Georgia CapitalFRA:2IX -3.81%64 ROE % is 37.32% as of Dec. 2025, which is 132% above its 10-year median of 16.09. GuruFocus rates FRA:2IX with a GF Score™ of 64/100 and a GF Value™ of €48.42 (Fairly Valued). The stock has 3 warning signs investors should review. Among 492 Diversified Financial Services companies, Georgia Capital ranks better than 97.36% on this metric.
The historical rank and industry rank for Georgia Capital's ROE % or its related term are showing as below:
FRA:2IX'
s ROE % Range Over the Past 10 Years
Min: -0.43 Med: 16.09 Max: 43
Current: 42.8
During the past 11 years, Georgia Capital's highest ROE % was 43.00%. The lowest was -0.43%. And the median was 16.09%.
FRA:2IX's ROE % is ranked better than 97.36% of 492
companies
in the Diversified Financial Services industry
Industry Median: 1.65
vs FRA:2IX: 42.80
Georgia Capital (FRA:2IX) 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.
Georgia Capital ROE % Related Terms
Georgia Capital ROE % Historical Data
* Premium members only.
The historical data trend for Georgia Capital'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, Georgia Capital'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.
Georgia Capital ROE % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, Georgia Capital's ROE % distribution charts can be found below:
* The bar in red indicates where Georgia Capital'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.
Georgia Capital (FRA:2IX) has a ROE % of 37.32% 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 Georgia Capital and its competitors. This is 132% above median its historical median of 16.09. According to the industry distribution chart, Georgia Capital ranks #13 out of 492 companies in the Diversified Financial Services industry, placing it in the top 2.6%.
Is Georgia Capital's ROE % too high?
Georgia Capital's current ROE % of 37.32% is 132% above median its 10-year median of 16.09. The Diversified Financial Services industry median ROE % is 1.65. Georgia Capital's value of 37.32% is 2161.8% above this industry median. Based on the distribution chart, Georgia Capital ranks #13 out of 492 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, Georgia Capital has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Georgia Capital's ROE % compare to FRHC?
According to the Diversified Financial Services industry distribution chart, Georgia Capital ranks #13 out of 492 companies for ROE %. This places Georgia Capital in the top 3% of its industry — outperforming the majority of peers. The industry median ROE % is 1.65. Georgia Capital's value of 37.32% is 2161.8% above this benchmark. While the company's 10-year median is 16.09 vs. the industry median of 1.65, Georgia Capital 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. Georgia Capital's current ROE % of 37.32% is 2161.8% 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 Georgia Capital 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. Georgia Capital's current ROE % is 37.32%, which is 132% above median its own 10-year median of 16.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Georgia Capital stock overvalued right now?
Based on GuruFocus' analysis, Georgia Capital (FRA:2IX) is currently considered Fairly Valued. The stock's GF Value™ is €48.42, compared to a current price of €45.40 — trading 6.2% below its estimated fair value. The current ROE % is 37.32%, which is 132% above median its 10-year median of 16.09 and 2161.8% above the Diversified Financial Services industry median of 1.65. Georgia Capital's overall GF Score™ is 64/100 with 3 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 Georgia Capital (FRA:2IX), the current ROE % is 37.32% 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 Georgia Capital (FRA:2IX) Overvalued in 2026?
Based on GuruFocus' analysis, Georgia Capital stock appears to be undervalued.
The current stock price of €45.40 is trading 6.2% below its estimated GF Value™ of €48.42.
GuruFocus considers Georgia Capital to be Fairly Valued.
Key valuation signals for FRA:2IX:
ROE %: 37.32% (132% above median its 10-year median of 16.09)
GF Value™: €48.42 vs. price of €45.40 (6.2% below fair value)
Industry Position: 2161.8% above the Diversified Financial Services median (#13 of 492)
No single metric tells the full story. See the FRA:2IX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Georgia Capital PLC is focused on buying, building and developing businesses in Georgia and monetising investments as it matures. The company currently has the following private large portfolio businesses (i) a retail (pharmacy) business, (ii) an insurance business (P&C and medical insurance), and (iii) a healthcare services business (hospitals and clinics and diagnostics). The company's operating segments are: listed and observable portfolio companies, private large portfolio companies, private emerging and other portfolio companies, and corporate centre.
64GF Score
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