Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Banco BBVA PeruLIM:BBVAC1 +0.90%40 Return-on-Tangible-Asset is 2.51% as of Mar. 2026, which is 37% above its 10-year median of 1.83. GuruFocus rates LIM:BBVAC1 with a GF Score™ of 40/100 and a GF Value™ of S/.1.27 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,527 Banks companies, Banco BBVA Peru ranks better than 91.16% 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. Banco BBVA Peru's annualizedNet Income for the quarter that ended in Mar. 2026 was S/.2,891 Mil. Banco BBVA Peru's average total tangible assets for the quarter that ended in Mar. 2026 was S/.115,183 Mil. Therefore, Banco BBVA Peru's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 2.51%.
The historical rank and industry rank for Banco BBVA Peru's Return-on-Tangible-Asset or its related term are showing as below:
LIM:BBVAC1'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.69 Med: 1.83 Max: 2.32
Current: 2.32
During the past 13 years, Banco BBVA Peru's highest Return-on-Tangible-Asset was 2.32%. The lowest was 0.69%. And the median was 1.83%.
LIM:BBVAC1's Return-on-Tangible-Asset is ranked better than 91.16% of 1527
companies
in the Banks industry
Industry Median: 1.01
vs LIM:BBVAC1: 2.32
Banco BBVA Peru (LIM:BBVAC1) 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.
Banco BBVA Peru Return-on-Tangible-Asset Related Terms
Banco BBVA Peru Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Banco BBVA Peru'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.
LIM:BBVAC1 vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Banco BBVA Peru'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.
Banco BBVA Peru Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Banco BBVA Peru's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Banco BBVA Peru'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 2.51% mean?
Banco BBVA Peru (LIM:BBVAC1) has a Return-on-Tangible-Asset of 2.51% 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 Banco BBVA Peru and its competitors. This is 37% above median its historical median of 1.83. Over the past decade, Banco BBVA Peru's Return-on-Tangible-Asset has ranged from 0.69 to 2.32. According to the industry distribution chart, Banco BBVA Peru ranks #135 out of 1527 companies in the Banks industry, placing it in the top 8.8%.
Is Banco BBVA Peru's Return-on-Tangible-Asset too high?
Banco BBVA Peru's current Return-on-Tangible-Asset of 2.51% is 37% above median its 10-year median of 1.83. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 2.32. The Banks industry median Return-on-Tangible-Asset is 1.01. Banco BBVA Peru's value of 2.51% is 148.5% above this industry median. Based on the distribution chart, Banco BBVA Peru ranks #135 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banco BBVA Peru has a GF Score™ of 40/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco BBVA Peru's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Banco BBVA Peru ranks #135 out of 1527 companies for Return-on-Tangible-Asset. This places Banco BBVA Peru in the top 9% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.01. Banco BBVA Peru's value of 2.51% is 148.5% above this benchmark. Historically, Banco BBVA Peru's own Return-on-Tangible-Asset has ranged from 0.69 to 2.32 over the past decade. While the company's 10-year median is 1.83 vs. the industry median of 1.01, Banco BBVA Peru 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 Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,527 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. Banco BBVA Peru's current Return-on-Tangible-Asset of 2.51% is 148.5% 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 Banco BBVA Peru 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. Banco BBVA Peru's current Return-on-Tangible-Asset is 2.51%, which is 37% above median its own 10-year median of 1.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco BBVA Peru stock overvalued right now?
Based on GuruFocus' analysis, Banco BBVA Peru (LIM:BBVAC1) is currently considered Significantly Overvalued. The stock's GF Value™ is S/.1.27, compared to a current price of S/.2.24 — trading 76.4% above its estimated fair value. The current Return-on-Tangible-Asset is 2.51%, which is 37% above median its 10-year median of 1.83 and 148.5% above the Banks industry median of 1.01. Banco BBVA Peru's overall GF Score™ is 40/100 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 Banco BBVA Peru (LIM:BBVAC1), the current Return-on-Tangible-Asset is 2.51% 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 Banco BBVA Peru (LIM:BBVAC1) Overvalued in 2026?
Based on GuruFocus' analysis, Banco BBVA Peru stock appears to be overvalued.
The current stock price of S/.2.24 is trading 76.4% above its estimated GF Value™ of S/.1.27.
GuruFocus considers Banco BBVA Peru to be Significantly Overvalued.
Key valuation signals for LIM:BBVAC1:
Return-on-Tangible-Asset: 2.51% (37% above median its 10-year median of 1.83)
GF Value™: S/.1.27 vs. price of S/.2.24 (76.4% above fair value)
Industry Position: 148.5% above the Banks median (#135 of 1527)
No single metric tells the full story. See the LIM:BBVAC1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco BBVA Peru is a Peru based company engages in providing banking products and services. Its products and services include saving and current accounts, fixed-term deposits, consumer and commercial loans, mortgages, as well as debit and credit cards, among others. The Bank offers its services both to individual and business customers. The company operates in Wholesale Loans, Small and Micro-Business Loans, Consumer Loans, and Mortgage Loans segments.
40GF Score
Get the complete analysis for LIM:BBVAC1
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LIM:BBVAC1 has been successfully added to your 
