Yunfeng Financial GroupYNFGF 62 ROE % is 2.86% as of Dec. 2025, which is 9% below its 10-year median of 3.13. GuruFocus rates YNFGF with a GF Score™ of 62/100 and a GF Value™ of $0.69. The stock has 2 warning signs investors should review. Among 505 Insurance companies, Yunfeng Financial Group ranks worse than 75.64% on this metric.
The historical rank and industry rank for Yunfeng Financial Group's ROE % or its related term are showing as below:
YNFGF'
s ROE % Range Over the Past 10 Years
Min: -8.83 Med: 3.13 Max: 5.8
Current: 5.8
During the past 13 years, Yunfeng Financial Group's highest ROE % was 5.80%. The lowest was -8.83%. And the median was 3.13%.
YNFGF's ROE % is ranked worse than 75.64% of 505
companies
in the Insurance industry
Industry Median: 11.77
vs YNFGF: 5.80
Yunfeng Financial Group (OTCPK:YNFGF) 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.
* 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 Insurance - Life subindustry, Yunfeng Financial Group'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.
Yunfeng Financial Group ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Yunfeng Financial Group's ROE % distribution charts can be found below:
* The bar in red indicates where Yunfeng Financial Group'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.
Yunfeng Financial Group (YNFGF) has a ROE % of 2.86% 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 Yunfeng Financial Group and its competitors. This is near median its historical median of 3.13. According to the industry distribution chart, Yunfeng Financial Group ranks #382 out of 505 companies in the Insurance industry, placing it in the top 75.6%.
Is Yunfeng Financial Group's ROE % too high?
Yunfeng Financial Group's current ROE % of 2.86% is near median its 10-year median of 3.13. The Insurance industry median ROE % is 11.77. Yunfeng Financial Group's value of 2.86% is 75.7% below this industry median. Based on the distribution chart, Yunfeng Financial Group ranks #382 out of 505 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Yunfeng Financial Group has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does Yunfeng Financial Group's ROE % compare to AFL and MET?
According to the Insurance industry distribution chart, Yunfeng Financial Group ranks #382 out of 505 companies for ROE %. This places Yunfeng Financial Group in the lower half of its industry. The industry median ROE % is 11.77. Yunfeng Financial Group's value of 2.86% is 75.7% below this benchmark. While the company's 10-year median is 3.13 vs. the industry median of 11.77, Yunfeng Financial Group 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 Insurance company?
The median ROE % among Insurance companies is 11.77, based on 505 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. Yunfeng Financial Group's current ROE % of 2.86% is 75.7% 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 Yunfeng Financial Group and its competitors. For the Insurance industry, the median ROE % is 11.77 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yunfeng Financial Group's current ROE % is 2.86%, which is near median its own 10-year median of 3.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yunfeng Financial Group stock overvalued right now?
Yunfeng Financial Group (YNFGF) has a current ROE % of 2.86%. The stock's GF Value™ is $0.69, compared to a current price of $0.52 — trading 25.4% below its estimated fair value. The current ROE % is 2.86%, which is near median its 10-year median of 3.13 and 75.7% below the Insurance industry median of 11.77. Yunfeng Financial Group's overall GF Score™ is 62/100 with 2 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 Yunfeng Financial Group (YNFGF), the current ROE % is 2.86% 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 Yunfeng Financial Group (YNFGF) Overvalued in 2026?
Based on GuruFocus' analysis, Yunfeng Financial Group stock appears to be undervalued.
The current stock price of $0.52 is trading 25.4% below its estimated GF Value™ of $0.69.
Key valuation signals for YNFGF:
ROE %: 2.86% (near median its 10-year median of 3.13)
GF Value™: $0.69 vs. price of $0.52 (25.4% below fair value)
Industry Position: 75.7% below the Insurance median (#382 of 505)
No single metric tells the full story. See the YNFGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Yunfeng Financial Group Ltd is an investment holding company that provides security trading, advisory, and asset management services. The company operates through two operating segments: Insurance business, which engages in the writing of long-term assurance business; and Other financial services & corporate, which includes Securities brokerage, Wealth management, Principal investment, Consultancy & advisory services, Financial technology activities, and Corporate service. The company's revenue is derived from the Insurance business. The group's operations are in Hong Kong and Macao generating key revenue from Hong Kong region.
62GF Score
Get the complete analysis for YNFGF
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
YNFGF has been successfully added to your 
