The historical rank and industry rank for GMO Payment Gateway's ROE % or its related term are showing as below:
STU:3RH'
s ROE % Range Over the Past 10 Years
Min: 12.87 Med: 19.66 Max: 33.79
Current: 21.69
During the past 13 years, GMO Payment Gateway's highest ROE % was 33.79%. The lowest was 12.87%. And the median was 19.66%.
STU:3RH's ROE % is ranked better than 84% of 2682
companies
in the Software industry
Industry Median: 4.72
vs STU:3RH: 21.69
GMO Payment Gateway (STU:3RH) 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 (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 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.
GMO Payment Gateway ROE % Related Terms
GMO Payment Gateway ROE % Historical Data
* Premium members only.
The historical data trend for GMO Payment Gateway'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, GMO Payment Gateway'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.
GMO Payment Gateway ROE % vs Software Industry
For the Software industry and Technology sector, GMO Payment Gateway's ROE % distribution charts can be found below:
* The bar in red indicates where GMO Payment Gateway'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 (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
GMO Payment Gateway (STU:3RH) has a ROE % of 24.19% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on GMO Payment Gateway and its competitors. This is 23% above median its historical median of 19.66. Over the past decade, GMO Payment Gateway's ROE % has ranged from 12.87 to 33.79. According to the industry distribution chart, GMO Payment Gateway ranks #429 out of 2682 companies in the Software industry, placing it in the top 16%.
Is GMO Payment Gateway's ROE % too high?
GMO Payment Gateway's current ROE % of 24.19% is 23% above median its 10-year median of 19.66. Over the past 10 years, this metric has ranged from a low of 12.87 to a high of 33.79. The Software industry median ROE % is 4.72. GMO Payment Gateway's value of 24.19% is 412.5% above this industry median. Based on the distribution chart, GMO Payment Gateway ranks #429 out of 2682 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, GMO Payment Gateway has a GF Score™ of 93/100, reflecting its overall financial health beyond just this single metric.
How does GMO Payment Gateway's ROE % compare to MSFT and ORCL?
According to the Software industry distribution chart, GMO Payment Gateway ranks #429 out of 2682 companies for ROE %. This places GMO Payment Gateway in the top 16% of its industry — outperforming the majority of peers. The industry median ROE % is 4.72. GMO Payment Gateway's value of 24.19% is 412.5% above this benchmark. Historically, GMO Payment Gateway's own ROE % has ranged from 12.87 to 33.79 over the past decade. While the company's 10-year median is 19.66 vs. the industry median of 4.72, GMO Payment Gateway 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 4.72, based on 2,682 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. GMO Payment Gateway's current ROE % of 24.19% is 412.5% 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 GMO Payment Gateway and its competitors. For the Software industry, the median ROE % is 4.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GMO Payment Gateway's current ROE % is 24.19%, which is 23% above median its own 10-year median of 19.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is GMO Payment Gateway stock overvalued right now?
GMO Payment Gateway (STU:3RH) has a current ROE % of 24.19%. The stock's GF Value™ is €58.41, compared to a current price of €48.20 — trading 17.5% below its estimated fair value. The current ROE % is 24.19%, which is 23% above median its 10-year median of 19.66 and 412.5% above the Software industry median of 4.72. GMO Payment Gateway's overall GF Score™ is 93/100 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 GMO Payment Gateway (STU:3RH), the current ROE % is 24.19% as of Mar. 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 GMO Payment Gateway (STU:3RH) Overvalued in 2026?
Based on GuruFocus' analysis, GMO Payment Gateway stock appears to be undervalued.
The current stock price of €48.20 is trading 17.5% below its estimated GF Value™ of €58.41.
Key valuation signals for STU:3RH:
ROE %: 24.19% (23% above median its 10-year median of 19.66)
GF Value™: €58.41 vs. price of €48.20 (17.5% below fair value)
Industry Position: 412.5% above the Software median (#429 of 2682)
No single metric tells the full story. See the STU:3RH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
GMO Payment Gateway is a major Japanese provider of cashless and online payment infrastructure, serving many sectors including digital content and telecommunications, utilities, retail and hospitality, financial services, healthcare, and education. It serves a wide array of clients, from government agencies and municipalities to enterprises and merchants, across online and offline channels, including e-commerce platforms, physical stores, and unattended machines. Its services encompass payment processing, settlement solutions, and ancillary offerings such as early or deferred settlement services, transaction lending, buy now, pay later, online advertising, and internet security. GMO is expanding into adjacent financial technology operations, and gradually across Asia and North America.
93GF Score
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