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Genertec Universal Medical Group Co (HKSE:02666) 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.
Genertec Universal Medical Group Co ROE % Related Terms
Genertec Universal Medical Group 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.
For the Credit Services subindustry, Genertec Universal Medical Group Co'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.
Genertec Universal Medical Group Co ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Genertec Universal Medical Group Co's ROE % distribution charts can be found below:
* The bar in red indicates where Genertec Universal Medical Group Co'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.
Genertec Universal Medical Group Co (HKSE:02666) has a ROE % of 9.62% 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 Genertec Universal Medical Group Co and its competitors. This is 32% below median its historical median of 14.05. Over the past decade, Genertec Universal Medical Group Co's ROE % has ranged from 11.28 to 16.78. According to the industry distribution chart, Genertec Universal Medical Group Co ranks #174 out of 533 companies in the Credit Services industry, placing it in the top 32.6%.
Is Genertec Universal Medical Group Co's ROE % too high?
Genertec Universal Medical Group Co's current ROE % of 9.62% is 32% below median its 10-year median of 14.05. Over the past 10 years, this metric has ranged from a low of 11.28 to a high of 16.78. The Credit Services industry median ROE % is 6.95. Genertec Universal Medical Group Co's value of 9.62% is 38.4% above this industry median. Based on the distribution chart, Genertec Universal Medical Group Co ranks #174 out of 533 companies in the Credit Services industry, which is above the industry midpoint. Overall, Genertec Universal Medical Group Co has a GF Score™ of 84/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Genertec Universal Medical Group Co's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Genertec Universal Medical Group Co ranks #174 out of 533 companies for ROE %. This puts Genertec Universal Medical Group Co in the upper half of its industry. The industry median ROE % is 6.95. Genertec Universal Medical Group Co's value of 9.62% is 38.4% above this benchmark. Historically, Genertec Universal Medical Group Co's own ROE % has ranged from 11.28 to 16.78 over the past decade. While the company's 10-year median is 14.05 vs. the industry median of 6.95, Genertec Universal Medical Group Co 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 Credit Services company?
The median ROE % among Credit Services companies is 6.95, based on 533 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. Genertec Universal Medical Group Co's current ROE % of 9.62% is 38.4% 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 Genertec Universal Medical Group Co and its competitors. For the Credit Services industry, the median ROE % is 6.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Genertec Universal Medical Group Co's current ROE % is 9.62%, which is 32% below median its own 10-year median of 14.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Genertec Universal Medical Group Co stock overvalued right now?
Based on GuruFocus' analysis, Genertec Universal Medical Group Co (HKSE:02666) is currently considered Fairly Valued. The stock's GF Value™ is HK$4.51, compared to a current price of HK$4.67 — trading 3.5% above its estimated fair value. The current ROE % is 9.62%, which is 32% below median its 10-year median of 14.05 and 38.4% above the Credit Services industry median of 6.95. Genertec Universal Medical Group Co's overall GF Score™ is 84/100 with 5 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 Genertec Universal Medical Group Co (HKSE:02666), the current ROE % is 9.62% 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 Genertec Universal Medical Group Co (HKSE:02666) Overvalued in 2026?
Based on GuruFocus' analysis, Genertec Universal Medical Group Co stock appears to be overvalued.
The current stock price of HK$4.67 is trading 3.5% above its estimated GF Value™ of HK$4.51.
GuruFocus considers Genertec Universal Medical Group Co to be Fairly Valued.
Key valuation signals for HKSE:02666:
ROE %: 9.62% (32% below median its 10-year median of 14.05)
GF Value™: HK$4.51 vs. price of HK$4.67 (3.5% above fair value)
Industry Position: 38.4% above the Credit Services median (#174 of 533)
No single metric tells the full story. See the HKSE:02666 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Genertec Universal Medical Group Co Ltd is principally engaged in providing financing to its customers under finance lease arrangements, the provision of advisory services, the sale of medical equipment as well as leases under operating lease arrangements, and the provision of other services. The group has two business segments namely The finance business comprises direct finance leasing, sale-and-leaseback, factoring, operating leases, and advisory services; and Healthcare business comprises includes hospital group business, healthcare technology business and specialty business. Geographically, it derives a majority of its revenue from Mainland China.
84GF Score
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