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Banqueudi FransiSAU:1050 +2.42%70 Return-on-Tangible-Asset is 1.82% as of Jun. 2026, which is 8% above its 10-year median of 1.69. GuruFocus rates SAU:1050 with a GF Score™ of 70/100 and a GF Value™ of ﷼19.58 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,527 Banks companies, Banqueudi Fransi ranks better than 83.24% 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. Banqueudi Fransi's annualizedNet Income for the quarter that ended in Jun. 2026 was ﷼5,947 Mil. Banqueudi Fransi's average total tangible assets for the quarter that ended in Jun. 2026 was ﷼326,397 Mil. Therefore, Banqueudi Fransi's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 1.82%.
The historical rank and industry rank for Banqueudi Fransi's Return-on-Tangible-Asset or its related term are showing as below:
SAU:1050'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.73 Med: 1.69 Max: 1.81
Current: 1.74
During the past 13 years, Banqueudi Fransi's highest Return-on-Tangible-Asset was 1.81%. The lowest was 0.73%. And the median was 1.69%.
SAU:1050's Return-on-Tangible-Asset is ranked better than 83.24% of 1527
companies
in the Banks industry
Industry Median: 1.02
vs SAU:1050: 1.74
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.
Banqueudi Fransi Return-on-Tangible-Asset Related Terms
Banqueudi Fransi Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Banqueudi Fransi'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.
SAU:1050 vs PNC: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Banqueudi Fransi'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.
Banqueudi Fransi Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Banqueudi Fransi's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Banqueudi Fransi'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 (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.82% mean?
Banqueudi Fransi (SAU:1050) has a Return-on-Tangible-Asset of 1.82% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Banqueudi Fransi and its competitors. This is near median its historical median of 1.69. Over the past decade, Banqueudi Fransi's Return-on-Tangible-Asset has ranged from 0.73 to 1.81. According to the industry distribution chart, Banqueudi Fransi ranks #256 out of 1527 companies in the Banks industry, placing it in the top 16.8%.
Is Banqueudi Fransi's Return-on-Tangible-Asset too high?
Banqueudi Fransi's current Return-on-Tangible-Asset of 1.82% is near median its 10-year median of 1.69. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 1.81. The Banks industry median Return-on-Tangible-Asset is 1.02. Banqueudi Fransi's value of 1.82% is 78.4% above this industry median. Based on the distribution chart, Banqueudi Fransi ranks #256 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banqueudi Fransi has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banqueudi Fransi's Return-on-Tangible-Asset compare to PNC?
According to the Banks industry distribution chart, Banqueudi Fransi ranks #256 out of 1527 companies for Return-on-Tangible-Asset. This places Banqueudi Fransi in the top 17% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.02. Banqueudi Fransi's value of 1.82% is 78.4% above this benchmark. Historically, Banqueudi Fransi's own Return-on-Tangible-Asset has ranged from 0.73 to 1.81 over the past decade. While the company's 10-year median is 1.69 vs. the industry median of 1.02, Banqueudi Fransi 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 1.02, based on 1,527 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. Banqueudi Fransi's current Return-on-Tangible-Asset of 1.82% is 78.4% 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 Banqueudi Fransi and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banqueudi Fransi's current Return-on-Tangible-Asset is 1.82%, which is near median its own 10-year median of 1.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banqueudi Fransi stock overvalued right now?
Based on GuruFocus' analysis, Banqueudi Fransi (SAU:1050) is currently considered Fairly Valued. The stock's GF Value™ is ﷼19.58, compared to a current price of ﷼20.79 — trading 6.2% above its estimated fair value. The current Return-on-Tangible-Asset is 1.82%, which is near median its 10-year median of 1.69 and 78.4% above the Banks industry median of 1.02. Banqueudi Fransi's overall GF Score™ is 70/100 with 7 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 Banqueudi Fransi (SAU:1050), the current Return-on-Tangible-Asset is 1.82% as of Jun. 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 Banqueudi Fransi (SAU:1050) Overvalued in 2026?
Based on GuruFocus' analysis, Banqueudi Fransi stock appears to be overvalued.
The current stock price of ﷼20.79 is trading 6.2% above its estimated GF Value™ of ﷼19.58.
GuruFocus considers Banqueudi Fransi to be Fairly Valued.
Key valuation signals for SAU:1050:
Return-on-Tangible-Asset: 1.82% (near median its 10-year median of 1.69)
GF Value™: ﷼19.58 vs. price of ﷼20.79 (6.2% above fair value)
Industry Position: 78.4% above the Banks median (#256 of 1527)
No single metric tells the full story. See the SAU:1050 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banque Saudi Fransi is a full-service Bank that includes Islamic products, which are approved and supervised by an independent Shariah Board. It offers a comprehensive suite of financial solutions in corporate and retail banking, as well as investment banking, asset management, investment funds, and brokerage services. The company's reportable segments are: Retail Banking, Corporate Banking, Treasury, Investment banking and brokerage. The majority of the company's revenue is derived from the Corporate Banking segment. Geographically, it has a presence in Saudi Arabia, the Middle East, Europe, North America and Other Countries.
70GF Score
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