Raffles EducationRFLFF 42 ROE % is 1.17% as of Dec. 2025, which is 16% below its 10-year median of 1.39. GuruFocus rates RFLFF with a GF Score™ of 42/100 and a GF Value™ of $0.02. The stock has 6 warning signs investors should review. Among 263 Education companies, Raffles Education ranks worse than 68.82% on this metric.
The historical rank and industry rank for Raffles Education's ROE % or its related term are showing as below:
RFLFF'
s ROE % Range Over the Past 10 Years
Min: -3.24 Med: 1.39 Max: 6.4
Current: 0.57
During the past 13 years, Raffles Education's highest ROE % was 6.40%. The lowest was -3.24%. And the median was 1.39%.
RFLFF's ROE % is ranked worse than 68.82% of 263
companies
in the Education industry
Industry Median: 7.31
vs RFLFF: 0.57
Raffles Education (OTCPK:RFLFF) 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.
Raffles Education ROE % Related Terms
Raffles Education ROE % Historical Data
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The historical data trend for Raffles Education'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 Education & Training Services subindustry, Raffles Education'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.
Raffles Education ROE % vs Education Industry
For the Education industry and Consumer Defensive sector, Raffles Education's ROE % distribution charts can be found below:
* The bar in red indicates where Raffles Education'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.
Raffles Education (RFLFF) has a ROE % of 1.17% 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 Raffles Education and its competitors. This is 16% below median its historical median of 1.39. According to the industry distribution chart, Raffles Education ranks #181 out of 263 companies in the Education industry, placing it in the top 68.8%.
Is Raffles Education's ROE % too high?
Raffles Education's current ROE % of 1.17% is 16% below median its 10-year median of 1.39. The Education industry median ROE % is 7.31. Raffles Education's value of 1.17% is 84% below this industry median. Based on the distribution chart, Raffles Education ranks #181 out of 263 companies in the Education industry, which is below the industry midpoint. Overall, Raffles Education has a GF Score™ of 42/100, reflecting its overall financial health beyond just this single metric.
How does Raffles Education's ROE % compare to EDU and TAL?
According to the Education industry distribution chart, Raffles Education ranks #181 out of 263 companies for ROE %. This places Raffles Education in the lower half of its industry. The industry median ROE % is 7.31. Raffles Education's value of 1.17% is 84% below this benchmark. While the company's 10-year median is 1.39 vs. the industry median of 7.31, Raffles Education 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 an Education company?
The median ROE % among Education companies is 7.31, based on 263 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. Raffles Education's current ROE % of 1.17% is 84% 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 Raffles Education and its competitors. For the Education industry, the median ROE % is 7.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Raffles Education's current ROE % is 1.17%, which is 16% below median its own 10-year median of 1.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raffles Education stock overvalued right now?
Raffles Education (RFLFF) has a current ROE % of 1.17%. The stock's GF Value™ is $0.02, compared to a current price of $0.05 — trading 140.2% above its estimated fair value. The current ROE % is 1.17%, which is 16% below median its 10-year median of 1.39 and 84% below the Education industry median of 7.31. Raffles Education's overall GF Score™ is 42/100 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 Raffles Education (RFLFF), the current ROE % is 1.17% 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 Raffles Education (RFLFF) Overvalued in 2026?
Based on GuruFocus' analysis, Raffles Education stock appears to be overvalued.
The current stock price of $0.05 is trading 140.2% above its estimated GF Value™ of $0.02.
Key valuation signals for RFLFF:
ROE %: 1.17% (16% below median its 10-year median of 1.39)
GF Value™: $0.02 vs. price of $0.05 (140.2% above fair value)
Industry Position: 84% below the Education median (#181 of 263)
No single metric tells the full story. See the RFLFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Raffles Education Ltd operates as an investment holding company, which engages in providing business and management consultancy services. It operates through the following business segments: Education, Education Facilities Rental Service, Real Estate Investment and Development, and Corporate and Others. The Education segment offers students a range of degrees, diploma and full-time certification programmes in design and business-oriented disciplines at the post-secondary level. The Education Facilities Rental Service segment refers to the OUCHK engaging in education facilities leasing and commercial leasing for supporting facilities. The Real Estate Investment and Development segment participates in real estate investments and development.
42GF Score
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