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The historical rank and industry rank for Erbil Bank for Investment & Finance's Return-on-Tangible-Asset or its related term are showing as below:
IQS:BERI'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -3.11 Med: -0.85 Max: 0.43
Current: -0.95
During the past 8 years, Erbil Bank for Investment & Finance's highest Return-on-Tangible-Asset was 0.43%. The lowest was -3.11%. And the median was -0.85%.
IQS:BERI's Return-on-Tangible-Asset is ranked worse than 97.58% of 1528
companies
in the Banks industry
Industry Median: 1.01
vs IQS:BERI: -0.95
Erbil Bank for Investment & Finance (IQS:BERI) 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.
Erbil Bank for Investment & Finance Return-on-Tangible-Asset Related Terms
Erbil Bank for Investment & Finance 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.
Erbil Bank for Investment & Finance Return-on-Tangible-Asset Chart
IQS:BERI vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Erbil Bank for Investment & Finance'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.
Erbil Bank for Investment & Finance Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Erbil Bank for Investment & Finance's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Erbil Bank for Investment & Finance'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 (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 8.18% mean?
Erbil Bank for Investment & Finance (IQS:BERI) has a Return-on-Tangible-Asset of 8.18% 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 Erbil Bank for Investment & Finance and its competitors. According to the industry distribution chart, Erbil Bank for Investment & Finance ranks #1491 out of 1528 companies in the Banks industry, placing it in the top 97.6%.
Is Erbil Bank for Investment & Finance's Return-on-Tangible-Asset too high?
Erbil Bank for Investment & Finance's current Return-on-Tangible-Asset is 8.18%. The Banks industry median Return-on-Tangible-Asset is 1.01. Erbil Bank for Investment & Finance's value of 8.18% is 709.9% above this industry median. Based on the distribution chart, Erbil Bank for Investment & Finance ranks #1491 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Erbil Bank for Investment & Finance has a GF Score™ of 99/100, reflecting its overall financial health beyond just this single metric.
How does Erbil Bank for Investment & Finance's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Erbil Bank for Investment & Finance ranks #1491 out of 1528 companies for Return-on-Tangible-Asset. This places Erbil Bank for Investment & Finance in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.01. Erbil Bank for Investment & Finance's value of 8.18% is 709.9% above this benchmark. 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 1.01, based on 1,528 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. Erbil Bank for Investment & Finance's current Return-on-Tangible-Asset of 8.18% is 709.9% 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 Erbil Bank for Investment & Finance and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Erbil Bank for Investment & Finance's current Return-on-Tangible-Asset is 8.18%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erbil Bank for Investment & Finance stock overvalued right now?
Erbil Bank for Investment & Finance (IQS:BERI) has a current Return-on-Tangible-Asset of 8.18%. The current Return-on-Tangible-Asset is 8.18% and 709.9% above the Banks industry median of 1.01. Erbil Bank for Investment & Finance's overall GF Score™ is 99/100 with 1 warning sign 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 Erbil Bank for Investment & Finance (IQS:BERI), the current Return-on-Tangible-Asset is 8.18% 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.
Erbil Bank for Investment & Finance is a financial services organization that provides its presence in the banking sector through services offered to customers. The company offers products such as Banking accounts, Erbil bank cards, Internal and foreign remittances, Mobile banking, and credit services.
99GF Score
Get the complete analysis for IQS:BERI
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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