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FintelCHIX:FNTLL -1.36%53 Return-on-Tangible-Asset is 19.75% as of Dec. 2025, which is 24% below its 10-year median of 25.85. GuruFocus rates CHIX:FNTLL with a GF Score™ of 53/100 and a GF Value™ of £2.79 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,096 Business Services companies, Fintel ranks better than 90.05% 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. Fintel's annualizedNet Income for the quarter that ended in Dec. 2025 was £7.80 Mil. Fintel's average total tangible assets for the quarter that ended in Dec. 2025 was £39.50 Mil. Therefore, Fintel's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 19.75%.
The historical rank and industry rank for Fintel's Return-on-Tangible-Asset or its related term are showing as below:
CHIX:FNTLl'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 13.41 Med: 25.85 Max: 57.04
Current: 17.32
During the past 11 years, Fintel's highest Return-on-Tangible-Asset was 57.04%. The lowest was 13.41%. And the median was 25.85%.
CHIX:FNTLl's Return-on-Tangible-Asset is ranked better than 90.05% of 1096
companies
in the Business Services industry
Industry Median: 3.97
vs CHIX:FNTLl: 17.32
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.
Fintel Return-on-Tangible-Asset Related Terms
Fintel Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Fintel'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.
CHIX:FNTLL vs VRSK, EFX, BAH: Return-on-Tangible-Asset Comparison
For the Consulting Services subindustry, Fintel'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.
Fintel Return-on-Tangible-Asset vs Business Services Industry
For the Business Services industry and Industrials sector, Fintel's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Fintel'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 two times the semi-annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 19.75% mean?
Fintel (CHIX:FNTLL) has a Return-on-Tangible-Asset of 19.75% 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 Fintel and its competitors. This is 24% below median its historical median of 25.85. Over the past decade, Fintel's Return-on-Tangible-Asset has ranged from 13.41 to 57.04. According to the industry distribution chart, Fintel ranks #109 out of 1096 companies in the Business Services industry, placing it in the top 9.9%.
Is Fintel's Return-on-Tangible-Asset too high?
Fintel's current Return-on-Tangible-Asset of 19.75% is 24% below median its 10-year median of 25.85. Over the past 10 years, this metric has ranged from a low of 13.41 to a high of 57.04. The Business Services industry median Return-on-Tangible-Asset is 3.97. Fintel's value of 19.75% is 397.5% above this industry median. Based on the distribution chart, Fintel ranks #109 out of 1096 companies in the Business Services industry, which is in the top quartile — a strong position relative to peers. Overall, Fintel has a GF Score™ of 53/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Fintel's Return-on-Tangible-Asset compare to VRSK and EFX?
According to the Business Services industry distribution chart, Fintel ranks #109 out of 1096 companies for Return-on-Tangible-Asset. This places Fintel in the top 10% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 3.97. Fintel's value of 19.75% is 397.5% above this benchmark. Historically, Fintel's own Return-on-Tangible-Asset has ranged from 13.41 to 57.04 over the past decade. While the company's 10-year median is 25.85 vs. the industry median of 3.97, Fintel 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 Business Services company?
The median Return-on-Tangible-Asset among Business Services companies is 3.97, based on 1,096 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. Fintel's current Return-on-Tangible-Asset of 19.75% is 397.5% 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 Fintel and its competitors. For the Business Services industry, the median Return-on-Tangible-Asset is 3.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fintel's current Return-on-Tangible-Asset is 19.75%, which is 24% below median its own 10-year median of 25.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fintel stock overvalued right now?
Based on GuruFocus' analysis, Fintel (CHIX:FNTLL) is currently considered Significantly Undervalued. The stock's GF Value™ is £2.79, compared to a current price of £1.82 — trading 34.9% below its estimated fair value. The current Return-on-Tangible-Asset is 19.75%, which is 24% below median its 10-year median of 25.85 and 397.5% above the Business Services industry median of 3.97. Fintel's overall GF Score™ is 53/100 with 3 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 Fintel (CHIX:FNTLL), the current Return-on-Tangible-Asset is 19.75% 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 Fintel (CHIX:FNTLL) Overvalued in 2026?
Based on GuruFocus' analysis, Fintel stock appears to be undervalued.
The current stock price of £1.82 is trading 34.9% below its estimated GF Value™ of £2.79.
GuruFocus considers Fintel to be Significantly Undervalued.
Key valuation signals for CHIX:FNTLL:
Return-on-Tangible-Asset: 19.75% (24% below median its 10-year median of 25.85)
GF Value™: £2.79 vs. price of £1.82 (34.9% below fair value)
Industry Position: 397.5% above the Business Services median (#109 of 1096)
No single metric tells the full story. See the CHIX:FNTLL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fintel PLC is engaged in UK retail financial services in the provision of financial data and intelligence embedded in digital technologies. The company's principal activity is the provision of Fintech and support services to the UK retail financial services sector. The company's segment includes Software & Data Division; Services Division and Admin and support costs. It generates maximum revenue from the Services division. Services division provides compliance and business support to FCA-regulated financial intermediaries including financial advisers, mortgage advisers and wealth managers, through a comprehensive membership model.
53GF Score
Get the complete analysis for CHIX:FNTLL
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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