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.
PensionBee GroupLSE:PBEE +2.46%75 Return-on-Tangible-Asset is 11.24% as of Dec. 2025. GuruFocus rates LSE:PBEE with a GF Score™ of 75/100 and a GF Value™ of £2.14 (Significantly Undervalued). Among 818 Capital Markets companies, PensionBee Group ranks worse than 82.27% 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. PensionBee Group's annualizedNet Income for the quarter that ended in Dec. 2025 was £4.43 Mil. PensionBee Group's average total tangible assets for the quarter that ended in Dec. 2025 was £39.36 Mil. Therefore, PensionBee Group's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 11.24%.
The historical rank and industry rank for PensionBee Group's Return-on-Tangible-Asset or its related term are showing as below:
LSE:PBEE'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -130.52 Med: -54.82 Max: -7.07
Current: -7.14
During the past 8 years, PensionBee Group's highest Return-on-Tangible-Asset was -7.07%. The lowest was -130.52%. And the median was -54.82%.
LSE:PBEE's Return-on-Tangible-Asset is ranked worse than 82.27% of 818
companies
in the Capital Markets industry
Industry Median: 1.54
vs LSE:PBEE: -7.14
PensionBee Group (LSE:PBEE) 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.
PensionBee Group Return-on-Tangible-Asset Related Terms
PensionBee Group Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for PensionBee Group'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.
LSE:PBEE vs MS, GS, SCHW: Return-on-Tangible-Asset Comparison
For the Capital Markets subindustry, PensionBee Group'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.
PensionBee Group Return-on-Tangible-Asset vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, PensionBee Group's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where PensionBee Group'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 two times the semi-annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 11.24% mean?
PensionBee Group (LSE:PBEE) has a Return-on-Tangible-Asset of 11.24% 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 PensionBee Group and its competitors. According to the industry distribution chart, PensionBee Group ranks #673 out of 818 companies in the Capital Markets industry, placing it in the top 82.3%.
Is PensionBee Group's Return-on-Tangible-Asset too high?
PensionBee Group's current Return-on-Tangible-Asset is 11.24%. The Capital Markets industry median Return-on-Tangible-Asset is 1.54. PensionBee Group's value of 11.24% is 629.9% above this industry median. Based on the distribution chart, PensionBee Group ranks #673 out of 818 companies in the Capital Markets industry, which is in the bottom quartile relative to peers. Overall, PensionBee Group has a GF Score™ of 75/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PensionBee Group's Return-on-Tangible-Asset compare to MS and GS?
According to the Capital Markets industry distribution chart, PensionBee Group ranks #673 out of 818 companies for Return-on-Tangible-Asset. This places PensionBee Group in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.54. PensionBee Group's value of 11.24% is 629.9% 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 Capital Markets company?
The median Return-on-Tangible-Asset among Capital Markets companies is 1.54, based on 818 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. PensionBee Group's current Return-on-Tangible-Asset of 11.24% is 629.9% 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 PensionBee Group and its competitors. For the Capital Markets industry, the median Return-on-Tangible-Asset is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PensionBee Group's current Return-on-Tangible-Asset is 11.24%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PensionBee Group stock overvalued right now?
Based on GuruFocus' analysis, PensionBee Group (LSE:PBEE) is currently considered Significantly Undervalued. The stock's GF Value™ is £2.14, compared to a current price of £1.25 — trading 41.6% below its estimated fair value. The current Return-on-Tangible-Asset is 11.24% and 629.9% above the Capital Markets industry median of 1.54. PensionBee Group's overall GF Score™ is 75/100. 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 PensionBee Group (LSE:PBEE), the current Return-on-Tangible-Asset is 11.24% 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.
Is PensionBee Group (LSE:PBEE) Overvalued in 2026?
Based on GuruFocus' analysis, PensionBee Group stock appears to be undervalued.
The current stock price of £1.25 is trading 41.6% below its estimated GF Value™ of £2.14.
GuruFocus considers PensionBee Group to be Significantly Undervalued.
Key valuation signals for LSE:PBEE:
Return-on-Tangible-Asset: 11.24%
GF Value™: £2.14 vs. price of £1.25 (41.6% below fair value)
Industry Position: 629.9% above the Capital Markets median (#673 of 818)
No single metric tells the full story. See the LSE:PBEE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PensionBee Group PLC is engaged in the provision of direct-to-consumer online pensions. The company helps its customers combine their old pension pots, make flexible contributions, invest in line with their goals and values, and make withdrawals after attaining a certain age. It offers a range of investment plans, including fossil fuel-free and impact investing options, from various asset managers. The firm generates a vast majority of its revenue in the form of fees it charges for fund administration. These fees are earned for administering the customer pension schemes and are charged based on a fixed percentage of the value of a customer's assets held by the pension scheme. Geographically, it generates the majority of its revenue from the United Kingdom.
75GF Score
Get the complete analysis for LSE:PBEE
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
LSE:PBEE has been successfully added to your 
