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E-Finance For Digital And Financial InvestmentsE (CAI:EFIH) 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 four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) 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.
E-Finance For Digital And Financial InvestmentsE ROE % Related Terms
E-Finance For Digital And Financial InvestmentsE ROE % Historical Data
* 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.
E-Finance For Digital And Financial InvestmentsE ROE % Chart
E-Finance For Digital And Financial InvestmentsE Annual Data
* 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.
E-Finance For Digital And Financial InvestmentsE ROE % vs Software Industry
* 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 four times the quarterly (Jun. 2026) net income data.
ROE % is displayed in the 30-year financial page.
E-Finance For Digital And Financial InvestmentsE (CAI:EFIH) has a ROE % of 40.42% as of Jun. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on E-Finance For Digital And Financial InvestmentsE and its competitors. This is 48% above median its historical median of 27.40. Over the past decade, E-Finance For Digital And Financial InvestmentsE's ROE % has ranged from 19.01 to 36.72. According to the industry distribution chart, E-Finance For Digital And Financial InvestmentsE ranks #204 out of 2691 companies in the Software industry, placing it in the top 7.6%.
Is E-Finance For Digital And Financial InvestmentsE's ROE % too high?
E-Finance For Digital And Financial InvestmentsE's current ROE % of 40.42% is 48% above median its 10-year median of 27.40. Over the past 10 years, this metric has ranged from a low of 19.01 to a high of 36.72. The Software industry median ROE % is 4.86. E-Finance For Digital And Financial InvestmentsE's value of 40.42% is 731.7% above this industry median. Based on the distribution chart, E-Finance For Digital And Financial InvestmentsE ranks #204 out of 2691 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, E-Finance For Digital And Financial InvestmentsE has a GF Score™ of 96/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does E-Finance For Digital And Financial InvestmentsE's ROE % compare to MSFT and ORCL?
According to the Software industry distribution chart, E-Finance For Digital And Financial InvestmentsE ranks #204 out of 2691 companies for ROE %. This places E-Finance For Digital And Financial InvestmentsE in the top 8% of its industry — outperforming the majority of peers. The industry median ROE % is 4.86. E-Finance For Digital And Financial InvestmentsE's value of 40.42% is 731.7% above this benchmark. Historically, E-Finance For Digital And Financial InvestmentsE's own ROE % has ranged from 19.01 to 36.72 over the past decade. While the company's 10-year median is 27.40 vs. the industry median of 4.86, E-Finance For Digital And Financial InvestmentsE 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 Software company?
The median ROE % among Software companies is 4.86, based on 2,691 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. E-Finance For Digital And Financial InvestmentsE's current ROE % of 40.42% is 731.7% 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 E-Finance For Digital And Financial InvestmentsE and its competitors. For the Software industry, the median ROE % is 4.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. E-Finance For Digital And Financial InvestmentsE's current ROE % is 40.42%, which is 48% above median its own 10-year median of 27.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is E-Finance For Digital And Financial InvestmentsE stock overvalued right now?
Based on GuruFocus' analysis, E-Finance For Digital And Financial InvestmentsE (CAI:EFIH) is currently considered Fairly Valued. The stock's GF Value™ is E£23.34, compared to a current price of E£24.99 — trading 7.1% above its estimated fair value. The current ROE % is 40.42%, which is 48% above median its 10-year median of 27.40 and 731.7% above the Software industry median of 4.86. E-Finance For Digital And Financial InvestmentsE's overall GF Score™ is 96/100 with 5 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 E-Finance For Digital And Financial InvestmentsE (CAI:EFIH), the current ROE % is 40.42% as of Jun. 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 E-Finance For Digital And Financial InvestmentsE (CAI:EFIH) Overvalued in 2026?
Based on GuruFocus' analysis, E-Finance For Digital And Financial InvestmentsE stock appears to be overvalued.
The current stock price of E£24.99 is trading 7.1% above its estimated GF Value™ of E£23.34.
GuruFocus considers E-Finance For Digital And Financial InvestmentsE to be Fairly Valued.
Key valuation signals for CAI:EFIH:
ROE %: 40.42% (48% above median its 10-year median of 27.40)
GF Value™: E£23.34 vs. price of E£24.99 (7.1% above fair value)
Industry Position: 731.7% above the Software median (#204 of 2691)
No single metric tells the full story. See the CAI:EFIH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
E-Finance For Digital And Financial Investments SAE is developing integrated platforms in Egypt's digital revolution. It is a fintech platform and developer of digital payments infrastructures. The company invests in platforms and solutions that serve everyone from government agencies to ordinary consumers. The business has seven operating segments; Services and operation of cards, Integrated solutions, installation, and technical support services, card center services, hosting services, maintenance and network contracts, and others. It derives a majority of its revenue from the installation and Technical support services.
96GF Score
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