Manx Financial GroupFRA:3IM +1.37%47 ROE % is 12.40% as of Dec. 2025, which is 15% below its 10-year median of 14.58. GuruFocus rates FRA:3IM with a GF Score™ of 47/100 and a GF Value™ of €0.26 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Manx Financial Group ranks better than 83.37% on this metric.
The historical rank and industry rank for Manx Financial Group's ROE % or its related term are showing as below:
FRA:3IM'
s ROE % Range Over the Past 10 Years
Min: 8.66 Med: 14.58 Max: 22.44
Current: 15.72
During the past 13 years, Manx Financial Group's highest ROE % was 22.44%. The lowest was 8.66%. And the median was 14.58%.
FRA:3IM's ROE % is ranked better than 83.37% of 1527
companies
in the Banks industry
Industry Median: 10.23
vs FRA:3IM: 15.72
Manx Financial Group (FRA:3IM) 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.
* 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, Manx 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.
Manx Financial Group ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Manx Financial Group's ROE % distribution charts can be found below:
* The bar in red indicates where Manx 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.
Manx Financial Group (FRA:3IM) has a ROE % of 12.40% 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 Manx Financial Group and its competitors. This is 15% below median its historical median of 14.58. Over the past decade, Manx Financial Group's ROE % has ranged from 8.66 to 22.44. According to the industry distribution chart, Manx Financial Group ranks #254 out of 1527 companies in the Banks industry, placing it in the top 16.6%.
Is Manx Financial Group's ROE % too high?
Manx Financial Group's current ROE % of 12.40% is 15% below median its 10-year median of 14.58. Over the past 10 years, this metric has ranged from a low of 8.66 to a high of 22.44. The Banks industry median ROE % is 10.23. Manx Financial Group's value of 12.40% is 21.2% above this industry median. Based on the distribution chart, Manx Financial Group ranks #254 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Manx Financial Group has a GF Score™ of 47/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Manx Financial Group's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Manx Financial Group ranks #254 out of 1527 companies for ROE %. This places Manx Financial Group in the top 17% of its industry — outperforming the majority of peers. The industry median ROE % is 10.23. Manx Financial Group's value of 12.40% is 21.2% above this benchmark. Historically, Manx Financial Group's own ROE % has ranged from 8.66 to 22.44 over the past decade. While the company's 10-year median is 14.58 vs. the industry median of 10.23, Manx 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 10.23, based on 1,527 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. Manx Financial Group's current ROE % of 12.40% is 21.2% 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 Manx Financial Group and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Manx Financial Group's current ROE % is 12.40%, which is 15% below median its own 10-year median of 14.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Manx Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Manx Financial Group (FRA:3IM) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.26, compared to a current price of €0.30 — trading 13.8% above its estimated fair value. The current ROE % is 12.40%, which is 15% below median its 10-year median of 14.58 and 21.2% above the Banks industry median of 10.23. Manx Financial Group's overall GF Score™ is 47/100 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 Manx Financial Group (FRA:3IM), the current ROE % is 12.40% 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 Manx Financial Group (FRA:3IM) Overvalued in 2026?
Based on GuruFocus' analysis, Manx Financial Group stock appears to be overvalued.
The current stock price of €0.30 is trading 13.8% above its estimated GF Value™ of €0.26.
GuruFocus considers Manx Financial Group to be Modestly Overvalued.
Key valuation signals for FRA:3IM:
ROE %: 12.40% (15% below median its 10-year median of 14.58)
GF Value™: €0.26 vs. price of €0.30 (13.8% above fair value)
Industry Position: 21.2% above the Banks median (#254 of 1527)
No single metric tells the full story. See the FRA:3IM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Manx Financial Group PLC is a banking company. The group along with its subsidiaries offers retail and commercial banking services, payment solutions, wealth management, general insurance, and life insurance. It operates in three product orientated segments along with investing activities: Asset and Personal Finance (including provision of HP contracts, finance leases, personal loans, commercial loans, block discounting, vehicle stocking plans and wholesale funding agreements); Edgewater Associates Limited (provision of financial advice); and MFX Limited (provision of foreign currency transaction services). The Group currently operates in one geographic segment comprising of the Isle of Man, and UK region.
47GF Score
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