InvestSMART GroupASX:INV -6.67%52 ROE % is 9.63% as of Dec. 2025, which is 29% below its 10-year median of 13.52. GuruFocus rates ASX:INV with a GF Score™ of 52/100 and a GF Value™ of A$0.16 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 492 Diversified Financial Services companies, InvestSMART Group ranks better than 91.87% on this metric.
The historical rank and industry rank for InvestSMART Group's ROE % or its related term are showing as below:
ASX:INV'
s ROE % Range Over the Past 10 Years
Min: 4.61 Med: 13.52 Max: 19.79
Current: 12.27
During the past 3 years, InvestSMART Group's highest ROE % was 19.79%. The lowest was 4.61%. And the median was 13.52%.
ASX:INV's ROE % is ranked better than 91.87% of 492
companies
in the Diversified Financial Services industry
Industry Median: 1.65
vs ASX:INV: 12.27
InvestSMART Group (ASX:INV) 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.
InvestSMART Group ROE % Related Terms
InvestSMART Group ROE % Historical Data
* Premium members only.
The historical data trend for InvestSMART 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 Financial Conglomerates subindustry, InvestSMART 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.
InvestSMART Group ROE % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, InvestSMART Group's ROE % distribution charts can be found below:
* The bar in red indicates where InvestSMART 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.
InvestSMART Group (ASX:INV) has a ROE % of 9.63% 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 InvestSMART Group and its competitors. This is 29% below median its historical median of 13.52. Over the past decade, InvestSMART Group's ROE % has ranged from 4.61 to 19.79. According to the industry distribution chart, InvestSMART Group ranks #40 out of 492 companies in the Diversified Financial Services industry, placing it in the top 8.1%.
Is InvestSMART Group's ROE % too high?
InvestSMART Group's current ROE % of 9.63% is 29% below median its 10-year median of 13.52. Over the past 10 years, this metric has ranged from a low of 4.61 to a high of 19.79. The Diversified Financial Services industry median ROE % is 1.65. InvestSMART Group's value of 9.63% is 483.6% above this industry median. Based on the distribution chart, InvestSMART Group ranks #40 out of 492 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, InvestSMART Group has a GF Score™ of 52/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does InvestSMART Group's ROE % compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, InvestSMART Group ranks #40 out of 492 companies for ROE %. This places InvestSMART Group in the top 8% of its industry — outperforming the majority of peers. The industry median ROE % is 1.65. InvestSMART Group's value of 9.63% is 483.6% above this benchmark. Historically, InvestSMART Group's own ROE % has ranged from 4.61 to 19.79 over the past decade. While the company's 10-year median is 13.52 vs. the industry median of 1.65, InvestSMART 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 Diversified Financial Services company?
The median ROE % among Diversified Financial Services companies is 1.65, based on 492 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. InvestSMART Group's current ROE % of 9.63% is 483.6% 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 InvestSMART Group and its competitors. For the Diversified Financial Services industry, the median ROE % is 1.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. InvestSMART Group's current ROE % is 9.63%, which is 29% below median its own 10-year median of 13.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is InvestSMART Group stock overvalued right now?
Based on GuruFocus' analysis, InvestSMART Group (ASX:INV) is currently considered Modestly Undervalued. The stock's GF Value™ is A$0.16, compared to a current price of A$0.14 — trading 12.5% below its estimated fair value. The current ROE % is 9.63%, which is 29% below median its 10-year median of 13.52 and 483.6% above the Diversified Financial Services industry median of 1.65. InvestSMART Group's overall GF Score™ is 52/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For InvestSMART Group (ASX:INV), the current ROE % is 9.63% 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 InvestSMART Group (ASX:INV) Overvalued in 2026?
Based on GuruFocus' analysis, InvestSMART Group stock appears to be undervalued.
The current stock price of A$0.14 is trading 12.5% below its estimated GF Value™ of A$0.16.
GuruFocus considers InvestSMART Group to be Modestly Undervalued.
Key valuation signals for ASX:INV:
ROE %: 9.63% (29% below median its 10-year median of 13.52)
GF Value™: A$0.16 vs. price of A$0.14 (12.5% below fair value)
Industry Position: 483.6% above the Diversified Financial Services median (#40 of 492)
No single metric tells the full story. See the ASX:INV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
InvestSMART Group Ltd is mainly involved in operating businesses that deliver financial services to retail investors in Australia, predominantly in wealth and funds management. It offers a proprietary digital wealth platform that operates within a content and tools ecosystem, offering investment products like InvestSMART (Professionally Managed Accounts), Fundlater (lending service), White label, and Intelligent Investor. In addition, the platform provides investment content and tools like Intelligent Investor (research and investment advisory service), and organizes bootcamps for investors, among others.
52GF Score
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