CAB Payments HoldingsCABPF 34 ROE % is 14.42% as of Dec. 2025, which is 42% above its 10-year median of 10.18. GuruFocus rates CABPF with a GF Score™ of 34/100 and a GF Value™ of $0.56 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,523 Banks companies, CAB Payments Holdings ranks worse than 59.82% on this metric.
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.
* 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 - Diversified subindustry, CAB Payments Holdings'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.
CAB Payments Holdings ROE % vs Banks Industry
For the Banks industry and Financial Services sector, CAB Payments Holdings's ROE % distribution charts can be found below:
* The bar in red indicates where CAB Payments Holdings'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.
CAB Payments Holdings (CABPF) has a ROE % of 14.42% 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 CAB Payments Holdings and its competitors. This is 42% above median its historical median of 10.18. According to the industry distribution chart, CAB Payments Holdings ranks #911 out of 1523 companies in the Banks industry, placing it in the top 59.8%.
Is CAB Payments Holdings' ROE % too high?
CAB Payments Holdings' current ROE % of 14.42% is 42% above median its 10-year median of 10.18. The Banks industry median ROE % is 10.22. CAB Payments Holdings' value of 14.42% is 41.1% above this industry median. Based on the distribution chart, CAB Payments Holdings ranks #911 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, CAB Payments Holdings has a GF Score™ of 34/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CAB Payments Holdings' ROE % compare to JPM and BAC?
According to the Banks industry distribution chart, CAB Payments Holdings ranks #911 out of 1523 companies for ROE %. This places CAB Payments Holdings in the lower half of its industry. The industry median ROE % is 10.22. CAB Payments Holdings' value of 14.42% is 41.1% above this benchmark. While the company's 10-year median is 10.18 vs. the industry median of 10.22, CAB Payments Holdings 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 1,523 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. CAB Payments Holdings's current ROE % of 14.42% is 41.1% 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 CAB Payments Holdings 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. CAB Payments Holdings's current ROE % is 14.42%, which is 42% above median its own 10-year median of 10.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CAB Payments Holdings stock overvalued right now?
Based on GuruFocus' analysis, CAB Payments Holdings (CABPF) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.56, compared to a current price of $1.02 — trading 82.1% above its estimated fair value. The current ROE % is 14.42%, which is 42% above median its 10-year median of 10.18 and 41.1% above the Banks industry median of 10.22. CAB Payments Holdings' overall GF Score™ is 34/100 with 4 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 CAB Payments Holdings (CABPF), the current ROE % is 14.42% 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 CAB Payments Holdings (CABPF) Overvalued in 2026?
Based on GuruFocus' analysis, CAB Payments Holdings stock appears to be overvalued.
The current stock price of $1.02 is trading 82.1% above its estimated GF Value™ of $0.56.
GuruFocus considers CAB Payments Holdings to be Significantly Overvalued.
Key valuation signals for CABPF:
ROE %: 14.42% (42% above median its 10-year median of 10.18)
GF Value™: $0.56 vs. price of $1.02 (82.1% above fair value)
Industry Position: 41.1% above the Banks median (#911 of 1523)
No single metric tells the full story. See the CABPF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CAB Payments Holdings PLC offers cross-border payments and banking services for hard-to-reach markets around the world. Along with its subsidiaries, the company operates in three principal business lines, addressing various combinations of client groups, distribution networks, and services: Foreign Exchange (FX), which derives maximum revenue, Payments, and Banking Services. Foreign Exchange (FX) business provides access to clients to various markets and currencies, and enables them to trade in a way that suits their business needs, via web app, GUI, or FIX API; Payments business provides international payment solutions; and Banking Services engages in wholesale banking, providing transaction and deposit accounts, in addition to trade finance solutions.
34GF Score
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