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Haitong Unitrust International Financial Leasing Co (FRA:HA6) 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.
Haitong Unitrust International Financial Leasing Co ROE % Related Terms
Haitong Unitrust International Financial Leasing Co 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.
Haitong Unitrust International Financial Leasing Co ROE % Chart
Haitong Unitrust International Financial Leasing Co 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.
Haitong Unitrust International Financial Leasing Co ROE % vs Credit Services 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 two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Haitong Unitrust International Financial Leasing Co (FRA:HA6) has a ROE % of 6.33% 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 Haitong Unitrust International Financial Leasing Co and its competitors. This is 22% below median its historical median of 8.11. Over the past decade, Haitong Unitrust International Financial Leasing Co's ROE % has ranged from 7.12 to 11.45. According to the industry distribution chart, Haitong Unitrust International Financial Leasing Co ranks #262 out of 532 companies in the Credit Services industry, placing it in the top 49.2%.
Is Haitong Unitrust International Financial Leasing Co's ROE % too high?
Haitong Unitrust International Financial Leasing Co's current ROE % of 6.33% is 22% below median its 10-year median of 8.11. Over the past 10 years, this metric has ranged from a low of 7.12 to a high of 11.45. The Credit Services industry median ROE % is 6.97. Haitong Unitrust International Financial Leasing Co's value of 6.33% is 9.2% below this industry median. Based on the distribution chart, Haitong Unitrust International Financial Leasing Co ranks #262 out of 532 companies in the Credit Services industry, which is above the industry midpoint. Overall, Haitong Unitrust International Financial Leasing Co has a GF Score™ of 41/100, reflecting its overall financial health beyond just this single metric.
How does Haitong Unitrust International Financial Leasing Co's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Haitong Unitrust International Financial Leasing Co ranks #262 out of 532 companies for ROE %. This puts Haitong Unitrust International Financial Leasing Co in the upper half of its industry. The industry median ROE % is 6.97. Haitong Unitrust International Financial Leasing Co's value of 6.33% is 9.2% below this benchmark. Historically, Haitong Unitrust International Financial Leasing Co's own ROE % has ranged from 7.12 to 11.45 over the past decade. While the company's 10-year median is 8.11 vs. the industry median of 6.97, Haitong Unitrust International Financial Leasing Co 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 Credit Services company?
The median ROE % among Credit Services companies is 6.97, based on 532 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. Haitong Unitrust International Financial Leasing Co's current ROE % of 6.33% is 9.2% 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 Haitong Unitrust International Financial Leasing Co and its competitors. For the Credit Services industry, the median ROE % is 6.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Haitong Unitrust International Financial Leasing Co's current ROE % is 6.33%, which is 22% below median its own 10-year median of 8.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Haitong Unitrust International Financial Leasing Co stock overvalued right now?
Haitong Unitrust International Financial Leasing Co (FRA:HA6) has a current ROE % of 6.33%. The stock's GF Value™ is €0.08, compared to a current price of €0.10 — trading 19.4% above its estimated fair value. The current ROE % is 6.33%, which is 22% below median its 10-year median of 8.11 and 9.2% below the Credit Services industry median of 6.97. Haitong Unitrust International Financial Leasing Co's overall GF Score™ is 41/100 with 6 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 Haitong Unitrust International Financial Leasing Co (FRA:HA6), the current ROE % is 6.33% 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 Haitong Unitrust International Financial Leasing Co (FRA:HA6) Overvalued in 2026?
Based on GuruFocus' analysis, Haitong Unitrust International Financial Leasing Co stock appears to be overvalued.
The current stock price of €0.10 is trading 19.4% above its estimated GF Value™ of €0.08.
Key valuation signals for FRA:HA6:
ROE %: 6.33% (22% below median its 10-year median of 8.11)
GF Value™: €0.08 vs. price of €0.10 (19.4% above fair value)
Industry Position: 9.2% below the Credit Services median (#262 of 532)
No single metric tells the full story. See the FRA:HA6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Haitong Unitrust International Financial Leasing Co Ltd is engaged in the finance lease business, lease business, purchase of leased assets from both domestic and international suppliers, residual value disposal and maintenance of leased assets, advisory services and guarantee of lease transactions, commercial factoring business related to the main business and other services. It operates in one reportable segment and derives revenue mainly from its operations and services rendered in the PRC.
41GF Score
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