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Ricoh Leasing CoTSE:8566 -2.53%74 ROE % is 4.48% as of Mar. 2026, which is 35% below its 10-year median of 6.87. GuruFocus rates TSE:8566 with a GF Score™ of 74/100 and a GF Value™ of 円5,874.34 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 531 Credit Services companies, Ricoh Leasing Co ranks worse than 54.99% on this metric.
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.
Ricoh Leasing Co ROE % Related Terms
Ricoh Leasing Co ROE % Historical Data
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The historical data trend for Ricoh Leasing Co'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 Credit Services subindustry, Ricoh Leasing Co'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.
Ricoh Leasing Co ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ricoh Leasing Co's ROE % distribution charts can be found below:
* The bar in red indicates where Ricoh Leasing Co'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.
Ricoh Leasing Co (TSE:8566) has a ROE % of 4.48% 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 Ricoh Leasing Co and its competitors. This is 35% below median its historical median of 6.87. Over the past decade, Ricoh Leasing Co's ROE % has ranged from 5.20 to 7.84. According to the industry distribution chart, Ricoh Leasing Co ranks #292 out of 531 companies in the Credit Services industry, placing it in the top 55%.
Is Ricoh Leasing Co's ROE % too high?
Ricoh Leasing Co's current ROE % of 4.48% is 35% below median its 10-year median of 6.87. Over the past 10 years, this metric has ranged from a low of 5.20 to a high of 7.84. The Credit Services industry median ROE % is 6.67. Ricoh Leasing Co's value of 4.48% is 32.8% below this industry median. Based on the distribution chart, Ricoh Leasing Co ranks #292 out of 531 companies in the Credit Services industry, which is below the industry midpoint. Overall, Ricoh Leasing Co has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ricoh Leasing Co's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Ricoh Leasing Co ranks #292 out of 531 companies for ROE %. This places Ricoh Leasing Co in the lower half of its industry. The industry median ROE % is 6.67. Ricoh Leasing Co's value of 4.48% is 32.8% below this benchmark. Historically, Ricoh Leasing Co's own ROE % has ranged from 5.20 to 7.84 over the past decade. While the company's 10-year median is 6.87 vs. the industry median of 6.67, Ricoh Leasing Co 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 a Credit Services company?
The median ROE % among Credit Services companies is 6.67, based on 531 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. Ricoh Leasing Co's current ROE % of 4.48% is 32.8% 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 Ricoh Leasing Co and its competitors. For the Credit Services industry, the median ROE % is 6.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ricoh Leasing Co's current ROE % is 4.48%, which is 35% below median its own 10-year median of 6.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ricoh Leasing Co stock overvalued right now?
Based on GuruFocus' analysis, Ricoh Leasing Co (TSE:8566) is currently considered Modestly Overvalued. The stock's GF Value™ is 円5,874.34, compared to a current price of 円6,550.00 — trading 11.5% above its estimated fair value. The current ROE % is 4.48%, which is 35% below median its 10-year median of 6.87 and 32.8% below the Credit Services industry median of 6.67. Ricoh Leasing Co's overall GF Score™ is 74/100 with 7 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 Ricoh Leasing Co (TSE:8566), the current ROE % is 4.48% 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 Ricoh Leasing Co (TSE:8566) Overvalued in 2026?
Based on GuruFocus' analysis, Ricoh Leasing Co stock appears to be overvalued.
The current stock price of 円6,550.00 is trading 11.5% above its estimated GF Value™ of 円5,874.34.
GuruFocus considers Ricoh Leasing Co to be Modestly Overvalued.
Key valuation signals for TSE:8566:
ROE %: 4.48% (35% below median its 10-year median of 6.87)
GF Value™: 円5,874.34 vs. price of 円6,550.00 (11.5% above fair value)
Industry Position: 32.8% below the Credit Services median (#292 of 531)
No single metric tells the full story. See the TSE:8566 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ricoh Leasing Co Ltd has two primary businesses: lease and installments, and financial services. The lease and installments business, which accounts for the vast majority of the company's revenue, provides business leasing, rental, installment, and credit products for business equipment, information-related equipment, medical equipment, and environment-related equipment. In the financial-services business, Ricoh provides loans to individuals, doctors, and corporations. It also serves as an agent to collect accounts receivable and provide billing services, and it has a credit card business and an asset-management service.
74GF Score
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