Bank Handlowy w WarszawieLTS:0DOS 69 Return-on-Tangible-Asset is 1.87% as of Mar. 2026, which is 36% above its 10-year median of 1.37. GuruFocus rates LTS:0DOS with a GF Score™ of 69/100 and a GF Value™ of zł66.51. The stock has 2 warning signs investors should review. Among 1,529 Banks companies, Bank Handlowy w Warszawie ranks better than 88.23% 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. Bank Handlowy w Warszawie's annualizedNet Income for the quarter that ended in Mar. 2026 was zł1,542 Mil. Bank Handlowy w Warszawie's average total tangible assets for the quarter that ended in Mar. 2026 was zł82,660 Mil. Therefore, Bank Handlowy w Warszawie's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.87%.
The historical rank and industry rank for Bank Handlowy w Warszawie's Return-on-Tangible-Asset or its related term are showing as below:
LTS:0DOS'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.31 Med: 1.37 Max: 3.26
Current: 2
During the past 13 years, Bank Handlowy w Warszawie's highest Return-on-Tangible-Asset was 3.26%. The lowest was 0.31%. And the median was 1.37%.
LTS:0DOS's Return-on-Tangible-Asset is ranked better than 88.23% of 1529
companies
in the Banks industry
Industry Median: 0.99
vs LTS:0DOS: 2.00
Bank Handlowy w Warszawie (LTS:0DOS) 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.
Bank Handlowy w Warszawie Return-on-Tangible-Asset Related Terms
Bank Handlowy w Warszawie Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Bank Handlowy w Warszawie'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.
Bank Handlowy w Warszawie Return-on-Tangible-Asset Chart
LTS:0DOS vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Bank Handlowy w Warszawie'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.
Bank Handlowy w Warszawie Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Bank Handlowy w Warszawie's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Bank Handlowy w Warszawie'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 1.87% mean?
Bank Handlowy w Warszawie (LTS:0DOS) has a Return-on-Tangible-Asset of 1.87% 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 Bank Handlowy w Warszawie and its competitors. This is 36% above median its historical median of 1.37. Over the past decade, Bank Handlowy w Warszawie's Return-on-Tangible-Asset has ranged from 0.31 to 3.26. According to the industry distribution chart, Bank Handlowy w Warszawie ranks #180 out of 1529 companies in the Banks industry, placing it in the top 11.8%.
Is Bank Handlowy w Warszawie's Return-on-Tangible-Asset too high?
Bank Handlowy w Warszawie's current Return-on-Tangible-Asset of 1.87% is 36% above median its 10-year median of 1.37. Over the past 10 years, this metric has ranged from a low of 0.31 to a high of 3.26. The Banks industry median Return-on-Tangible-Asset is 0.99. Bank Handlowy w Warszawie's value of 1.87% is 88.9% above this industry median. Based on the distribution chart, Bank Handlowy w Warszawie ranks #180 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank Handlowy w Warszawie has a GF Score™ of 69/100, reflecting its overall financial health beyond just this single metric.
How does Bank Handlowy w Warszawie's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Bank Handlowy w Warszawie ranks #180 out of 1529 companies for Return-on-Tangible-Asset. This places Bank Handlowy w Warszawie in the top 12% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Bank Handlowy w Warszawie's value of 1.87% is 88.9% above this benchmark. Historically, Bank Handlowy w Warszawie's own Return-on-Tangible-Asset has ranged from 0.31 to 3.26 over the past decade. While the company's 10-year median is 1.37 vs. the industry median of 0.99, Bank Handlowy w Warszawie 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 0.99, based on 1,529 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. Bank Handlowy w Warszawie's current Return-on-Tangible-Asset of 1.87% is 88.9% 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 Bank Handlowy w Warszawie and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Handlowy w Warszawie's current Return-on-Tangible-Asset is 1.87%, which is 36% above median its own 10-year median of 1.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Handlowy w Warszawie stock overvalued right now?
Bank Handlowy w Warszawie (LTS:0DOS) has a current Return-on-Tangible-Asset of 1.87%. The stock's GF Value™ is zł66.51, compared to a current price of zł102.60 — trading 54.3% above its estimated fair value. The current Return-on-Tangible-Asset is 1.87%, which is 36% above median its 10-year median of 1.37 and 88.9% above the Banks industry median of 0.99. Bank Handlowy w Warszawie's overall GF Score™ is 69/100 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 Bank Handlowy w Warszawie (LTS:0DOS), the current Return-on-Tangible-Asset is 1.87% 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 Bank Handlowy w Warszawie (LTS:0DOS) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Handlowy w Warszawie stock appears to be overvalued.
The current stock price of zł102.60 is trading 54.3% above its estimated GF Value™ of zł66.51.
Key valuation signals for LTS:0DOS:
Return-on-Tangible-Asset: 1.87% (36% above median its 10-year median of 1.37)
GF Value™: zł66.51 vs. price of zł102.60 (54.3% above fair value)
Industry Position: 88.9% above the Banks median (#180 of 1529)
No single metric tells the full story. See the LTS:0DOS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Handlowy w Warszawie SA is a Poland-based bank and the parent company of the Bank Handlowy Group. It is a subsidiary of Citigroup, through Citibank Overseas Investment Corporation. The group provides retail, corporate, and investment banking services, as well as leasing and other financial services.
69GF Score
Get the complete analysis for LTS:0DOS
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
LTS:0DOS has been successfully added to your 
