Finbond GroupJSE:FGL -1.10%34 ROE % is 5.56% as of Feb. 2026, which is 70% above its 10-year median of 3.27. GuruFocus rates JSE:FGL with a GF Score™ of 34/100 and a GF Value™ of R0.92 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,524 Banks companies, Finbond Group ranks better than 54.46% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Finbond Group's annualized net income for the quarter that ended in Feb. 2026 was R33 Mil. Finbond Group's average Total Stockholders Equity over the quarter that ended in Feb. 2026 was R596 Mil. Therefore, Finbond Group's annualized ROE % for the quarter that ended in Feb. 2026 was 5.56%.
The historical rank and industry rank for Finbond Group's ROE % or its related term are showing as below:
JSE:FGL'
s ROE % Range Over the Past 10 Years
Min: -33.65 Med: 3.27 Max: 27.72
Current: 10.82
During the past 13 years, Finbond Group's highest ROE % was 27.72%. The lowest was -33.65%. And the median was 3.27%.
JSE:FGL's ROE % is ranked better than 54.46% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs JSE:FGL: 10.82
Finbond Group (JSE:FGL) 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 (Feb. 2026) net income data. The Revenue data used here is two times the semi-annual (Feb. 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.
Finbond Group ROE % Related Terms
Finbond Group ROE % Historical Data
* Premium members only.
The historical data trend for Finbond 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 Mortgage Finance subindustry, Finbond 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.
Finbond Group ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Finbond Group's ROE % distribution charts can be found below:
* The bar in red indicates where Finbond 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 (Feb. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Finbond Group (JSE:FGL) has a ROE % of 5.56% as of Feb. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Finbond Group and its competitors. This is 70% above median its historical median of 3.27. According to the industry distribution chart, Finbond Group ranks #694 out of 1524 companies in the Banks industry, placing it in the top 45.5%.
Is Finbond Group's ROE % too high?
Finbond Group's current ROE % of 5.56% is 70% above median its 10-year median of 3.27. The Banks industry median ROE % is 10.22. Finbond Group's value of 5.56% is 45.6% below this industry median. Based on the distribution chart, Finbond Group ranks #694 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, Finbond Group has a GF Score™ of 34/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Finbond Group's ROE % compare to RKT and FNMA?
According to the Banks industry distribution chart, Finbond Group ranks #694 out of 1524 companies for ROE %. This puts Finbond Group in the upper half of its industry. The industry median ROE % is 10.22. Finbond Group's value of 5.56% is 45.6% below this benchmark. While the company's 10-year median is 3.27 vs. the industry median of 10.22, Finbond 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 Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 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. Finbond Group's current ROE % of 5.56% is 45.6% 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 Finbond Group and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finbond Group's current ROE % is 5.56%, which is 70% above median its own 10-year median of 3.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finbond Group stock overvalued right now?
Based on GuruFocus' analysis, Finbond Group (JSE:FGL) is currently considered Fairly Valued. The stock's GF Value™ is R0.92, compared to a current price of R0.90 — trading 2.2% below its estimated fair value. The current ROE % is 5.56%, which is 70% above median its 10-year median of 3.27 and 45.6% below the Banks industry median of 10.22. Finbond Group's overall GF Score™ is 34/100 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 Finbond Group (JSE:FGL), the current ROE % is 5.56% as of Feb. 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 Finbond Group (JSE:FGL) Overvalued in 2026?
Based on GuruFocus' analysis, Finbond Group stock appears to be undervalued.
The current stock price of R0.90 is trading 2.2% below its estimated GF Value™ of R0.92.
GuruFocus considers Finbond Group to be Fairly Valued.
Key valuation signals for JSE:FGL:
ROE %: 5.56% (70% above median its 10-year median of 3.27)
GF Value™: R0.92 vs. price of R0.90 (2.2% below fair value)
Industry Position: 45.6% below the Banks median (#694 of 1524)
No single metric tells the full story. See the JSE:FGL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Finbond Group Ltd is a financial services institution that is engaged in the design and delivery of value and solution-based savings, credit, and insurance solutions tailored to depositor and borrower requirements. The company's business segments are Deposit and Debt Finance Products, Lending, Property investment, and Transactional banking, and Others. It derives key revenue from the Lending segment. Company opertes in USA, South Africa, and Canada, with majority of revenue from USA.
34GF Score
Get the complete analysis for JSE:FGL
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
JSE:FGL has been successfully added to your 
