AIFLY (Muninova Holdings) ROE % Adjusted to Book Value: 18.61% (As of Dec. 2025)

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AIFLY Muninova Holdings Inc AIFLY
65 GF Score
Price $1.40
GF Value $1.64
! 5 Warning Signs
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What is Muninova Holdings ROE % Adjusted to Book Value?

Muninova Holdings AIFLY 65 ROE % Adjusted to Book Value is 18.61% as of Dec. 2025. GuruFocus rates AIFLY with a GF Score™ of 65/100 and a GF Value™ of $1.64. The stock has 5 warning signs investors should review.

Muninova Holdings's ROE % for the quarter that ended in Dec. 2025 was 16.38%. Muninova Holdings's PB Ratio for the quarter that ended in Dec. 2025 was 0.88. Muninova Holdings's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 18.61%.


Muninova Holdings ROE % Adjusted to Book Value Related Terms


Muninova Holdings ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Muninova Holdings's ROE % Adjusted to Book Value 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.

Muninova Holdings ROE % Adjusted to Book Value Chart

Muninova Holdings Annual Data
Trend Mar16 Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 13.39 7.44 13.31 13.80 17.52

Muninova Holdings Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 21.82 23.27 10.31 15.18 18.61

AIFLY vs V, MA, AXP: ROE % Adjusted to Book Value Comparison

For the Credit Services subindustry, Muninova Holdings's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.


Muninova Holdings ROE % Adjusted to Book Value vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Muninova Holdings's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Muninova Holdings's ROE % Adjusted to Book Value falls into.


AIFLY
65GF Score
Muninova Holdings Inc AIFLY
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Muninova Holdings ROE % Adjusted to Book Value Calculation

Muninova Holdings's ROE % Adjusted to Book Value for the fiscal year that ended in Mar. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=10.86% / 0.62
=17.52%

Muninova Holdings's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=16.38% / 0.88
=18.61%

* 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.

What does a ROE % Adjusted to Book Value of 18.61% mean?
Muninova Holdings (AIFLY) has a ROE % Adjusted to Book Value of 18.61% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Muninova Holdings and its competitors.
Is Muninova Holdings' ROE % Adjusted to Book Value too high?
Muninova Holdings' current ROE % Adjusted to Book Value is 18.61%. Overall, Muninova Holdings has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Muninova Holdings' ROE % Adjusted to Book Value compare to V and MA?
Muninova Holdings' ROE % Adjusted to Book Value of 18.61% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Credit Services company?
A good ROE % Adjusted to Book Value depends on the Credit Services industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Muninova Holdings and its competitors. Muninova Holdings's current ROE % Adjusted to Book Value is 18.61%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Muninova Holdings stock overvalued right now?
Muninova Holdings (AIFLY) has a current ROE % Adjusted to Book Value of 18.61%. The stock's GF Value™ is $1.64, compared to a current price of $1.40 — trading 14.6% below its estimated fair value. The current ROE % Adjusted to Book Value is 18.61%. Muninova Holdings' overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Muninova Holdings (AIFLY), the current ROE % Adjusted to Book Value is 18.61% 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 Muninova Holdings (AIFLY) Overvalued in 2026?

Based on GuruFocus' analysis, Muninova Holdings stock appears to be undervalued. The current stock price of $1.40 is trading 14.6% below its estimated GF Value™ of $1.64.

Key valuation signals for AIFLY:

  • ROE % Adjusted to Book Value: 18.61%
  • GF Value™: $1.64 vs. price of $1.40 (14.6% below fair value)
  • GF Score™: 65/100 with 5 warning signs

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


Muninova Holdings Business Description

Other Exchanges 547A:Japan
Address 381-1, Takasago-cho Gojo-Agaru, Karasuma-Dori, Shimogyo-ku, Kyoto, JPN, 600-8420
Muninova Holdings Inc is focused on the management and administration of group companies engaged in consumer finance, credit card, and related businesses.
65GF Score

Get the complete analysis for AIFLY

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

$1.40
Price
$1.64
GF Value