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Raiffeisen Bank Aval JSCPFTS:BAVL Return-on-Tangible-Asset is 2.06% as of Mar. 2026, which is 54% below its 10-year median of 4.49. The stock has 2 warning signs investors should review. Among 1,529 Banks companies, Raiffeisen Bank Aval JSC ranks better than 97.06% 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. Raiffeisen Bank Aval JSC's annualizedNet Income for the quarter that ended in Mar. 2026 was ₴5,183 Mil. Raiffeisen Bank Aval JSC's average total tangible assets for the quarter that ended in Mar. 2026 was ₴251,898 Mil. Therefore, Raiffeisen Bank Aval JSC's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 2.06%.
The historical rank and industry rank for Raiffeisen Bank Aval JSC's Return-on-Tangible-Asset or its related term are showing as below:
PFTS:BAVL'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.1 Med: 4.49 Max: 8.62
Current: 4.06
During the past 13 years, Raiffeisen Bank Aval JSC's highest Return-on-Tangible-Asset was 8.62%. The lowest was 1.10%. And the median was 4.49%.
PFTS:BAVL's Return-on-Tangible-Asset is ranked better than 97.06% of 1529
companies
in the Banks industry
Industry Median: 0.99
vs PFTS:BAVL: 4.06
Raiffeisen Bank Aval JSC (PFTS:BAVL) 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.
Raiffeisen Bank Aval JSC Return-on-Tangible-Asset Related Terms
Raiffeisen Bank Aval JSC Return-on-Tangible-Asset Historical Data
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The historical data trend for Raiffeisen Bank Aval JSC'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.
Raiffeisen Bank Aval JSC Return-on-Tangible-Asset Chart
PFTS:BAVL vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Raiffeisen Bank Aval JSC'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.
Raiffeisen Bank Aval JSC Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Raiffeisen Bank Aval JSC's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Raiffeisen Bank Aval JSC'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 2.06% mean?
Raiffeisen Bank Aval JSC (PFTS:BAVL) has a Return-on-Tangible-Asset of 2.06% 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 Raiffeisen Bank Aval JSC and its competitors. This is 54% below median its historical median of 4.49. Over the past decade, Raiffeisen Bank Aval JSC's Return-on-Tangible-Asset has ranged from 1.10 to 8.62. According to the industry distribution chart, Raiffeisen Bank Aval JSC ranks #45 out of 1529 companies in the Banks industry, placing it in the top 2.9%.
Is Raiffeisen Bank Aval JSC's Return-on-Tangible-Asset too high?
Raiffeisen Bank Aval JSC's current Return-on-Tangible-Asset of 2.06% is 54% below median its 10-year median of 4.49. Over the past 10 years, this metric has ranged from a low of 1.10 to a high of 8.62. The Banks industry median Return-on-Tangible-Asset is 0.99. Raiffeisen Bank Aval JSC's value of 2.06% is 108.1% above this industry median. Based on the distribution chart, Raiffeisen Bank Aval JSC ranks #45 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position relative to peers.
How does Raiffeisen Bank Aval JSC's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Raiffeisen Bank Aval JSC ranks #45 out of 1529 companies for Return-on-Tangible-Asset. This places Raiffeisen Bank Aval JSC in the top 3% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Raiffeisen Bank Aval JSC's value of 2.06% is 108.1% above this benchmark. Historically, Raiffeisen Bank Aval JSC's own Return-on-Tangible-Asset has ranged from 1.10 to 8.62 over the past decade. While the company's 10-year median is 4.49 vs. the industry median of 0.99, Raiffeisen Bank Aval JSC 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. Raiffeisen Bank Aval JSC's current Return-on-Tangible-Asset of 2.06% is 108.1% 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 Raiffeisen Bank Aval JSC 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. Raiffeisen Bank Aval JSC's current Return-on-Tangible-Asset is 2.06%, which is 54% below median its own 10-year median of 4.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raiffeisen Bank Aval JSC stock overvalued right now?
Based on GuruFocus' analysis, Raiffeisen Bank Aval JSC (PFTS:BAVL) is currently considered Fairly Valued. The stock's GF Value™ is ₴0.46, compared to a current price of ₴0.46 — trading 0.6% above its estimated fair value. The current Return-on-Tangible-Asset is 2.06%, which is 54% below median its 10-year median of 4.49 and 108.1% above the Banks industry median of 0.99. 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 Raiffeisen Bank Aval JSC (PFTS:BAVL), the current Return-on-Tangible-Asset is 2.06% 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.
Raiffeisen Bank Aval JSC is a Ukraine based bank. It provides banking services to private individuals, corporate clients, and small and micro enterprises in Ukraine through electronic channels. It offers services and products to private individuals, including deposits; money transfers in UAH and foreign currencies, with or without opening an account; a wide list of new payment instruments including MasterCard and Visa International cards; consumer loans and many others. Its segments include Corporate & Small enterprises, Micro customers & Private individuals, Financial institutions, and Proprietary business. The majority of its revenue comes from Corporate & Small enterprises segment.
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