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Hagar hfOISE:HAGA -0.41%82 ROE % is 18.82% as of Feb. 2026, which is 14% above its 10-year median of 16.56. GuruFocus rates OISE:HAGA with a GF Score™ of 82/100 and a GF Value™ of kr88.70 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 303 Retail - Defensive companies, Hagar hf ranks better than 77.56% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Hagar hf's annualized net income for the quarter that ended in Feb. 2026 was kr7,924 Mil. Hagar hf's average Total Stockholders Equity over the quarter that ended in Feb. 2026 was kr42,108 Mil. Therefore, Hagar hf's annualized ROE % for the quarter that ended in Feb. 2026 was 18.82%.
The historical rank and industry rank for Hagar hf's ROE % or its related term are showing as below:
OISE:HAGA'
s ROE % Range Over the Past 10 Years
Min: 10.13 Med: 16.56 Max: 23.9
Current: 18.32
During the past 13 years, Hagar hf's highest ROE % was 23.90%. The lowest was 10.13%. And the median was 16.56%.
OISE:HAGA's ROE % is ranked better than 77.56% of 303
companies
in the Retail - Defensive industry
Industry Median: 8.38
vs OISE:HAGA: 18.32
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 four times the quarterly (Feb. 2026) net income data. The Revenue data used here is four times the quarterly (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.
Hagar hf ROE % Related Terms
Hagar hf ROE % Historical Data
* Premium members only.
The historical data trend for Hagar hf'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 Grocery Stores subindustry, Hagar hf'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.
Hagar hf ROE % vs Retail - Defensive Industry
For the Retail - Defensive industry and Consumer Defensive sector, Hagar hf's ROE % distribution charts can be found below:
* The bar in red indicates where Hagar hf'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 four times the quarterly (Feb. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Hagar hf (OISE:HAGA) has a ROE % of 18.82% 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 Hagar hf and its competitors. This is 14% above median its historical median of 16.56. Over the past decade, Hagar hf's ROE % has ranged from 10.13 to 23.90. According to the industry distribution chart, Hagar hf ranks #68 out of 303 companies in the Retail - Defensive industry, placing it in the top 22.4%.
Is Hagar hf's ROE % too high?
Hagar hf's current ROE % of 18.82% is 14% above median its 10-year median of 16.56. Over the past 10 years, this metric has ranged from a low of 10.13 to a high of 23.90. The Retail - Defensive industry median ROE % is 8.38. Hagar hf's value of 18.82% is 124.6% above this industry median. Based on the distribution chart, Hagar hf ranks #68 out of 303 companies in the Retail - Defensive industry, which is in the top quartile — a strong position relative to peers. Overall, Hagar hf has a GF Score™ of 82/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hagar hf's ROE % compare to KR and SFM?
According to the Retail - Defensive industry distribution chart, Hagar hf ranks #68 out of 303 companies for ROE %. This places Hagar hf in the top 22% of its industry — outperforming the majority of peers. The industry median ROE % is 8.38. Hagar hf's value of 18.82% is 124.6% above this benchmark. Historically, Hagar hf's own ROE % has ranged from 10.13 to 23.90 over the past decade. While the company's 10-year median is 16.56 vs. the industry median of 8.38, Hagar hf 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 Retail - Defensive company?
The median ROE % among Retail - Defensive companies is 8.38, based on 303 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. Hagar hf's current ROE % of 18.82% is 124.6% 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 Hagar hf and its competitors. For the Retail - Defensive industry, the median ROE % is 8.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hagar hf's current ROE % is 18.82%, which is 14% above median its own 10-year median of 16.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hagar hf stock overvalued right now?
Based on GuruFocus' analysis, Hagar hf (OISE:HAGA) is currently considered Significantly Overvalued. The stock's GF Value™ is kr88.70, compared to a current price of kr122.50 — trading 38.1% above its estimated fair value. The current ROE % is 18.82%, which is 14% above median its 10-year median of 16.56 and 124.6% above the Retail - Defensive industry median of 8.38. Hagar hf's overall GF Score™ is 82/100 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 Hagar hf (OISE:HAGA), the current ROE % is 18.82% 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 Hagar hf (OISE:HAGA) Overvalued in 2026?
Based on GuruFocus' analysis, Hagar hf stock appears to be overvalued.
The current stock price of kr122.50 is trading 38.1% above its estimated GF Value™ of kr88.70.
GuruFocus considers Hagar hf to be Significantly Overvalued.
Key valuation signals for OISE:HAGA:
ROE %: 18.82% (14% above median its 10-year median of 16.56)
GF Value™: kr88.70 vs. price of kr122.50 (38.1% above fair value)
Industry Position: 124.6% above the Retail - Defensive median (#68 of 303)
No single metric tells the full story. See the OISE:HAGA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hagar hf is a retail company with operations in Iceland, the Faroe Islands, and the Netherlands, mainly in the grocery and fuel markets. It operates grocery stores, Olis service stations, OB stations, warehouses, one production facility, one online store with packaged food, one supply store, and one specialty store. The group's core business in Iceland is in the grocery and related warehouse sectors, as well as fuel sales. In the Faroe Islands, it operates the SMS retail company, which operates, among other things, various grocery stores, restaurants, and specialty stores. In the Netherlands, Hagar operates one online store with alcohol. The group's operating segments are stores and warehouses in Iceland, which generate maximum revenue, stores and warehouses in the Faroe Islands, and Olis.
82GF Score
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