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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. Hypothekarbank Lenzburg AG's annualizedNet Income for the quarter that ended in Dec. 2025 was CHF24.4 Mil. Hypothekarbank Lenzburg AG's average total tangible assets for the quarter that ended in Dec. 2025 was CHF8,355.8 Mil. Therefore, Hypothekarbank Lenzburg AG's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 0.29%.
The historical rank and industry rank for Hypothekarbank Lenzburg AG's Return-on-Tangible-Asset or its related term are showing as below:
LTS:0QLK'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.25 Med: 0.32 Max: 0.45
Current: 0.25
During the past 13 years, Hypothekarbank Lenzburg AG's highest Return-on-Tangible-Asset was 0.45%. The lowest was 0.25%. And the median was 0.32%.
LTS:0QLK's Return-on-Tangible-Asset is ranked worse than 88.88% of 1529
companies
in the Banks industry
Industry Median: 0.99
vs LTS:0QLK: 0.25
Hypothekarbank Lenzburg AG (LTS:0QLK) 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.
Hypothekarbank Lenzburg AG Return-on-Tangible-Asset Related Terms
Hypothekarbank Lenzburg AG 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.
Hypothekarbank Lenzburg AG Return-on-Tangible-Asset Chart
LTS:0QLK vs RKT, FNMA, PFSI: Return-on-Tangible-Asset Comparison
For the Mortgage Finance subindustry, Hypothekarbank Lenzburg AG'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.
Hypothekarbank Lenzburg AG Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Hypothekarbank Lenzburg AG's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Hypothekarbank Lenzburg AG'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 0.29% mean?
Hypothekarbank Lenzburg AG (LTS:0QLK) has a Return-on-Tangible-Asset of 0.29% 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 Hypothekarbank Lenzburg AG and its competitors. This is near median its historical median of 0.32. Over the past decade, Hypothekarbank Lenzburg AG's Return-on-Tangible-Asset has ranged from 0.25 to 0.45. According to the industry distribution chart, Hypothekarbank Lenzburg AG ranks #1359 out of 1529 companies in the Banks industry, placing it in the top 88.9%.
Is Hypothekarbank Lenzburg AG's Return-on-Tangible-Asset too high?
Hypothekarbank Lenzburg AG's current Return-on-Tangible-Asset of 0.29% is near median its 10-year median of 0.32. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 0.45. The Banks industry median Return-on-Tangible-Asset is 0.99. Hypothekarbank Lenzburg AG's value of 0.29% is 70.7% below this industry median. Based on the distribution chart, Hypothekarbank Lenzburg AG ranks #1359 out of 1529 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Hypothekarbank Lenzburg AG has a GF Score™ of 51/100, reflecting its overall financial health beyond just this single metric.
How does Hypothekarbank Lenzburg AG's Return-on-Tangible-Asset compare to RKT and FNMA?
According to the Banks industry distribution chart, Hypothekarbank Lenzburg AG ranks #1359 out of 1529 companies for Return-on-Tangible-Asset. This places Hypothekarbank Lenzburg AG in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Hypothekarbank Lenzburg AG's value of 0.29% is 70.7% below this benchmark. Historically, Hypothekarbank Lenzburg AG's own Return-on-Tangible-Asset has ranged from 0.25 to 0.45 over the past decade. While the company's 10-year median is 0.32 vs. the industry median of 0.99, Hypothekarbank Lenzburg AG has consistently been below 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. Hypothekarbank Lenzburg AG's current Return-on-Tangible-Asset of 0.29% is 70.7% below 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 Hypothekarbank Lenzburg AG 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. Hypothekarbank Lenzburg AG's current Return-on-Tangible-Asset is 0.29%, which is near median its own 10-year median of 0.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hypothekarbank Lenzburg AG stock overvalued right now?
Hypothekarbank Lenzburg AG (LTS:0QLK) has a current Return-on-Tangible-Asset of 0.29%. The stock's GF Value™ is CHF4,966.81, compared to a current price of CHF4,100.00 — trading 17.5% below its estimated fair value. The current Return-on-Tangible-Asset is 0.29%, which is near median its 10-year median of 0.32 and 70.7% below the Banks industry median of 0.99. Hypothekarbank Lenzburg AG's overall GF Score™ is 51/100 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 Hypothekarbank Lenzburg AG (LTS:0QLK), the current Return-on-Tangible-Asset is 0.29% 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 Hypothekarbank Lenzburg AG (LTS:0QLK) Overvalued in 2026?
Based on GuruFocus' analysis, Hypothekarbank Lenzburg AG stock appears to be undervalued.
The current stock price of CHF4,100.00 is trading 17.5% below its estimated GF Value™ of CHF4,966.81.
Key valuation signals for LTS:0QLK:
Return-on-Tangible-Asset: 0.29% (near median its 10-year median of 0.32)
GF Value™: CHF4,966.81 vs. price of CHF4,100.00 (17.5% below fair value)
Industry Position: 70.7% below the Banks median (#1359 of 1529)
No single metric tells the full story. See the LTS:0QLK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hypothekarbank Lenzburg AG is a Swiss mortgage bank. The Bank provides lending and other general banking services. It also focuses on housing construction, commercial, industrial, and Rest properties. It provides consultation services, mortgage, investment options to its clients and E-banking service.
51GF Score
Get the complete analysis for LTS:0QLK
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