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eGuaranteeEGTIF 98 Return-on-Tangible-Asset is 12.64% as of Mar. 2026, which is 13% above its 10-year median of 11.20. GuruFocus rates EGTIF with a GF Score™ of 98/100 and a GF Value™ of $12.07. The stock has 6 warning signs investors should review. Among 546 Credit Services companies, eGuarantee ranks better than 95.6% 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. eGuarantee's annualizedNet Income for the quarter that ended in Mar. 2026 was $22.79 Mil. eGuarantee's average total tangible assets for the quarter that ended in Mar. 2026 was $180.34 Mil. Therefore, eGuarantee's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 12.64%.
The historical rank and industry rank for eGuarantee's Return-on-Tangible-Asset or its related term are showing as below:
EGTIF'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 10.32 Med: 11.2 Max: 14.1
Current: 11.96
During the past 13 years, eGuarantee's highest Return-on-Tangible-Asset was 14.10%. The lowest was 10.32%. And the median was 11.20%.
EGTIF's Return-on-Tangible-Asset is ranked better than 95.6% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs EGTIF: 11.96
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.
eGuarantee Return-on-Tangible-Asset Related Terms
eGuarantee Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for eGuarantee'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.
EGTIF vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, eGuarantee'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.
eGuarantee Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, eGuarantee's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where eGuarantee'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 12.64% mean?
eGuarantee (EGTIF) has a Return-on-Tangible-Asset of 12.64% 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 eGuarantee and its competitors. This is 13% above median its historical median of 11.20. Over the past decade, eGuarantee's Return-on-Tangible-Asset has ranged from 10.32 to 14.10. According to the industry distribution chart, eGuarantee ranks #24 out of 546 companies in the Credit Services industry, placing it in the top 4.4%.
Is eGuarantee's Return-on-Tangible-Asset too high?
eGuarantee's current Return-on-Tangible-Asset of 12.64% is 13% above median its 10-year median of 11.20. Over the past 10 years, this metric has ranged from a low of 10.32 to a high of 14.10. The Credit Services industry median Return-on-Tangible-Asset is 1.93. eGuarantee's value of 12.64% is 554.9% above this industry median. Based on the distribution chart, eGuarantee ranks #24 out of 546 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, eGuarantee has a GF Score™ of 98/100, reflecting its overall financial health beyond just this single metric.
How does eGuarantee's Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, eGuarantee ranks #24 out of 546 companies for Return-on-Tangible-Asset. This places eGuarantee in the top 4% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.93. eGuarantee's value of 12.64% is 554.9% above this benchmark. Historically, eGuarantee's own Return-on-Tangible-Asset has ranged from 10.32 to 14.10 over the past decade. While the company's 10-year median is 11.20 vs. the industry median of 1.93, eGuarantee 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 Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.93, based on 546 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. eGuarantee's current Return-on-Tangible-Asset of 12.64% is 554.9% 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 eGuarantee and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. eGuarantee's current Return-on-Tangible-Asset is 12.64%, which is 13% above median its own 10-year median of 11.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is eGuarantee stock overvalued right now?
eGuarantee (EGTIF) has a current Return-on-Tangible-Asset of 12.64%. The stock's GF Value™ is $12.07, compared to a current price of $11.15 — trading 7.6% below its estimated fair value. The current Return-on-Tangible-Asset is 12.64%, which is 13% above median its 10-year median of 11.20 and 554.9% above the Credit Services industry median of 1.93. eGuarantee's overall GF Score™ is 98/100 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 eGuarantee (EGTIF), the current Return-on-Tangible-Asset is 12.64% 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 eGuarantee (EGTIF) Overvalued in 2026?
Based on GuruFocus' analysis, eGuarantee stock appears to be undervalued.
The current stock price of $11.15 is trading 7.6% below its estimated GF Value™ of $12.07.
Key valuation signals for EGTIF:
Return-on-Tangible-Asset: 12.64% (13% above median its 10-year median of 11.20)
GF Value™: $12.07 vs. price of $11.15 (7.6% below fair value)
Industry Position: 554.9% above the Credit Services median (#24 of 546)
No single metric tells the full story. See the EGTIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
eGuarantee Inc provides services to undertake credit risks that arise in the various business transaction. The company's services include Guarantee services against sales credit, Guarantee services against contractor credit, Guarantee services by debtor's trust, and Guarantee services against a variety of credit.
98GF Score
Get the complete analysis for EGTIF
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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