IPTNF (Credissential) Return-on-Tangible-Asset: -139.70% (As of Mar. 2026)


IPTNF Credissential Inc IPTNF
12 GF Score
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What is Credissential Return-on-Tangible-Asset?

Credissential IPTNF 12 Return-on-Tangible-Asset is -139.70% as of Mar. 2026. GuruFocus rates IPTNF with a GF Score™ of 12/100. The stock has 4 warning signs investors should review. Among 2,883 Software companies, Credissential ranks worse than 67.74% 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. Credissential's annualized Net Income for the quarter that ended in Mar. 2026 was $-1.45 Mil. Credissential's average total tangible assets for the quarter that ended in Mar. 2026 was $1.04 Mil. Therefore, Credissential's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was -139.70%.

The historical rank and industry rank for Credissential's Return-on-Tangible-Asset or its related term are showing as below:

IPTNF' s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -940.49   Med: -567.04   Max: 313.33
Current: -5.69

During the past 6 years, Credissential's highest Return-on-Tangible-Asset was 313.33%. The lowest was -940.49%. And the median was -567.04%.

IPTNF's Return-on-Tangible-Asset is ranked worse than
67.74% of 2883 companies
in the Software industry
Industry Median: 2.02 vs IPTNF: -5.69

Credissential  (OTCPK:IPTNF) 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 company’s 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 company’s 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.


Credissential Return-on-Tangible-Asset Related Terms


Credissential Return-on-Tangible-Asset Historical Data

* Premium members only.

The historical data trend for Credissential'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.

Credissential Return-on-Tangible-Asset Chart

Credissential Annual Data
Trend Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Return-on-Tangible-Asset
Get a 7-Day Free Trial -646.15 308.33 7.41 -566.76 -940.89

Credissential Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Return-on-Tangible-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -3,568.17 499.66 -136.41 -145.29 -139.70

IPTNF vs UBER, SHOP, CRM: Return-on-Tangible-Asset Comparison

For the Software - Application subindustry, Credissential'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.


Credissential Return-on-Tangible-Asset vs Software Industry

For the Software industry and Technology sector, Credissential's Return-on-Tangible-Asset distribution charts can be found below:

* The bar in red indicates where Credissential's Return-on-Tangible-Asset falls into.


IPTNF
12GF Score
Credissential Inc IPTNF
Return-on-Tangible-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Credissential Return-on-Tangible-Asset Calculation

Credissential's annualized Return-on-Tangible-Asset for the fiscal year that ended in Jun. 2025 is calculated as:

Return-on-Tangible-Asset=Net Income/( (Total Tangible Assets+Total Tangible Assets)/ count )
(A: Jun. 2025 )  (A: Jun. 2024 )(A: Jun. 2025 )
=Net Income/( (Total Assets - Intangible Assets+Total Assets - Intangible Assets)/ count )
(A: Jun. 2025 )  (A: Jun. 2024 )(A: Jun. 2025 )
=-9.423/( (0.714+1.289)/ 2 )
=-9.423/1.0015
=-940.89 %

Credissential's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 is calculated as:

Return-on-Tangible-Asset=Net Income/( (Total Tangible Assets+Total Tangible Assets)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=Net Income/( (Total Assets - Intangible Assets+Total Assets - Intangible Assets)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=-1.448/( (1.088+0.985)/ 2 )
=-1.448/1.0365
=-139.70 %

* 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 -139.70% mean?
Credissential (IPTNF) has a Return-on-Tangible-Asset of -139.70% 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 Credissential and its competitors. According to the industry distribution chart, Credissential ranks #1953 out of 2883 companies in the Software industry, placing it in the top 67.7%.
Is Credissential's Return-on-Tangible-Asset too high?
Credissential's current Return-on-Tangible-Asset is -139.70%. Based on the distribution chart, Credissential ranks #1953 out of 2883 companies in the Software industry, which is below the industry midpoint. Overall, Credissential has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Credissential's Return-on-Tangible-Asset compare to UBER and SHOP?
According to the Software industry distribution chart, Credissential ranks #1953 out of 2883 companies for Return-on-Tangible-Asset. This places Credissential in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.02. 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 Software company?
The median Return-on-Tangible-Asset among Software companies is 2.02, based on 2,883 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. 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 Credissential and its competitors. For the Software industry, the median Return-on-Tangible-Asset is 2.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credissential's current Return-on-Tangible-Asset is -139.70%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credissential stock overvalued right now?
Credissential (IPTNF) has a current Return-on-Tangible-Asset of -139.70%. The current Return-on-Tangible-Asset is -139.70%. Credissential's overall GF Score™ is 12/100 with 4 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 Credissential (IPTNF), the current Return-on-Tangible-Asset is -139.70% 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.

Credissential Business Description

Other Exchanges 9YZ0:GermanyWHIP:Canada
Address 191 Ordze Avenue, Sherwood Park, AB, CAN, T8B 1M6
Credissential Inc is an AI powered financial services software developer, focused on the development and commercialization of its flagship product, Credissential and Dealerflow. It focuses on building an AI-powered risk assessment engine to govern and optimize organizational decision making.
12GF 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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