The historical rank and industry rank for Credit Immobilier et Hotelier's Return-on-Tangible-Asset or its related term are showing as below:
CAS:CIH'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.1 Med: 0.64 Max: 0.94
Current: 0.66
During the past 13 years, Credit Immobilier et Hotelier's highest Return-on-Tangible-Asset was 0.94%. The lowest was 0.10%. And the median was 0.64%.
CAS:CIH's Return-on-Tangible-Asset is ranked worse than 69.68% of 1527
companies
in the Banks industry
Industry Median: 0.99
vs CAS:CIH: 0.66
Credit Immobilier et Hotelier (CAS:CIH) 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.
Credit Immobilier et Hotelier Return-on-Tangible-Asset Related Terms
Credit Immobilier et Hotelier Return-on-Tangible-Asset Historical Data
* 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.
Credit Immobilier et Hotelier Return-on-Tangible-Asset Chart
CAS:CIH vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Credit Immobilier et Hotelier'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.
Credit Immobilier et Hotelier Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Credit Immobilier et Hotelier's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Credit Immobilier et Hotelier'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 (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.59% mean?
Credit Immobilier et Hotelier (CAS:CIH) has a Return-on-Tangible-Asset of 0.59% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Credit Immobilier et Hotelier and its competitors. This is near median its historical median of 0.64. Over the past decade, Credit Immobilier et Hotelier's Return-on-Tangible-Asset has ranged from 0.10 to 0.94. According to the industry distribution chart, Credit Immobilier et Hotelier ranks #1064 out of 1527 companies in the Banks industry, placing it in the top 69.7%.
Is Credit Immobilier et Hotelier's Return-on-Tangible-Asset too high?
Credit Immobilier et Hotelier's current Return-on-Tangible-Asset of 0.59% is near median its 10-year median of 0.64. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.94. The Banks industry median Return-on-Tangible-Asset is 0.99. Credit Immobilier et Hotelier's value of 0.59% is 40.4% below this industry median. Based on the distribution chart, Credit Immobilier et Hotelier ranks #1064 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Credit Immobilier et Hotelier has a GF Score™ of 32/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Immobilier et Hotelier's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Credit Immobilier et Hotelier ranks #1064 out of 1527 companies for Return-on-Tangible-Asset. This places Credit Immobilier et Hotelier in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Credit Immobilier et Hotelier's value of 0.59% is 40.4% below this benchmark. Historically, Credit Immobilier et Hotelier's own Return-on-Tangible-Asset has ranged from 0.10 to 0.94 over the past decade. While the company's 10-year median is 0.64 vs. the industry median of 0.99, Credit Immobilier et Hotelier 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 1,527 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. Credit Immobilier et Hotelier's current Return-on-Tangible-Asset of 0.59% is 40.4% 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 Credit Immobilier et Hotelier 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. Credit Immobilier et Hotelier's current Return-on-Tangible-Asset is 0.59%, which is near median its own 10-year median of 0.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Immobilier et Hotelier stock overvalued right now?
Based on GuruFocus' analysis, Credit Immobilier et Hotelier (CAS:CIH) is currently considered Modestly Undervalued. The stock's GF Value™ is MAD413.43, compared to a current price of MAD350.00 — trading 15.3% below its estimated fair value. The current Return-on-Tangible-Asset is 0.59%, which is near median its 10-year median of 0.64 and 40.4% below the Banks industry median of 0.99. Credit Immobilier et Hotelier's overall GF Score™ is 32/100 with 2 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 Credit Immobilier et Hotelier (CAS:CIH), the current Return-on-Tangible-Asset is 0.59% 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 Credit Immobilier et Hotelier (CAS:CIH) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Immobilier et Hotelier stock appears to be undervalued.
The current stock price of MAD350.00 is trading 15.3% below its estimated GF Value™ of MAD413.43.
GuruFocus considers Credit Immobilier et Hotelier to be Modestly Undervalued.
Key valuation signals for CAS:CIH:
Return-on-Tangible-Asset: 0.59% (near median its 10-year median of 0.64)
GF Value™: MAD413.43 vs. price of MAD350.00 (15.3% below fair value)
Industry Position: 40.4% below the Banks median (#1064 of 1527)
No single metric tells the full story. See the CAS:CIH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Immobilier et Hotelier Business Description
Credit Immobilier et Hotelier SA provides various banking products and services. It accepts checking, currency, and current accounts; and offers funding solutions. The company also provides bank cards; saving and investment products; and bancassurance, payment, transfer, international operation, and specialized services.
32GF Score
Get the complete analysis for CAS:CIH
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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