PBT HoldingsJSE:PBT 74 ROE % is 27.96% as of Sep. 2025, which is 70% above its 10-year median of 16.49. GuruFocus rates JSE:PBT with a GF Score™ of 74/100 and a GF Value™ of R6.96 (Fairly Valued). The stock has 2 warning signs investors should review. Among 2,678 Software companies, PBT Holdings ranks better than 89.28% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. PBT Holdings's annualized net income for the quarter that ended in Sep. 2025 was R69 Mil. PBT Holdings's average Total Stockholders Equity over the quarter that ended in Sep. 2025 was R247 Mil. Therefore, PBT Holdings's annualized ROE % for the quarter that ended in Sep. 2025 was 27.96%.
The historical rank and industry rank for PBT Holdings's ROE % or its related term are showing as below:
JSE:PBT'
s ROE % Range Over the Past 10 Years
Min: -43.76 Med: 16.49 Max: 175.47
Current: 28.7
During the past 13 years, PBT Holdings's highest ROE % was 175.47%. The lowest was -43.76%. And the median was 16.49%.
JSE:PBT's ROE % is ranked better than 89.28% of 2678
companies
in the Software industry
Industry Median: 4.685
vs JSE:PBT: 28.70
PBT Holdings (JSE:PBT) 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 (Sep. 2025) net income data. The Revenue data used here is two times the semi-annual (Sep. 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.
PBT Holdings ROE % Related Terms
PBT Holdings ROE % Historical Data
* Premium members only.
The historical data trend for PBT Holdings'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 Information Technology Services subindustry, PBT Holdings'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.
PBT Holdings ROE % vs Software Industry
For the Software industry and Technology sector, PBT Holdings's ROE % distribution charts can be found below:
* The bar in red indicates where PBT Holdings'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 (Sep. 2025) net income data.
ROE % is displayed in the 30-year financial page.
PBT Holdings (JSE:PBT) has a ROE % of 27.96% as of Sep. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on PBT Holdings and its competitors. This is 70% above median its historical median of 16.49. According to the industry distribution chart, PBT Holdings ranks #287 out of 2678 companies in the Software industry, placing it in the top 10.7%.
Is PBT Holdings' ROE % too high?
PBT Holdings' current ROE % of 27.96% is 70% above median its 10-year median of 16.49. The Software industry median ROE % is 4.69. PBT Holdings' value of 27.96% is 496.8% above this industry median. Based on the distribution chart, PBT Holdings ranks #287 out of 2678 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, PBT Holdings has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PBT Holdings' ROE % compare to IBM and ACN?
According to the Software industry distribution chart, PBT Holdings ranks #287 out of 2678 companies for ROE %. This places PBT Holdings in the top 11% of its industry — outperforming the majority of peers. The industry median ROE % is 4.69. PBT Holdings' value of 27.96% is 496.8% above this benchmark. While the company's 10-year median is 16.49 vs. the industry median of 4.69, PBT Holdings 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 Software company?
The median ROE % among Software companies is 4.69, based on 2,678 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. PBT Holdings's current ROE % of 27.96% is 496.8% 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 PBT Holdings and its competitors. For the Software industry, the median ROE % is 4.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PBT Holdings's current ROE % is 27.96%, which is 70% above median its own 10-year median of 16.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PBT Holdings stock overvalued right now?
Based on GuruFocus' analysis, PBT Holdings (JSE:PBT) is currently considered Fairly Valued. The stock's GF Value™ is R6.96, compared to a current price of R6.71 — trading 3.6% below its estimated fair value. The current ROE % is 27.96%, which is 70% above median its 10-year median of 16.49 and 496.8% above the Software industry median of 4.69. PBT Holdings' overall GF Score™ is 74/100 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 PBT Holdings (JSE:PBT), the current ROE % is 27.96% as of Sep. 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 PBT Holdings (JSE:PBT) Overvalued in 2026?
Based on GuruFocus' analysis, PBT Holdings stock appears to be undervalued.
The current stock price of R6.71 is trading 3.6% below its estimated GF Value™ of R6.96.
GuruFocus considers PBT Holdings to be Fairly Valued.
Key valuation signals for JSE:PBT:
ROE %: 27.96% (70% above median its 10-year median of 16.49)
GF Value™: R6.96 vs. price of R6.71 (3.6% below fair value)
Industry Position: 496.8% above the Software median (#287 of 2678)
No single metric tells the full story. See the JSE:PBT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PBT Holdings Ltd, formerly known as PBT Group Ltd, is a South African-based company that offers information management and data analytics services. It serves finance, insurance, telecommunications, retail, petroleum and medical healthcare industries. The services provided by the company include data engineering, analytics and visualization, artificial intelligence, managed solutions, advisory and strategic services, application development and others. Its operating segments are based on geographical locations namely South Africa, Europe and the United Kingdom. The segment includes consulting and implementation of data, management information software and healthcare administration services provided in the Republic of South Africa, Europe, the United Kingdom, and also Australia.
74GF Score
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