ZEAL Network SE (STU:TIM) ROE % Adjusted to Book Value: 3.27% (As of Mar. 2026)


STU:TIM ZEAL Network SE STU:TIM
87 GF Score
Price €42.60
GF Value €68.99
Valuation Significantly Undervalued
! 2 Warning Signs
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What is ZEAL Network SE ROE % Adjusted to Book Value?

ZEAL Network SE STU:TIM +1.43% 87 ROE % Adjusted to Book Value is 3.27% as of Mar. 2026. GuruFocus rates STU:TIM with a GF Score™ of 87/100 and a GF Value™ of €68.99 (Significantly Undervalued). The stock has 2 warning signs investors should review.

ZEAL Network SE's ROE % for the quarter that ended in Mar. 2026 was 14.14%. ZEAL Network SE's PB Ratio for the quarter that ended in Mar. 2026 was 4.33. ZEAL Network SE's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 3.27%.


ZEAL Network SE ROE % Adjusted to Book Value Related Terms


ZEAL Network SE ROE % Adjusted to Book Value Historical Data

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The historical data trend for ZEAL Network SE'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.

ZEAL Network SE ROE % Adjusted to Book Value Chart

ZEAL Network SE Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.20 2.40 1.63 5.31 3.72

ZEAL Network SE Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 4.35 3.46 5.71 2.91 3.27

STU:TIM vs FLUT, DKNG, SGHC: ROE % Adjusted to Book Value Comparison

For the Gambling subindustry, ZEAL Network SE'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.


ZEAL Network SE ROE % Adjusted to Book Value vs Travel & Leisure Industry

For the Travel & Leisure industry and Consumer Cyclical sector, ZEAL Network SE's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where ZEAL Network SE's ROE % Adjusted to Book Value falls into.


STU:TIM
87GF Score
ZEAL Network SE STU:TIM
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

ZEAL Network SE ROE % Adjusted to Book Value Calculation

ZEAL Network SE'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
=17.79% / 4.78
=3.72%

ZEAL Network SE's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=14.14% / 4.33
=3.27%

* 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 3.27% mean?
ZEAL Network SE (STU:TIM) has a ROE % Adjusted to Book Value of 3.27% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on ZEAL Network SE and its competitors.
Is ZEAL Network SE's ROE % Adjusted to Book Value too high?
ZEAL Network SE's current ROE % Adjusted to Book Value is 3.27%. Overall, ZEAL Network SE has a GF Score™ of 87/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ZEAL Network SE's ROE % Adjusted to Book Value compare to FLUT and DKNG?
ZEAL Network SE's ROE % Adjusted to Book Value of 3.27% can be compared against companies in the Travel & Leisure 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 Travel & Leisure company?
A good ROE % Adjusted to Book Value depends on the Travel & Leisure 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 ZEAL Network SE and its competitors. ZEAL Network SE's current ROE % Adjusted to Book Value is 3.27%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ZEAL Network SE stock overvalued right now?
Based on GuruFocus' analysis, ZEAL Network SE (STU:TIM) is currently considered Significantly Undervalued. The stock's GF Value™ is €68.99, compared to a current price of €42.60 — trading 38.3% below its estimated fair value. The current ROE % Adjusted to Book Value is 3.27%. ZEAL Network SE's overall GF Score™ is 87/100 with 2 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 ZEAL Network SE (STU:TIM), the current ROE % Adjusted to Book Value is 3.27% 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 ZEAL Network SE (STU:TIM) Overvalued in 2026?

Based on GuruFocus' analysis, ZEAL Network SE stock appears to be undervalued. The current stock price of €42.60 is trading 38.3% below its estimated GF Value™ of €68.99. GuruFocus considers ZEAL Network SE to be Significantly Undervalued.

Key valuation signals for STU:TIM:

  • ROE % Adjusted to Book Value: 3.27%
  • GF Value™: €68.99 vs. price of €42.60 (38.3% below fair value)
  • GF Score™: 87/100 with 2 warning signs

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


ZEAL Network SE Business Description

Address Strassenbahnring 11, Hamburg, NI, DEU, 20251
ZEAL Network SE is an e-commerce group of companies company specializing in the area of online lottery. The company offers consumer-facing lottery-based games as well as business-to-business solutions. The operating business segments are Germany and Other. The ZEAL group now has more than one million active customers. ZEAL allows the participation in state-licensed lotteries via the LOTTO24 and Tipp24 brands and also offers its own lottery products. ZEAL operates under its owns brands namely ZEAL Instant Games, ZEAL Ventures and ZEAL Iberia.
87GF Score

Get the complete analysis for STU:TIM

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

€42.60
Price
€68.99
GF Value