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Goldpac GroupFRA:G9D +0.75%46 ROE % is 1.66% as of Dec. 2025, which is 77% below its 10-year median of 7.27. GuruFocus rates FRA:G9D with a GF Score™ of 46/100 and a GF Value™ of €0.08. The stock has 7 warning signs investors should review. Among 2,690 Software companies, Goldpac Group ranks worse than 57.21% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Goldpac Group's annualized net income for the quarter that ended in Dec. 2025 was €4.0 Mil. Goldpac Group's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was €242.0 Mil. Therefore, Goldpac Group's annualized ROE % for the quarter that ended in Dec. 2025 was 1.66%.
The historical rank and industry rank for Goldpac Group's ROE % or its related term are showing as below:
FRA:G9D'
s ROE % Range Over the Past 10 Years
Min: 2.02 Med: 7.27 Max: 10.73
Current: 2.02
During the past 13 years, Goldpac Group's highest ROE % was 10.73%. The lowest was 2.02%. And the median was 7.27%.
FRA:G9D's ROE % is ranked worse than 57.21% of 2690
companies
in the Software industry
Industry Median: 4.78
vs FRA:G9D: 2.02
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.
Goldpac Group ROE % Related Terms
Goldpac Group ROE % Historical Data
* Premium members only.
The historical data trend for Goldpac Group'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 Software - Infrastructure subindustry, Goldpac 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.
Goldpac Group ROE % vs Software Industry
For the Software industry and Technology sector, Goldpac Group's ROE % distribution charts can be found below:
* The bar in red indicates where Goldpac 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.
Goldpac Group (FRA:G9D) has a ROE % of 1.66% 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 Goldpac Group and its competitors. This is 77% below median its historical median of 7.27. Over the past decade, Goldpac Group's ROE % has ranged from 2.02 to 10.73. According to the industry distribution chart, Goldpac Group ranks #1539 out of 2690 companies in the Software industry, placing it in the top 57.2%.
Is Goldpac Group's ROE % too high?
Goldpac Group's current ROE % of 1.66% is 77% below median its 10-year median of 7.27. Over the past 10 years, this metric has ranged from a low of 2.02 to a high of 10.73. The Software industry median ROE % is 4.78. Goldpac Group's value of 1.66% is 65.3% below this industry median. Based on the distribution chart, Goldpac Group ranks #1539 out of 2690 companies in the Software industry, which is below the industry midpoint. Overall, Goldpac Group has a GF Score™ of 46/100, reflecting its overall financial health beyond just this single metric.
How does Goldpac Group's ROE % compare to MSFT and ORCL?
According to the Software industry distribution chart, Goldpac Group ranks #1539 out of 2690 companies for ROE %. This places Goldpac Group in the lower half of its industry. The industry median ROE % is 4.78. Goldpac Group's value of 1.66% is 65.3% below this benchmark. Historically, Goldpac Group's own ROE % has ranged from 2.02 to 10.73 over the past decade. While the company's 10-year median is 7.27 vs. the industry median of 4.78, Goldpac Group has consistently been below 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 4.78, based on 2,690 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. Goldpac Group's current ROE % of 1.66% is 65.3% below 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 Goldpac Group and its competitors. For the Software industry, the median ROE % is 4.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Goldpac Group's current ROE % is 1.66%, which is 77% below median its own 10-year median of 7.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Goldpac Group stock overvalued right now?
Goldpac Group (FRA:G9D) has a current ROE % of 1.66%. The stock's GF Value™ is €0.08, compared to a current price of €0.07 — trading 15.6% below its estimated fair value. The current ROE % is 1.66%, which is 77% below median its 10-year median of 7.27 and 65.3% below the Software industry median of 4.78. Goldpac Group's overall GF Score™ is 46/100 with 7 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 Goldpac Group (FRA:G9D), the current ROE % is 1.66% 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 Goldpac Group (FRA:G9D) Overvalued in 2026?
Based on GuruFocus' analysis, Goldpac Group stock appears to be undervalued.
The current stock price of €0.07 is trading 15.6% below its estimated GF Value™ of €0.08.
Key valuation signals for FRA:G9D:
ROE %: 1.66% (77% below median its 10-year median of 7.27)
GF Value™: €0.08 vs. price of €0.07 (15.6% below fair value)
Industry Position: 65.3% below the Software median (#1539 of 2690)
No single metric tells the full story. See the FRA:G9D stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Goldpac Group Ltd offers solutions to secure payment systems, embedded software and security products, data management services, card issuance systems, multi-function terminals, and custom turnkey solutions covering financial services. The operating segments of the group are Embedded software and secure payment products, which is the key revenue-driving segment, includes embedded software and secure payment products for smart secure payment; and the Platform and service segment which involves the provision of data processing, equipment, system platforms and other total solutions for customers in a wide business range including financial, government, healthcare, transportation and retails by leveraging Fintech.
46GF Score
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