA % is 1.69. Payment Financial Technologies' value of 9.58% is 466.9% above this industry median. Based on the distribution chart, Payment Financial Technologies ranks #560 out of 2894 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Payment Financial Technologies has a GF Score™ of 88/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Payment Financial Technologies' ROA % compare to MSFT and ORCL?
According to the Software industry distribution chart, Payment Financial Technologies ranks #560 out of 2894 companies for ROA %. This places Payment Financial Technologies in the top 19% of its industry — outperforming the majority of peers. The industry median ROA % is 1.69. Payment Financial Technologies' value of 9.58% is 466.9% above this benchmark. While the company's 10-year median is 8.04 vs. the industry median of 1.69, Payment Financial Technologies 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 Software company?
The median ROA % among Software companies is 1.69, based on 2,894 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. Payment Financial Technologies's current ROA % of 9.58% is 466.9% 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 Payment Financial Technologies and its competitors. For the Software industry, the median ROA % is 1.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Payment Financial Technologies's current ROA % is 9.58%, which is 19% above median its own 10-year median of 8.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Payment Financial Technologies stock overvalued right now?
Based on GuruFocus' analysis, Payment Financial Technologies (XTAE:PMNT) is currently considered Modestly Undervalued. The stock's GF Value™ is ₪6.55, compared to a current price of ₪5.76 — trading 12.1% below its estimated fair value. The current ROA % is 9.58%, which is 19% above median its 10-year median of 8.04 and 466.9% above the Software industry median of 1.69. Payment Financial Technologies' overall GF Score™ is 88/100 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 Payment Financial Technologies (XTAE:PMNT), the current ROA % is 9.58% 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 Payment Financial Technologies (XTAE:PMNT) Overvalued in 2026?
Based on GuruFocus' analysis, Payment Financial Technologies stock appears to be undervalued.
The current stock price of ₪5.76 is trading 12.1% below its estimated GF Value™ of ₪6.55.
GuruFocus considers Payment Financial Technologies to be Modestly Undervalued.
Key valuation signals for XTAE:PMNT:
ROA %: 9.58% (19% above median its 10-year median of 8.04)
GF Value™: ₪6.55 vs. price of ₪5.76 (12.1% below fair value)
Industry Position: 466.9% above the Software median (#560 of 2894)
No single metric tells the full story. See the XTAE:PMNT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Payment Financial Technologies Ltd owns the PaymenT brand which is a payment platform. It is a means of payment that allows businesses to offer financing to their customers easily, quickly, and conveniently and receive immediate payment for the products and services sold.
88GF Score
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