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Weaver FintechJSE:WVR +1.15%77 ROE % is 5.15% as of Dec. 2025, which is 52% below its 10-year median of 10.62. GuruFocus rates JSE:WVR with a GF Score™ of 77/100 and a GF Value™ of R39.71 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,094 Retail - Cyclical companies, Weaver Fintech ranks better than 61.52% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Weaver Fintech's annualized net income for the quarter that ended in Dec. 2025 was R208 Mil. Weaver Fintech's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was R4,035 Mil. Therefore, Weaver Fintech's annualized ROE % for the quarter that ended in Dec. 2025 was 5.15%.
The historical rank and industry rank for Weaver Fintech's ROE % or its related term are showing as below:
JSE:WVR'
s ROE % Range Over the Past 10 Years
Min: 5.24 Med: 10.62 Max: 23.38
Current: 10.15
During the past 13 years, Weaver Fintech's highest ROE % was 23.38%. The lowest was 5.24%. And the median was 10.62%.
JSE:WVR's ROE % is ranked better than 61.52% of 1094
companies
in the Retail - Cyclical industry
Industry Median: 6.505
vs JSE:WVR: 10.15
Weaver Fintech (JSE:WVR) 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.
Weaver Fintech ROE % Related Terms
Weaver Fintech ROE % Historical Data
* Premium members only.
The historical data trend for Weaver Fintech'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 Specialty Retail subindustry, Weaver Fintech'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.
Weaver Fintech ROE % vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Weaver Fintech's ROE % distribution charts can be found below:
* The bar in red indicates where Weaver Fintech'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.
Weaver Fintech (JSE:WVR) has a ROE % of 5.15% 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 Weaver Fintech and its competitors. This is 52% below median its historical median of 10.62. Over the past decade, Weaver Fintech's ROE % has ranged from 5.24 to 23.38. According to the industry distribution chart, Weaver Fintech ranks #421 out of 1094 companies in the Retail - Cyclical industry, placing it in the top 38.5%.
Is Weaver Fintech's ROE % too high?
Weaver Fintech's current ROE % of 5.15% is 52% below median its 10-year median of 10.62. Over the past 10 years, this metric has ranged from a low of 5.24 to a high of 23.38. The Retail - Cyclical industry median ROE % is 6.51. Weaver Fintech's value of 5.15% is 20.8% below this industry median. Based on the distribution chart, Weaver Fintech ranks #421 out of 1094 companies in the Retail - Cyclical industry, which is above the industry midpoint. Overall, Weaver Fintech has a GF Score™ of 77/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Weaver Fintech's ROE % compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Weaver Fintech ranks #421 out of 1094 companies for ROE %. This puts Weaver Fintech in the upper half of its industry. The industry median ROE % is 6.51. Weaver Fintech's value of 5.15% is 20.8% below this benchmark. Historically, Weaver Fintech's own ROE % has ranged from 5.24 to 23.38 over the past decade. While the company's 10-year median is 10.62 vs. the industry median of 6.51, Weaver Fintech 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 Retail - Cyclical company?
The median ROE % among Retail - Cyclical companies is 6.51, based on 1,094 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. Weaver Fintech's current ROE % of 5.15% is 20.8% 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 Weaver Fintech and its competitors. For the Retail - Cyclical industry, the median ROE % is 6.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Weaver Fintech's current ROE % is 5.15%, which is 52% below median its own 10-year median of 10.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Weaver Fintech stock overvalued right now?
Based on GuruFocus' analysis, Weaver Fintech (JSE:WVR) is currently considered Significantly Overvalued. The stock's GF Value™ is R39.71, compared to a current price of R54.56 — trading 37.4% above its estimated fair value. The current ROE % is 5.15%, which is 52% below median its 10-year median of 10.62 and 20.8% below the Retail - Cyclical industry median of 6.51. Weaver Fintech's overall GF Score™ is 77/100 with 4 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 Weaver Fintech (JSE:WVR), the current ROE % is 5.15% 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 Weaver Fintech (JSE:WVR) Overvalued in 2026?
Based on GuruFocus' analysis, Weaver Fintech stock appears to be overvalued.
The current stock price of R54.56 is trading 37.4% above its estimated GF Value™ of R39.71.
GuruFocus considers Weaver Fintech to be Significantly Overvalued.
Key valuation signals for JSE:WVR:
ROE %: 5.15% (52% below median its 10-year median of 10.62)
GF Value™: R39.71 vs. price of R54.56 (37.4% above fair value)
Industry Position: 20.8% below the Retail - Cyclical median (#421 of 1094)
No single metric tells the full story. See the JSE:WVR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Weaver Fintech Ltd is an investment holding company engaged in providing digital financial services and retail solutions. The operating business segments are Fintech, Retail, and Other. The Fintech segment offers digital payment services, lending solutions, and insurance products under the PayJustNow and FinChoice brands. The Retail segment is involved in the sale of homeware products through omni-channel operations under the HomeChoice brand. The Other segment includes group costs and related activities. It generates the majority of its revenue from the Fintech segment.
77GF Score
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