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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
OVB Holding AGXTER:O4B 89 ROA % is 0.46% as of Mar. 2026, which is 92% below its 10-year median of 5.56. GuruFocus rates XTER:O4B with a GF Score™ of 89/100 and a GF Value™ of €23.45 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 818 Capital Markets companies, OVB Holding AG ranks better than 59.05% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. OVB Holding AG's annualizedNet Income for the quarter that ended in Mar. 2026 was €1.7 Mil.
OVB Holding AG's average Total Assets over the quarter that ended in Mar. 2026 was €375.7 Mil. Therefore, OVB Holding AG's annualized ROA % for the quarter that ended in Mar. 2026 was 0.46%.
The historical rank and industry rank for OVB Holding AG's ROA % or its related term are showing as below:
XTER:O4B'
s ROA % Range Over the Past 10 Years
Min: 2.3 Med: 5.56 Max: 7.67
Current: 2.3
During the past 13 years, OVB Holding AG's highest ROA % was 7.67%. The lowest was 2.30%. And the median was 5.56%.
XTER:O4B's ROA % is ranked better than 59.05% of 818
companies
in the Capital Markets industry
Industry Median: 1.505
vs XTER:O4B: 2.30
OVB Holding AG (XTER:O4B) 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.
OVB Holding AG ROA % Related Terms
OVB Holding AG ROA % Historical Data
* Premium members only.
The historical data trend for OVB Holding AG'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 Capital Markets subindustry, OVB Holding AG'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.
OVB Holding AG ROA % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, OVB Holding AG's ROA % distribution charts can be found below:
* The bar in red indicates where OVB Holding AG'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.
OVB Holding AG (XTER:O4B) has a ROA % of 0.46% 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 OVB Holding AG and its competitors. This is 92% below median its historical median of 5.56. Over the past decade, OVB Holding AG's ROA % has ranged from 2.30 to 7.67. According to the industry distribution chart, OVB Holding AG ranks #335 out of 818 companies in the Capital Markets industry, placing it in the top 41%.
Is OVB Holding AG's ROA % too high?
OVB Holding AG's current ROA % of 0.46% is 92% below median its 10-year median of 5.56. Over the past 10 years, this metric has ranged from a low of 2.30 to a high of 7.67. The Capital Markets industry median ROA % is 1.51. OVB Holding AG's value of 0.46% is 69.4% below this industry median. Based on the distribution chart, OVB Holding AG ranks #335 out of 818 companies in the Capital Markets industry, which is above the industry midpoint. Overall, OVB Holding AG has a GF Score™ of 89/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does OVB Holding AG's ROA % compare to MS and GS?
According to the Capital Markets industry distribution chart, OVB Holding AG ranks #335 out of 818 companies for ROA %. This puts OVB Holding AG in the upper half of its industry. The industry median ROA % is 1.51. OVB Holding AG's value of 0.46% is 69.4% below this benchmark. Historically, OVB Holding AG's own ROA % has ranged from 2.30 to 7.67 over the past decade. While the company's 10-year median is 5.56 vs. the industry median of 1.51, OVB Holding AG 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 Capital Markets company?
The median ROA % among Capital Markets companies is 1.51, based on 818 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. OVB Holding AG's current ROA % of 0.46% is 69.4% 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 OVB Holding AG and its competitors. For the Capital Markets industry, the median ROA % is 1.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OVB Holding AG's current ROA % is 0.46%, which is 92% below median its own 10-year median of 5.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OVB Holding AG stock overvalued right now?
Based on GuruFocus' analysis, OVB Holding AG (XTER:O4B) is currently considered Modestly Undervalued. The stock's GF Value™ is €23.45, compared to a current price of €18.90 — trading 19.4% below its estimated fair value. The current ROA % is 0.46%, which is 92% below median its 10-year median of 5.56 and 69.4% below the Capital Markets industry median of 1.51. OVB Holding AG's overall GF Score™ is 89/100 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 OVB Holding AG (XTER:O4B), the current ROA % is 0.46% 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 OVB Holding AG (XTER:O4B) Overvalued in 2026?
Based on GuruFocus' analysis, OVB Holding AG stock appears to be undervalued.
The current stock price of €18.90 is trading 19.4% below its estimated GF Value™ of €23.45.
GuruFocus considers OVB Holding AG to be Modestly Undervalued.
Key valuation signals for XTER:O4B:
ROA %: 0.46% (92% below median its 10-year median of 5.56)
GF Value™: €23.45 vs. price of €18.90 (19.4% below fair value)
Industry Position: 69.4% below the Capital Markets median (#335 of 818)
No single metric tells the full story. See the XTER:O4B stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OVB Holding AG business focuses on providing long-term, comprehensive, and customer-oriented financial advice to private households. The Company activities include the management of entities involved in advisory and brokerage services related to capital investments, building society savings contracts, insurance contracts, and real estate of any kind. Its segments include Central and Eastern Europe, which generates maximum revenue, as well as Germany and Southern and Western Europe.
89GF Score
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