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Systex FintechROCO:7819 -0.83%23 ROE % is 12.45% as of Dec. 2025, which is 13% below its 10-year median of 14.25. GuruFocus rates ROCO:7819 with a GF Score™ of 23/100. The stock has 3 warning signs investors should review. Among 2,687 Software companies, Systex Fintech ranks better than 57.2% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Systex Fintech's annualized net income for the quarter that ended in Dec. 2025 was NT$56.3 Mil. Systex Fintech's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was NT$452.3 Mil. Therefore, Systex Fintech's annualized ROE % for the quarter that ended in Dec. 2025 was 12.45%.
The historical rank and industry rank for Systex Fintech's ROE % or its related term are showing as below:
ROCO:7819'
s ROE % Range Over the Past 10 Years
Min: 7.48 Med: 14.25 Max: 20.7
Current: 7.48
During the past 3 years, Systex Fintech's highest ROE % was 20.70%. The lowest was 7.48%. And the median was 14.25%.
ROCO:7819's ROE % is ranked better than 57.2% of 2687
companies
in the Software industry
Industry Median: 4.74
vs ROCO:7819: 7.48
Systex Fintech (ROCO:7819) 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 four times the quarterly (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (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.
Systex Fintech ROE % Related Terms
Systex Fintech ROE % Historical Data
* Premium members only.
The historical data trend for Systex 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 Software - Infrastructure subindustry, Systex 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.
Systex Fintech ROE % vs Software Industry
For the Software industry and Technology sector, Systex Fintech's ROE % distribution charts can be found below:
* The bar in red indicates where Systex 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 four times the quarterly (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Systex Fintech (ROCO:7819) has a ROE % of 12.45% 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 Systex Fintech and its competitors. This is 13% below median its historical median of 14.25. Over the past decade, Systex Fintech's ROE % has ranged from 7.48 to 20.70. According to the industry distribution chart, Systex Fintech ranks #1150 out of 2687 companies in the Software industry, placing it in the top 42.8%.
Is Systex Fintech's ROE % too high?
Systex Fintech's current ROE % of 12.45% is 13% below median its 10-year median of 14.25. Over the past 10 years, this metric has ranged from a low of 7.48 to a high of 20.70. The Software industry median ROE % is 4.74. Systex Fintech's value of 12.45% is 162.7% above this industry median. Based on the distribution chart, Systex Fintech ranks #1150 out of 2687 companies in the Software industry, which is above the industry midpoint. Overall, Systex Fintech has a GF Score™ of 23/100, reflecting its overall financial health beyond just this single metric.
How does Systex Fintech's ROE % compare to MSFT and ORCL?
According to the Software industry distribution chart, Systex Fintech ranks #1150 out of 2687 companies for ROE %. This puts Systex Fintech in the upper half of its industry. The industry median ROE % is 4.74. Systex Fintech's value of 12.45% is 162.7% above this benchmark. Historically, Systex Fintech's own ROE % has ranged from 7.48 to 20.70 over the past decade. While the company's 10-year median is 14.25 vs. the industry median of 4.74, Systex Fintech 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 4.74, based on 2,687 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. Systex Fintech's current ROE % of 12.45% is 162.7% 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 Systex Fintech and its competitors. For the Software industry, the median ROE % is 4.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Systex Fintech's current ROE % is 12.45%, which is 13% below median its own 10-year median of 14.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Systex Fintech stock overvalued right now?
Systex Fintech (ROCO:7819) has a current ROE % of 12.45%. The current ROE % is 12.45%, which is 13% below median its 10-year median of 14.25 and 162.7% above the Software industry median of 4.74. Systex Fintech'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 Systex Fintech (ROCO:7819), the current ROE % is 12.45% 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.
Systex Fintech Corp. is a financial technology company that delivers tailored solutions for the financial services industry. The products and services of the company include credit cards, virtual accounts, overseas receipts, electronic signature systems, and others.
23GF Score
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