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.
Lea Bank ABOSTO:LEA +2.27%5 Return-on-Tangible-Asset is 1.18% as of Mar. 2026, which is 5% below its 10-year median of 1.24. GuruFocus rates OSTO:LEA with a GF Score™ of 5/100. The stock has 4 warning signs investors should review. Among 1,524 Banks companies, Lea Bank AB ranks better than 67.06% 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. Lea Bank AB's annualizedNet Income for the quarter that ended in Mar. 2026 was kr125.5 Mil. Lea Bank AB's average total tangible assets for the quarter that ended in Mar. 2026 was kr10,622.0 Mil. Therefore, Lea Bank AB's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.18%.
The historical rank and industry rank for Lea Bank AB's Return-on-Tangible-Asset or its related term are showing as below:
OSTO:LEA'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -0.04 Med: 1.24 Max: 1.92
Current: 1.27
During the past 4 years, Lea Bank AB's highest Return-on-Tangible-Asset was 1.92%. The lowest was -0.04%. And the median was 1.24%.
OSTO:LEA's Return-on-Tangible-Asset is ranked better than 67.06% of 1524
companies
in the Banks industry
Industry Median: 1
vs OSTO:LEA: 1.27
Lea Bank AB (OSTO:LEA) 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.
Lea Bank AB Return-on-Tangible-Asset Related Terms
Lea Bank AB Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Lea Bank AB'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.
OSTO:LEA vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Lea Bank AB'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.
Lea Bank AB Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Lea Bank AB's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Lea Bank AB'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 1.18% mean?
Lea Bank AB (OSTO:LEA) has a Return-on-Tangible-Asset of 1.18% 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 Lea Bank AB and its competitors. This is near median its historical median of 1.24. According to the industry distribution chart, Lea Bank AB ranks #502 out of 1524 companies in the Banks industry, placing it in the top 32.9%.
Is Lea Bank AB's Return-on-Tangible-Asset too high?
Lea Bank AB's current Return-on-Tangible-Asset of 1.18% is near median its 10-year median of 1.24. The Banks industry median Return-on-Tangible-Asset is 1.00. Lea Bank AB's value of 1.18% is 18% above this industry median. Based on the distribution chart, Lea Bank AB ranks #502 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, Lea Bank AB has a GF Score™ of 5/100, reflecting its overall financial health beyond just this single metric.
How does Lea Bank AB's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Lea Bank AB ranks #502 out of 1524 companies for Return-on-Tangible-Asset. This puts Lea Bank AB in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.00. Lea Bank AB's value of 1.18% is 18% above this benchmark. While the company's 10-year median is 1.24 vs. the industry median of 1.00, Lea Bank AB 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 1.00, based on 1,524 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. Lea Bank AB's current Return-on-Tangible-Asset of 1.18% is 18% 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 Lea Bank AB and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lea Bank AB's current Return-on-Tangible-Asset is 1.18%, which is near median its own 10-year median of 1.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lea Bank AB stock overvalued right now?
Lea Bank AB (OSTO:LEA) has a current Return-on-Tangible-Asset of 1.18%. The current Return-on-Tangible-Asset is 1.18%, which is near median its 10-year median of 1.24 and 18% above the Banks industry median of 1.00. Lea Bank AB's overall GF Score™ is 5/100 with 4 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 Lea Bank AB (OSTO:LEA), the current Return-on-Tangible-Asset is 1.18% 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.
Lea Bank AB is a digital niche bank. The bank offers unsecured loans and deposit products to the consumer market. The bank has lending operations in Sweden, Norway, Finland, and Spain, and offers deposit products in Sweden, Norway, Finland, Germany, Spain, Austria, and France.
5GF Score
Get the complete analysis for OSTO:LEA
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
OSTO:LEA has been successfully added to your 
