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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Automated Bank Services's annualizedNet Income for the quarter that ended in Mar. 2026 was ₪27.5 Mil.
Automated Bank Services's average Total Assets over the quarter that ended in Mar. 2026 was ₪303.8 Mil. Therefore, Automated Bank Services's annualized ROA % for the quarter that ended in Mar. 2026 was 9.06%.
The historical rank and industry rank for Automated Bank Services's ROA % or its related term are showing as below:
XTAE:SHVA'
s ROA % Range Over the Past 10 Years
Min: 4.95 Med: 13.86 Max: 19.37
Current: 13.82
During the past 13 years, Automated Bank Services's highest ROA % was 19.37%. The lowest was 4.95%. And the median was 13.86%.
XTAE:SHVA's ROA % is ranked better than 89.19% of 2895
companies
in the Software industry
Industry Median: 1.72
vs XTAE:SHVA: 13.82
Automated Bank Services (XTAE:SHVA) 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 Software - Infrastructure subindustry, Automated Bank Services'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.
Automated Bank Services ROA % vs Software Industry
For the Software industry and Technology sector, Automated Bank Services's ROA % distribution charts can be found below:
* The bar in red indicates where Automated Bank Services'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.
Automated Bank Services (XTAE:SHVA) has a ROA % of 9.06% 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 Automated Bank Services and its competitors. This is 35% below median its historical median of 13.86. Over the past decade, Automated Bank Services' ROA % has ranged from 4.95 to 19.37. According to the industry distribution chart, Automated Bank Services ranks #313 out of 2895 companies in the Software industry, placing it in the top 10.8%.
Is Automated Bank Services' ROA % too high?
Automated Bank Services' current ROA % of 9.06% is 35% below median its 10-year median of 13.86. Over the past 10 years, this metric has ranged from a low of 4.95 to a high of 19.37. The Software industry median ROA % is 1.72. Automated Bank Services' value of 9.06% is 426.7% above this industry median. Based on the distribution chart, Automated Bank Services ranks #313 out of 2895 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Automated Bank Services has a GF Score™ of 100/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Automated Bank Services' ROA % compare to MSFT and ORCL?
According to the Software industry distribution chart, Automated Bank Services ranks #313 out of 2895 companies for ROA %. This places Automated Bank Services in the top 11% of its industry — outperforming the majority of peers. The industry median ROA % is 1.72. Automated Bank Services' value of 9.06% is 426.7% above this benchmark. Historically, Automated Bank Services' own ROA % has ranged from 4.95 to 19.37 over the past decade. While the company's 10-year median is 13.86 vs. the industry median of 1.72, Automated Bank Services 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 1.72, based on 2,895 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. Automated Bank Services's current ROA % of 9.06% is 426.7% 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 Automated Bank Services and its competitors. For the Software industry, the median ROA % is 1.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Automated Bank Services's current ROA % is 9.06%, which is 35% below median its own 10-year median of 13.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Automated Bank Services stock overvalued right now?
Based on GuruFocus' analysis, Automated Bank Services (XTAE:SHVA) is currently considered Fairly Valued. The stock's GF Value™ is ₪21.06, compared to a current price of ₪21.62 — trading 2.7% above its estimated fair value. The current ROA % is 9.06%, which is 35% below median its 10-year median of 13.86 and 426.7% above the Software industry median of 1.72. Automated Bank Services' overall GF Score™ is 100/100 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 Automated Bank Services (XTAE:SHVA), the current ROA % is 9.06% 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 Automated Bank Services (XTAE:SHVA) Overvalued in 2026?
Based on GuruFocus' analysis, Automated Bank Services stock appears to be overvalued.
The current stock price of ₪21.62 is trading 2.7% above its estimated GF Value™ of ₪21.06.
GuruFocus considers Automated Bank Services to be Fairly Valued.
Key valuation signals for XTAE:SHVA:
ROA %: 9.06% (35% below median its 10-year median of 13.86)
GF Value™: ₪21.06 vs. price of ₪21.62 (2.7% above fair value)
Industry Position: 426.7% above the Software median (#313 of 2895)
No single metric tells the full story. See the XTAE:SHVA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Automated Bank Services Ltd is an Israel-based company involved in providing technological services to the financial system. The company serves as a central junction and a national infrastructure for clearing credit cards. It also works with credit card companies as both a clearing and issuing company.
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