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Banco Pichincha CAQUI:PCD +1.43%100 Return-on-Tangible-Asset is 0.95% as of Dec. 2025, which is 40% above its 10-year median of 0.68. GuruFocus rates QUI:PCD with a GF Score™ of 100/100 and a GF Value™ of $107.82 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,524 Banks companies, Banco Pichincha CA ranks worse than 53.48% 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. Banco Pichincha CA's annualizedNet Income for the quarter that ended in Dec. 2025 was $237 Mil. Banco Pichincha CA's average total tangible assets for the quarter that ended in Dec. 2025 was $24,956 Mil. Therefore, Banco Pichincha CA's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 0.95%.
The historical rank and industry rank for Banco Pichincha CA's Return-on-Tangible-Asset or its related term are showing as below:
QUI:PCD'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.29 Med: 0.68 Max: 1.03
Current: 0.95
During the past 10 years, Banco Pichincha CA's highest Return-on-Tangible-Asset was 1.03%. The lowest was 0.29%. And the median was 0.68%.
QUI:PCD's Return-on-Tangible-Asset is ranked worse than 53.48% of 1524
companies
in the Banks industry
Industry Median: 0.995
vs QUI:PCD: 0.95
Banco Pichincha CA (QUI:PCD) 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.
Banco Pichincha CA Return-on-Tangible-Asset Related Terms
Banco Pichincha CA Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Banco Pichincha CA'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.
QUI:PCD vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Banco Pichincha CA'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.
Banco Pichincha CA Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Banco Pichincha CA's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Banco Pichincha CA'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 one times the annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 0.95% mean?
Banco Pichincha CA (QUI:PCD) has a Return-on-Tangible-Asset of 0.95% 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 Banco Pichincha CA and its competitors. This is 40% above median its historical median of 0.68. Over the past decade, Banco Pichincha CA's Return-on-Tangible-Asset has ranged from 0.29 to 1.03. According to the industry distribution chart, Banco Pichincha CA ranks #815 out of 1524 companies in the Banks industry, placing it in the top 53.5%.
Is Banco Pichincha CA's Return-on-Tangible-Asset too high?
Banco Pichincha CA's current Return-on-Tangible-Asset of 0.95% is 40% above median its 10-year median of 0.68. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 1.03. The Banks industry median Return-on-Tangible-Asset is 1.00. Banco Pichincha CA's value of 0.95% is 4.5% below this industry median. Based on the distribution chart, Banco Pichincha CA ranks #815 out of 1524 companies in the Banks industry, which is below the industry midpoint. Overall, Banco Pichincha CA has a GF Score™ of 100/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Pichincha CA's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Banco Pichincha CA ranks #815 out of 1524 companies for Return-on-Tangible-Asset. This places Banco Pichincha CA in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.00. Banco Pichincha CA's value of 0.95% is 4.5% below this benchmark. Historically, Banco Pichincha CA's own Return-on-Tangible-Asset has ranged from 0.29 to 1.03 over the past decade. While the company's 10-year median is 0.68 vs. the industry median of 1.00, Banco Pichincha CA 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 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. Banco Pichincha CA's current Return-on-Tangible-Asset of 0.95% is 4.5% 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 Banco Pichincha CA 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. Banco Pichincha CA's current Return-on-Tangible-Asset is 0.95%, which is 40% above median its own 10-year median of 0.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Pichincha CA stock overvalued right now?
Based on GuruFocus' analysis, Banco Pichincha CA (QUI:PCD) is currently considered Significantly Overvalued. The stock's GF Value™ is $107.82, compared to a current price of $142.00 — trading 31.7% above its estimated fair value. The current Return-on-Tangible-Asset is 0.95%, which is 40% above median its 10-year median of 0.68 and 4.5% below the Banks industry median of 1.00. Banco Pichincha CA's overall GF Score™ is 100/100 with 3 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 Banco Pichincha CA (QUI:PCD), the current Return-on-Tangible-Asset is 0.95% 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 Banco Pichincha CA (QUI:PCD) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Pichincha CA stock appears to be overvalued.
The current stock price of $142.00 is trading 31.7% above its estimated GF Value™ of $107.82.
GuruFocus considers Banco Pichincha CA to be Significantly Overvalued.
Key valuation signals for QUI:PCD:
Return-on-Tangible-Asset: 0.95% (40% above median its 10-year median of 0.68)
GF Value™: $107.82 vs. price of $142.00 (31.7% above fair value)
Industry Position: 4.5% below the Banks median (#815 of 1524)
No single metric tells the full story. See the QUI:PCD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Pichincha CA provides banking services in Ecuador. The products and services of the bank include electronic banking, savings account, current account, debit cards, credit cards, and other related services.
100GF Score
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