Benefit SystemsFRA:3ZV +1.09%91 ROE % is 36.57% as of Mar. 2026, which is 17% above its 10-year median of 31.20. GuruFocus rates FRA:3ZV with a GF Score™ of 91/100 and a GF Value™ of €916.56 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 824 Travel & Leisure companies, Benefit Systems ranks better than 90.9% on this metric.
The historical rank and industry rank for Benefit Systems's ROE % or its related term are showing as below:
FRA:3ZV'
s ROE % Range Over the Past 10 Years
Min: -17.5 Med: 31.2 Max: 51.01
Current: 35.29
During the past 13 years, Benefit Systems's highest ROE % was 51.01%. The lowest was -17.50%. And the median was 31.20%.
FRA:3ZV's ROE % is ranked better than 90.9% of 824
companies
in the Travel & Leisure industry
Industry Median: 5.485
vs FRA:3ZV: 35.29
Benefit Systems (FRA:3ZV) 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 (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 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.
Benefit Systems ROE % Related Terms
Benefit Systems ROE % Historical Data
* Premium members only.
The historical data trend for Benefit Systems'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 Leisure subindustry, Benefit Systems'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.
Benefit Systems ROE % vs Travel & Leisure Industry
For the Travel & Leisure industry and Consumer Cyclical sector, Benefit Systems's ROE % distribution charts can be found below:
* The bar in red indicates where Benefit Systems'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 four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Benefit Systems (FRA:3ZV) has a ROE % of 36.57% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Benefit Systems and its competitors. This is 17% above median its historical median of 31.20. According to the industry distribution chart, Benefit Systems ranks #75 out of 824 companies in the Travel & Leisure industry, placing it in the top 9.1%.
Is Benefit Systems' ROE % too high?
Benefit Systems' current ROE % of 36.57% is 17% above median its 10-year median of 31.20. The Travel & Leisure industry median ROE % is 5.49. Benefit Systems' value of 36.57% is 566.7% above this industry median. Based on the distribution chart, Benefit Systems ranks #75 out of 824 companies in the Travel & Leisure industry, which is in the top quartile — a strong position relative to peers. Overall, Benefit Systems has a GF Score™ of 91/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Benefit Systems' ROE % compare to AS and HAS?
According to the Travel & Leisure industry distribution chart, Benefit Systems ranks #75 out of 824 companies for ROE %. This places Benefit Systems in the top 9% of its industry — outperforming the majority of peers. The industry median ROE % is 5.49. Benefit Systems' value of 36.57% is 566.7% above this benchmark. While the company's 10-year median is 31.20 vs. the industry median of 5.49, Benefit Systems 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 Travel & Leisure company?
The median ROE % among Travel & Leisure companies is 5.49, based on 824 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. Benefit Systems's current ROE % of 36.57% is 566.7% 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 Benefit Systems and its competitors. For the Travel & Leisure industry, the median ROE % is 5.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Benefit Systems's current ROE % is 36.57%, which is 17% above median its own 10-year median of 31.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Benefit Systems stock overvalued right now?
Based on GuruFocus' analysis, Benefit Systems (FRA:3ZV) is currently considered Modestly Overvalued. The stock's GF Value™ is €916.56, compared to a current price of €1,113.00 — trading 21.4% above its estimated fair value. The current ROE % is 36.57%, which is 17% above median its 10-year median of 31.20 and 566.7% above the Travel & Leisure industry median of 5.49. Benefit Systems' overall GF Score™ is 91/100 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 Benefit Systems (FRA:3ZV), the current ROE % is 36.57% as of Mar. 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 Benefit Systems (FRA:3ZV) Overvalued in 2026?
Based on GuruFocus' analysis, Benefit Systems stock appears to be overvalued.
The current stock price of €1,113.00 is trading 21.4% above its estimated GF Value™ of €916.56.
GuruFocus considers Benefit Systems to be Modestly Overvalued.
Key valuation signals for FRA:3ZV:
ROE %: 36.57% (17% above median its 10-year median of 31.20)
GF Value™: €916.56 vs. price of €1,113.00 (21.4% above fair value)
Industry Position: 566.7% above the Travel & Leisure median (#75 of 824)
No single metric tells the full story. See the FRA:3ZV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Benefit Systems SA is Poland based company which is engaged in providing work benefits in the area of sport, recreations, culture and entertainment. Its products portfolio includes MultiSport Plus card, program that allows access to the sport and recreation clubs and multi-purpose facilities as well as Mybenefit, Benefitlunch, Multibilet, Multikafeteria and others.
91GF Score
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