MyState (ASX:MYS) ROC %: % (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

ASX:MYS MyState Ltd ASX:MYS
63 GF Score
Price A$4.76
GF Value A$4.15
Valuation Modestly Overvalued
! 9 Warning Signs
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What is MyState ROC %?

MyState ASX:MYS -1.65% 63 ROC % is % as of Dec. 2025. GuruFocus rates ASX:MYS with a GF Score™ of 63/100 and a GF Value™ of A$4.15 (Modestly Overvalued). The stock has 9 warning signs investors should review.

ROC %does not apply to banks.

ASX:MYS
63GF Score
MyState Ltd ASX:MYS
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
MyState (ASX:MYS) has a ROC % of % as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on MyState and its competitors.
Is MyState's ROC % too high?
MyState's current ROC % is %. Overall, MyState has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MyState's ROC % compare to PNC and USB?
MyState's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.85. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.85, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on MyState and its competitors. For the Banks industry, the median ROC % is 1.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MyState's current ROC % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MyState stock overvalued right now?
Based on GuruFocus' analysis, MyState (ASX:MYS) is currently considered Modestly Overvalued. The stock's GF Value™ is A$4.15, compared to a current price of A$4.76 — trading 14.7% above its estimated fair value. The current ROC % is %. MyState's overall GF Score™ is 63/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For MyState (ASX:MYS), the current ROC % is % 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 MyState (ASX:MYS) Overvalued in 2026?

Based on GuruFocus' analysis, MyState stock appears to be overvalued. The current stock price of A$4.76 is trading 14.7% above its estimated GF Value™ of A$4.15. GuruFocus considers MyState to be Modestly Overvalued.

Key valuation signals for ASX:MYS:

  • ROC %: %
  • GF Value™: A$4.15 vs. price of A$4.76 (14.7% above fair value)
  • GF Score™: 63/100 with 9 warning signs

No single metric tells the full story. See the ASX:MYS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

MyState Business Description

Address 137 Harrington Street, Level 2, Hobart, TAS, AUS, 7000
MyState Limited is a Tasmania-based financial company that provides banking, trustee, and funds management services. The company generates the vast majority of its profit from its banking business, which provides a range of financial services including home and personal loans, credit and debit cards, and equipment finance. Home loans account for the vast majority of its loan book. The funds management segment provides trustee and funds management services through the subsidiary TPT Wealth.
63GF Score

Get the complete analysis for ASX:MYS

ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$4.76
Price
A$4.15
GF Value