BSP Financial Group (ASX:BFL) ROE % Adjusted to Book Value: 10.34% (As of Dec. 2025)


ASX:BFL BSP Financial Group Ltd ASX:BFL
58 GF Score
Price A$8.25
GF Value A$7.96
Valuation Fairly Valued
! 1 Warning Sign
View Full Analysis

What is BSP Financial Group ROE % Adjusted to Book Value?

BSP Financial Group ASX:BFL +0.61% 58 ROE % Adjusted to Book Value is 10.34% as of Dec. 2025. GuruFocus rates ASX:BFL with a GF Score™ of 58/100 and a GF Value™ of A$7.96 (Fairly Valued). The stock has 1 warning sign investors should review.

BSP Financial Group's ROE % for the quarter that ended in Dec. 2025 was 24.20%. BSP Financial Group's PB Ratio for the quarter that ended in Dec. 2025 was 2.34. BSP Financial Group's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 10.34%.


BSP Financial Group ROE % Adjusted to Book Value Related Terms


BSP Financial Group ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for BSP Financial Group'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.

BSP Financial Group ROE % Adjusted to Book Value Chart

BSP Financial Group Annual Data
Trend Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
17.18 15.47 11.47 11.05 10.24

BSP Financial Group Semi-Annual Data
Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.21 11.05 10.97 9.93 10.34

ASX:BFL vs PNC, USB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, BSP Financial Group'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.


BSP Financial Group ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, BSP Financial Group's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where BSP Financial Group's ROE % Adjusted to Book Value falls into.


ASX:BFL
58GF Score
BSP Financial Group Ltd ASX:BFL
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

BSP Financial Group ROE % Adjusted to Book Value Calculation

BSP Financial Group's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=23.95% / 2.34
=10.24%

BSP Financial Group'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
=24.20% / 2.34
=10.34%

* 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 10.34% mean?
BSP Financial Group (ASX:BFL) has a ROE % Adjusted to Book Value of 10.34% 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 BSP Financial Group and its competitors.
Is BSP Financial Group's ROE % Adjusted to Book Value too high?
BSP Financial Group's current ROE % Adjusted to Book Value is 10.34%. Overall, BSP Financial Group has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BSP Financial Group's ROE % Adjusted to Book Value compare to PNC and USB?
BSP Financial Group's ROE % Adjusted to Book Value of 10.34% can be compared against companies in the Banks 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 Banks company?
A good ROE % Adjusted to Book Value depends on the Banks 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 BSP Financial Group and its competitors. BSP Financial Group's current ROE % Adjusted to Book Value is 10.34%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BSP Financial Group stock overvalued right now?
Based on GuruFocus' analysis, BSP Financial Group (ASX:BFL) is currently considered Fairly Valued. The stock's GF Value™ is A$7.96, compared to a current price of A$8.25 — trading 3.6% above its estimated fair value. The current ROE % Adjusted to Book Value is 10.34%. BSP Financial Group's overall GF Score™ is 58/100 with 1 warning sign 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 BSP Financial Group (ASX:BFL), the current ROE % Adjusted to Book Value is 10.34% 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 BSP Financial Group (ASX:BFL) Overvalued in 2026?

Based on GuruFocus' analysis, BSP Financial Group stock appears to be overvalued. The current stock price of A$8.25 is trading 3.6% above its estimated GF Value™ of A$7.96. GuruFocus considers BSP Financial Group to be Fairly Valued.

Key valuation signals for ASX:BFL:

  • ROE % Adjusted to Book Value: 10.34%
  • GF Value™: A$7.96 vs. price of A$8.25 (3.6% above fair value)
  • GF Score™: 58/100 with 1 warning sign

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


BSP Financial Group Business Description

Address Klinki Street, Waigani Drive, Section 34, Allotment 6 and 7, Hohola, Port Moresby, PNG, 121
BSP Financial Group Ltd is a diversified business covering banking, asset finance, life insurance, and fund management. The company's operating segments include banking services, split into PNG Bank and Offshore Banks, and non-banking services, which comprise insurance operations, fund management, and asset financing activities. It generates a vast majority of its revenues from the PNG Bank segment. Geographically, the company operates in Papua New Guinea, Fiji, Solomon Islands, Cook Islands, Tonga, Samoa, Vanuatu, Cambodia, and Laos.
58GF Score

Get the complete analysis for ASX:BFL

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

A$8.25
Price
A$7.96
GF Value