Banque Centrale PopulaireCAS:BCP 55 Return-on-Tangible-Asset is 0.15% as of Dec. 2025, which is 80% below its 10-year median of 0.75. GuruFocus rates CAS:BCP with a GF Score™ of 55/100 and a GF Value™ of MAD352.89 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,530 Banks companies, Banque Centrale Populaire ranks worse than 61.83% 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. Banque Centrale Populaire's annualizedNet Income for the quarter that ended in Dec. 2025 was MAD864 Mil. Banque Centrale Populaire's average total tangible assets for the quarter that ended in Dec. 2025 was MAD560,647 Mil. Therefore, Banque Centrale Populaire's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 0.15%.
The historical rank and industry rank for Banque Centrale Populaire's Return-on-Tangible-Asset or its related term are showing as below:
CAS:BCP'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.28 Med: 0.75 Max: 0.82
Current: 0.82
During the past 13 years, Banque Centrale Populaire's highest Return-on-Tangible-Asset was 0.82%. The lowest was 0.28%. And the median was 0.75%.
CAS:BCP's Return-on-Tangible-Asset is ranked worse than 61.83% of 1530
companies
in the Banks industry
Industry Median: 0.99
vs CAS:BCP: 0.82
Banque Centrale Populaire (CAS:BCP) 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.
Banque Centrale Populaire Return-on-Tangible-Asset Related Terms
Banque Centrale Populaire Return-on-Tangible-Asset Historical Data
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The historical data trend for Banque Centrale Populaire'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.
Banque Centrale Populaire Return-on-Tangible-Asset Chart
CAS:BCP vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Banque Centrale Populaire'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.
Banque Centrale Populaire Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Banque Centrale Populaire's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Banque Centrale Populaire'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 0.15% mean?
Banque Centrale Populaire (CAS:BCP) has a Return-on-Tangible-Asset of 0.15% 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 Banque Centrale Populaire and its competitors. This is 80% below median its historical median of 0.75. Over the past decade, Banque Centrale Populaire's Return-on-Tangible-Asset has ranged from 0.28 to 0.82. According to the industry distribution chart, Banque Centrale Populaire ranks #946 out of 1530 companies in the Banks industry, placing it in the top 61.8%.
Is Banque Centrale Populaire's Return-on-Tangible-Asset too high?
Banque Centrale Populaire's current Return-on-Tangible-Asset of 0.15% is 80% below median its 10-year median of 0.75. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 0.82. The Banks industry median Return-on-Tangible-Asset is 0.99. Banque Centrale Populaire's value of 0.15% is 84.8% below this industry median. Based on the distribution chart, Banque Centrale Populaire ranks #946 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, Banque Centrale Populaire has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Banque Centrale Populaire's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Banque Centrale Populaire ranks #946 out of 1530 companies for Return-on-Tangible-Asset. This places Banque Centrale Populaire in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Banque Centrale Populaire's value of 0.15% is 84.8% below this benchmark. Historically, Banque Centrale Populaire's own Return-on-Tangible-Asset has ranged from 0.28 to 0.82 over the past decade. While the company's 10-year median is 0.75 vs. the industry median of 0.99, Banque Centrale Populaire 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,530 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. Banque Centrale Populaire's current Return-on-Tangible-Asset of 0.15% is 84.8% 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 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 Banque Centrale Populaire and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banque Centrale Populaire's current Return-on-Tangible-Asset is 0.15%, which is 80% below median its own 10-year median of 0.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banque Centrale Populaire stock overvalued right now?
Based on GuruFocus' analysis, Banque Centrale Populaire (CAS:BCP) is currently considered Modestly Undervalued. The stock's GF Value™ is MAD352.89, compared to a current price of MAD263.90 — trading 25.2% below its estimated fair value. The current Return-on-Tangible-Asset is 0.15%, which is 80% below median its 10-year median of 0.75 and 84.8% below the Banks industry median of 0.99. Banque Centrale Populaire's overall GF Score™ is 55/100 with 1 warning sign 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 Banque Centrale Populaire (CAS:BCP), the current Return-on-Tangible-Asset is 0.15% 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 Banque Centrale Populaire (CAS:BCP) Overvalued in 2026?
Based on GuruFocus' analysis, Banque Centrale Populaire stock appears to be undervalued.
The current stock price of MAD263.90 is trading 25.2% below its estimated GF Value™ of MAD352.89.
GuruFocus considers Banque Centrale Populaire to be Modestly Undervalued.
Key valuation signals for CAS:BCP:
Return-on-Tangible-Asset: 0.15% (80% below median its 10-year median of 0.75)
GF Value™: MAD352.89 vs. price of MAD263.90 (25.2% below fair value)
Industry Position: 84.8% below the Banks median (#946 of 1530)
No single metric tells the full story. See the CAS:BCP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banque Centrale Populaire SA is a Malaysia-based company. The company is a credit establishment. It carries all banking transaction and is also a central banking body for Banques Populaires Regionales. The bank services include private banking, transaction banking, business banking, asset management, and others. The bank receives maximum revenue in the form of interest income. Geographically, the company offers its services to Morocco, Africa, Europe, and Other regions.
55GF Score
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