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China Citic BankFRA:D7C +1.13%60 Return-on-Tangible-Asset is 0.80% as of Mar. 2026, which is 7% above its 10-year median of 0.75. GuruFocus rates FRA:D7C with a GF Score™ of 60/100 and a GF Value™ of €0.75 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,524 Banks companies, China Citic Bank ranks worse than 67.59% 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. China Citic Bank's annualizedNet Income for the quarter that ended in Mar. 2026 was €10,090 Mil. China Citic Bank's average total tangible assets for the quarter that ended in Mar. 2026 was €1,256,370 Mil. Therefore, China Citic Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.80%.
The historical rank and industry rank for China Citic Bank's Return-on-Tangible-Asset or its related term are showing as below:
FRA:D7C'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.69 Med: 0.75 Max: 0.76
Current: 0.71
During the past 13 years, China Citic Bank's highest Return-on-Tangible-Asset was 0.76%. The lowest was 0.69%. And the median was 0.75%.
FRA:D7C's Return-on-Tangible-Asset is ranked worse than 67.59% of 1524
companies
in the Banks industry
Industry Median: 1
vs FRA:D7C: 0.71
China Citic Bank (FRA:D7C) 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.
China Citic Bank Return-on-Tangible-Asset Related Terms
China Citic Bank Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for China Citic Bank'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.
China Citic Bank Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, China Citic Bank'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.
China Citic Bank Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, China Citic Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where China Citic Bank'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 0.80% mean?
China Citic Bank (FRA:D7C) has a Return-on-Tangible-Asset of 0.80% 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 China Citic Bank and its competitors. This is near median its historical median of 0.75. Over the past decade, China Citic Bank's Return-on-Tangible-Asset has ranged from 0.69 to 0.76. According to the industry distribution chart, China Citic Bank ranks #1030 out of 1524 companies in the Banks industry, placing it in the top 67.6%.
Is China Citic Bank's Return-on-Tangible-Asset too high?
China Citic Bank's current Return-on-Tangible-Asset of 0.80% is near median its 10-year median of 0.75. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 0.76. The Banks industry median Return-on-Tangible-Asset is 1.00. China Citic Bank's value of 0.80% is 20% below this industry median. Based on the distribution chart, China Citic Bank ranks #1030 out of 1524 companies in the Banks industry, which is below the industry midpoint. Overall, China Citic Bank has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does China Citic Bank's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, China Citic Bank ranks #1030 out of 1524 companies for Return-on-Tangible-Asset. This places China Citic Bank in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.00. China Citic Bank's value of 0.80% is 20% below this benchmark. Historically, China Citic Bank's own Return-on-Tangible-Asset has ranged from 0.69 to 0.76 over the past decade. While the company's 10-year median is 0.75 vs. the industry median of 1.00, China Citic Bank 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 1.00, based on 1,524 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. China Citic Bank's current Return-on-Tangible-Asset of 0.80% is 20% 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 China Citic Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Citic Bank's current Return-on-Tangible-Asset is 0.80%, which is near 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 China Citic Bank stock overvalued right now?
Based on GuruFocus' analysis, China Citic Bank (FRA:D7C) is currently considered Fairly Valued. The stock's GF Value™ is €0.75, compared to a current price of €0.81 — trading 7.6% above its estimated fair value. The current Return-on-Tangible-Asset is 0.80%, which is near median its 10-year median of 0.75 and 20% below the Banks industry median of 1.00. China Citic Bank's overall GF Score™ is 60/100 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 China Citic Bank (FRA:D7C), the current Return-on-Tangible-Asset is 0.80% 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 China Citic Bank (FRA:D7C) Overvalued in 2026?
Based on GuruFocus' analysis, China Citic Bank stock appears to be overvalued.
The current stock price of €0.81 is trading 7.6% above its estimated GF Value™ of €0.75.
GuruFocus considers China Citic Bank to be Fairly Valued.
Key valuation signals for FRA:D7C:
Return-on-Tangible-Asset: 0.80% (near median its 10-year median of 0.75)
GF Value™: €0.75 vs. price of €0.81 (7.6% above fair value)
Industry Position: 20% below the Banks median (#1030 of 1524)
No single metric tells the full story. See the FRA:D7C stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Citic Bank, headquartered in Beijing, ranks as China's ninth-largest commercial lender. The bank operates a nationwide network of 1,459 branches across 153 cities, supplemented by offshore presence in Hong Kong, Macao, New York, Los Angeles, and Singapore as of mid-2024. Founded in 1987, it serves as a core subsidiary of Citic Group, a premier state-owned conglomerate.
60GF Score
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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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