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OptasiaJSE:OPA +2.57%22 ROE % is 33.34% as of Dec. 2025, which is 80% below its 10-year median of 169.43. GuruFocus rates JSE:OPA with a GF Score™ of 22/100. The stock has 2 warning signs investors should review. Among 529 Credit Services companies, Optasia ranks better than 96.6% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Optasia's annualized net income for the quarter that ended in Dec. 2025 was R614 Mil. Optasia's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was R1,841 Mil. Therefore, Optasia's annualized ROE % for the quarter that ended in Dec. 2025 was 33.34%.
The historical rank and industry rank for Optasia's ROE % or its related term are showing as below:
JSE:OPA'
s ROE % Range Over the Past 10 Years
Min: 49.5 Med: 169.43 Max: 256.73
Current: 49.5
During the past 4 years, Optasia's highest ROE % was 256.73%. The lowest was 49.50%. And the median was 169.43%.
JSE:OPA's ROE % is ranked better than 96.6% of 529
companies
in the Credit Services industry
Industry Median: 6.77
vs JSE:OPA: 49.50
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.
Optasia ROE % Related Terms
Optasia ROE % Historical Data
* Premium members only.
The historical data trend for Optasia'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 Credit Services subindustry, Optasia'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.
Optasia ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Optasia's ROE % distribution charts can be found below:
* The bar in red indicates where Optasia'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.
Optasia (JSE:OPA) has a ROE % of 33.34% 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 Optasia and its competitors. This is 80% below median its historical median of 169.43. Over the past decade, Optasia's ROE % has ranged from 49.50 to 256.73. According to the industry distribution chart, Optasia ranks #18 out of 529 companies in the Credit Services industry, placing it in the top 3.4%.
Is Optasia's ROE % too high?
Optasia's current ROE % of 33.34% is 80% below median its 10-year median of 169.43. Over the past 10 years, this metric has ranged from a low of 49.50 to a high of 256.73. The Credit Services industry median ROE % is 6.77. Optasia's value of 33.34% is 392.5% above this industry median. Based on the distribution chart, Optasia ranks #18 out of 529 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Optasia has a GF Score™ of 22/100, reflecting its overall financial health beyond just this single metric.
How does Optasia's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Optasia ranks #18 out of 529 companies for ROE %. This places Optasia in the top 3% of its industry — outperforming the majority of peers. The industry median ROE % is 6.77. Optasia's value of 33.34% is 392.5% above this benchmark. Historically, Optasia's own ROE % has ranged from 49.50 to 256.73 over the past decade. While the company's 10-year median is 169.43 vs. the industry median of 6.77, Optasia 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 6.77, based on 529 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. Optasia's current ROE % of 33.34% is 392.5% 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 Optasia and its competitors. For the Credit Services industry, the median ROE % is 6.77 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Optasia's current ROE % is 33.34%, which is 80% below median its own 10-year median of 169.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Optasia stock overvalued right now?
Optasia (JSE:OPA) has a current ROE % of 33.34%. The current ROE % is 33.34%, which is 80% below median its 10-year median of 169.43 and 392.5% above the Credit Services industry median of 6.77. Optasia's overall GF Score™ is 22/100 with 2 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 Optasia (JSE:OPA), the current ROE % is 33.34% 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.
Optasia is an AI-powered fintech platform operating a B2B2X model that enables financial institutions, mobile network operators, wallets and digital distributors to offer digital credit products through their customer channels. The Group provides AI-driven decisioning, technology integration and risk management capabilities across emerging markets. Its core business lines are Micro Financing Solutions (MFS), which provides short-duration digital lending through mobile wallet ecosystems, and Airtime Credit Solutions (ACS), which offers airtime, data and bundle advance solutions through mobile network operator channels. Products include XTRA Cash, XTRA Balance, XTRA Time, XTRA, XTRA Bundle and XTRA Buy. It operates across Africa, the Middle East and other countries.
22GF Score
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