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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.
* 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, Menif Financial Services'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.
Menif Financial Services ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Menif Financial Services's ROE % distribution charts can be found below:
* The bar in red indicates where Menif Financial Services'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.
Menif Financial Services (XTAE:MNIF) has a ROE % of 28.89% 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 Menif Financial Services and its competitors. This is near median its historical median of 29.88. Over the past decade, Menif Financial Services' ROE % has ranged from 5.36 to 61.58. According to the industry distribution chart, Menif Financial Services ranks #36 out of 530 companies in the Credit Services industry, placing it in the top 6.8%.
Is Menif Financial Services' ROE % too high?
Menif Financial Services' current ROE % of 28.89% is near median its 10-year median of 29.88. Over the past 10 years, this metric has ranged from a low of 5.36 to a high of 61.58. The Credit Services industry median ROE % is 6.61. Menif Financial Services' value of 28.89% is 337.1% above this industry median. Based on the distribution chart, Menif Financial Services ranks #36 out of 530 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Menif Financial Services has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Menif Financial Services' ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Menif Financial Services ranks #36 out of 530 companies for ROE %. This places Menif Financial Services in the top 7% of its industry — outperforming the majority of peers. The industry median ROE % is 6.61. Menif Financial Services' value of 28.89% is 337.1% above this benchmark. Historically, Menif Financial Services' own ROE % has ranged from 5.36 to 61.58 over the past decade. While the company's 10-year median is 29.88 vs. the industry median of 6.61, Menif Financial Services 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 Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 530 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. Menif Financial Services's current ROE % of 28.89% is 337.1% 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 Menif Financial Services and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Menif Financial Services's current ROE % is 28.89%, which is near median its own 10-year median of 29.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Menif Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Menif Financial Services (XTAE:MNIF) is currently considered Fairly Valued. The stock's GF Value™ is ₪23.12, compared to a current price of ₪23.98 — trading 3.7% above its estimated fair value. The current ROE % is 28.89%, which is near median its 10-year median of 29.88 and 337.1% above the Credit Services industry median of 6.61. Menif Financial Services' overall GF Score™ is 88/100 with 4 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 Menif Financial Services (XTAE:MNIF), the current ROE % is 28.89% 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 Menif Financial Services (XTAE:MNIF) Overvalued in 2026?
Based on GuruFocus' analysis, Menif Financial Services stock appears to be overvalued.
The current stock price of ₪23.98 is trading 3.7% above its estimated GF Value™ of ₪23.12.
GuruFocus considers Menif Financial Services to be Fairly Valued.
Key valuation signals for XTAE:MNIF:
ROE %: 28.89% (near median its 10-year median of 29.88)
GF Value™: ₪23.12 vs. price of ₪23.98 (3.7% above fair value)
Industry Position: 337.1% above the Credit Services median (#36 of 530)
No single metric tells the full story. See the XTAE:MNIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Menif Financial Services Ltd is engaged in providing mezzanine financing for equity to promoters and contractors in the construction industry. It offers financing for reinforcement and construction projects, small construction evacuation projects, and large-scale construction evacuation projects.
88GF Score
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