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ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Alisa Bank's annualized net income for the quarter that ended in Dec. 2025 was €-0.95 Mil. Alisa Bank's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was €34.87 Mil. Therefore, Alisa Bank's annualized ROE % for the quarter that ended in Dec. 2025 was -2.74%.
The historical rank and industry rank for Alisa Bank's ROE % or its related term are showing as below:
OHEL:ALISA'
s ROE % Range Over the Past 10 Years
Min: -56.04 Med: 7 Max: 25.39
Current: -5.94
During the past 13 years, Alisa Bank's highest ROE % was 25.39%. The lowest was -56.04%. And the median was 7.00%.
OHEL:ALISA's ROE % is ranked worse than 97.51% of 1525
companies
in the Banks industry
Industry Median: 10.23
vs OHEL:ALISA: -5.94
Alisa Bank (OHEL:ALISA) 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.
Alisa Bank ROE % Related Terms
Alisa Bank ROE % Historical Data
* Premium members only.
The historical data trend for Alisa Bank'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 Banks - Regional subindustry, Alisa Bank'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.
Alisa Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Alisa Bank's ROE % distribution charts can be found below:
* The bar in red indicates where Alisa Bank'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.
Alisa Bank (OHEL:ALISA) has a ROE % of -2.74% 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 Alisa Bank and its competitors. According to the industry distribution chart, Alisa Bank ranks #1487 out of 1525 companies in the Banks industry, placing it in the top 97.5%.
Is Alisa Bank's ROE % too high?
Alisa Bank's current ROE % is -2.74%. Based on the distribution chart, Alisa Bank ranks #1487 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Alisa Bank has a GF Score™ of 23/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Alisa Bank's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Alisa Bank ranks #1487 out of 1525 companies for ROE %. This places Alisa Bank in the lower half of its industry. The industry median ROE % is 10.23. 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 10.23, based on 1,525 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. 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 Alisa Bank and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alisa Bank's current ROE % is -2.74%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Alisa Bank stock overvalued right now?
Based on GuruFocus' analysis, Alisa Bank (OHEL:ALISA) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.11, compared to a current price of €0.12 — trading 12.7% above its estimated fair value. The current ROE % is -2.74%. Alisa Bank's overall GF Score™ is 23/100 with 3 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 Alisa Bank (OHEL:ALISA), the current ROE % is -2.74% 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 Alisa Bank (OHEL:ALISA) Overvalued in 2026?
Based on GuruFocus' analysis, Alisa Bank stock appears to be overvalued.
The current stock price of €0.12 is trading 12.7% above its estimated GF Value™ of €0.11.
GuruFocus considers Alisa Bank to be Modestly Overvalued.
Key valuation signals for OHEL:ALISA:
ROE %: -2.74%
GF Value™: €0.11 vs. price of €0.12 (12.7% above fair value)
No single metric tells the full story. See the OHEL:ALISA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Alisa Bank PLC is a financial technology company that provides seamless banking services through digital channels. It serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. The company offers integrated banking services in the channels where customers carry out their daily business.
23GF Score
Get the complete analysis for OHEL:ALISA
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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