BSP Financial GroupASX:BFL -0.12%58 ROE % is 24.20% as of Dec. 2025, which is 1% above its 10-year median of 23.95. 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. Among 1,524 Banks companies, BSP Financial Group ranks better than 95.41% on this metric.
The historical rank and industry rank for BSP Financial Group's ROE % or its related term are showing as below:
ASX:BFL'
s ROE % Range Over the Past 10 Years
Min: 21.57 Med: 23.95 Max: 28.34
Current: 24.19
During the past 5 years, BSP Financial Group's highest ROE % was 28.34%. The lowest was 21.57%. And the median was 23.95%.
ASX:BFL's ROE % is ranked better than 95.41% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs ASX:BFL: 24.19
BSP Financial Group (ASX:BFL) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
BSP Financial Group ROE % Related Terms
BSP Financial Group ROE % Historical Data
* Premium members only.
The historical data trend for BSP Financial Group's ROE % 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 Banks - Regional subindustry, BSP Financial Group's ROE %, along with its competitors' market caps and ROE % 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 % vs Banks Industry
For the Banks industry and Financial Services sector, BSP Financial Group's ROE % distribution charts can be found below:
* The bar in red indicates where BSP Financial Group's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
BSP Financial Group (ASX:BFL) has a ROE % of 24.20% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on BSP Financial Group and its competitors. This is near median its historical median of 23.95. Over the past decade, BSP Financial Group's ROE % has ranged from 21.57 to 28.34. According to the industry distribution chart, BSP Financial Group ranks #70 out of 1524 companies in the Banks industry, placing it in the top 4.6%.
Is BSP Financial Group's ROE % too high?
BSP Financial Group's current ROE % of 24.20% is near median its 10-year median of 23.95. Over the past 10 years, this metric has ranged from a low of 21.57 to a high of 28.34. The Banks industry median ROE % is 10.22. BSP Financial Group's value of 24.20% is 136.8% above this industry median. Based on the distribution chart, BSP Financial Group ranks #70 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 % compare to PNC and USB?
According to the Banks industry distribution chart, BSP Financial Group ranks #70 out of 1524 companies for ROE %. This places BSP Financial Group in the top 5% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. BSP Financial Group's value of 24.20% is 136.8% above this benchmark. Historically, BSP Financial Group's own ROE % has ranged from 21.57 to 28.34 over the past decade. While the company's 10-year median is 23.95 vs. the industry median of 10.22, BSP Financial Group has consistently been above 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BSP Financial Group's current ROE % of 24.20% is 136.8% above 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on BSP Financial Group and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BSP Financial Group's current ROE % is 24.20%, which is near median its own 10-year median of 23.95. 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$8.19 — trading 2.9% above its estimated fair value. The current ROE % is 24.20%, which is near median its 10-year median of 23.95 and 136.8% above the Banks industry median of 10.22. 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 % calculated?
ROE % is calculated from a company's financial statements. For BSP Financial Group (ASX:BFL), the current ROE % is 24.20% 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$8.19 is trading 2.9% 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 %: 24.20% (near median its 10-year median of 23.95)
GF Value™: A$7.96 vs. price of A$8.19 (2.9% above fair value)
Industry Position: 136.8% above the Banks median (#70 of 1524)
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 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
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