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Austriacard Holdings AGATH:ACAG -0.10%89 Return-on-Tangible-Asset is 9.03% as of Dec. 2025, which is 67% above its 10-year median of 5.41. GuruFocus rates ATH:ACAG with a GF Score™ of 89/100 and a GF Value™ of €6.08 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 2,893 Software companies, Austriacard Holdings AG ranks better than 62.12% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Austriacard Holdings AG's annualizedNet Income for the quarter that ended in Dec. 2025 was €24.3 Mil. Austriacard Holdings AG's average total tangible assets for the quarter that ended in Dec. 2025 was €268.8 Mil. Therefore, Austriacard Holdings AG's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 9.03%.
The historical rank and industry rank for Austriacard Holdings AG's Return-on-Tangible-Asset or its related term are showing as below:
ATH:ACAG'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.89 Med: 5.41 Max: 7.05
Current: 5.48
During the past 7 years, Austriacard Holdings AG's highest Return-on-Tangible-Asset was 7.05%. The lowest was 0.89%. And the median was 5.41%.
ATH:ACAG's Return-on-Tangible-Asset is ranked better than 62.12% of 2893
companies
in the Software industry
Industry Median: 2.07
vs ATH:ACAG: 5.48
Austriacard Holdings AG (ATH:ACAG) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Austriacard Holdings AG Return-on-Tangible-Asset Related Terms
Austriacard Holdings AG Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Austriacard Holdings AG's Return-on-Tangible-Asset 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.
Austriacard Holdings AG Return-on-Tangible-Asset Chart
ATH:ACAG vs IBM, ACN, FISV: Return-on-Tangible-Asset Comparison
For the Information Technology Services subindustry, Austriacard Holdings AG's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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.
Austriacard Holdings AG Return-on-Tangible-Asset vs Software Industry
For the Software industry and Technology sector, Austriacard Holdings AG's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Austriacard Holdings AG's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets 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.
What does a Return-on-Tangible-Asset of 9.03% mean?
Austriacard Holdings AG (ATH:ACAG) has a Return-on-Tangible-Asset of 9.03% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Austriacard Holdings AG and its competitors. This is 67% above median its historical median of 5.41. Over the past decade, Austriacard Holdings AG's Return-on-Tangible-Asset has ranged from 0.89 to 7.05. According to the industry distribution chart, Austriacard Holdings AG ranks #1096 out of 2893 companies in the Software industry, placing it in the top 37.9%.
Is Austriacard Holdings AG's Return-on-Tangible-Asset too high?
Austriacard Holdings AG's current Return-on-Tangible-Asset of 9.03% is 67% above median its 10-year median of 5.41. Over the past 10 years, this metric has ranged from a low of 0.89 to a high of 7.05. The Software industry median Return-on-Tangible-Asset is 2.07. Austriacard Holdings AG's value of 9.03% is 336.2% above this industry median. Based on the distribution chart, Austriacard Holdings AG ranks #1096 out of 2893 companies in the Software industry, which is above the industry midpoint. Overall, Austriacard Holdings AG has a GF Score™ of 89/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Austriacard Holdings AG's Return-on-Tangible-Asset compare to IBM and ACN?
According to the Software industry distribution chart, Austriacard Holdings AG ranks #1096 out of 2893 companies for Return-on-Tangible-Asset. This puts Austriacard Holdings AG in the upper half of its industry. The industry median Return-on-Tangible-Asset is 2.07. Austriacard Holdings AG's value of 9.03% is 336.2% above this benchmark. Historically, Austriacard Holdings AG's own Return-on-Tangible-Asset has ranged from 0.89 to 7.05 over the past decade. While the company's 10-year median is 5.41 vs. the industry median of 2.07, Austriacard Holdings AG 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 Return-on-Tangible-Asset for a Software company?
The median Return-on-Tangible-Asset among Software companies is 2.07, based on 2,893 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Austriacard Holdings AG's current Return-on-Tangible-Asset of 9.03% is 336.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Austriacard Holdings AG and its competitors. For the Software industry, the median Return-on-Tangible-Asset is 2.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Austriacard Holdings AG's current Return-on-Tangible-Asset is 9.03%, which is 67% above median its own 10-year median of 5.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Austriacard Holdings AG stock overvalued right now?
Based on GuruFocus' analysis, Austriacard Holdings AG (ATH:ACAG) is currently considered Significantly Overvalued. The stock's GF Value™ is €6.08, compared to a current price of €9.79 — trading 61% above its estimated fair value. The current Return-on-Tangible-Asset is 9.03%, which is 67% above median its 10-year median of 5.41 and 336.2% above the Software industry median of 2.07. Austriacard Holdings AG's overall GF Score™ is 89/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Austriacard Holdings AG (ATH:ACAG), the current Return-on-Tangible-Asset is 9.03% 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 Austriacard Holdings AG (ATH:ACAG) Overvalued in 2026?
Based on GuruFocus' analysis, Austriacard Holdings AG stock appears to be overvalued.
The current stock price of €9.79 is trading 61% above its estimated GF Value™ of €6.08.
GuruFocus considers Austriacard Holdings AG to be Significantly Overvalued.
Key valuation signals for ATH:ACAG:
Return-on-Tangible-Asset: 9.03% (67% above median its 10-year median of 5.41)
GF Value™: €6.08 vs. price of €9.79 (61% above fair value)
Industry Position: 336.2% above the Software median (#1096 of 2893)
No single metric tells the full story. See the ATH:ACAG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Austriacard Holdings AG is a holistic applied technology company powered by artificial intelligence (AI). The Group's portfolio includes a wide range of solutions that demonstrate synergies across product lines. These include Identity & Payment Solutions, Digital Technologies, and Document Lifecycle Management. These solutions are offered to financial institutions, public and private sectors. The Group is now organized into three geographic segments: Central, Eastern Europe and DACH (CEE); Western Europe, Nordics and Americas (WEST); and Turkiye, Middle East and Africa (MEA). It derives maximum revenue from Central, Eastern Europe and DACH (CEE) segment. The solutions include: Payment Cards & Services, eGovernment & Authentication, Document Lifecycle Management, Book on Demand and Others.
89GF Score
Get the complete analysis for ATH:ACAG
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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