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BNP Paribas Bank PolskaWAR:BNP -2.07%72 Return-on-Tangible-Asset is 1.35% as of Jun. 2026, which is 181% above its 10-year median of 0.48. GuruFocus rates WAR:BNP with a GF Score™ of 72/100 and a GF Value™ of zł104.48 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,530 Banks companies, BNP Paribas Bank Polska ranks better than 75.03% 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. BNP Paribas Bank Polska's annualizedNet Income for the quarter that ended in Jun. 2026 was zł2,399 Mil. BNP Paribas Bank Polska's average total tangible assets for the quarter that ended in Jun. 2026 was zł178,193 Mil. Therefore, BNP Paribas Bank Polska's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 1.35%.
The historical rank and industry rank for BNP Paribas Bank Polska's Return-on-Tangible-Asset or its related term are showing as below:
WAR:BNP'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.11 Med: 0.48 Max: 1.77
Current: 1.47
During the past 13 years, BNP Paribas Bank Polska's highest Return-on-Tangible-Asset was 1.77%. The lowest was 0.11%. And the median was 0.48%.
WAR:BNP's Return-on-Tangible-Asset is ranked better than 75.03% of 1530
companies
in the Banks industry
Industry Median: 1.015
vs WAR:BNP: 1.47
BNP Paribas Bank Polska (WAR:BNP) 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.
BNP Paribas Bank Polska Return-on-Tangible-Asset Related Terms
BNP Paribas Bank Polska Return-on-Tangible-Asset Historical Data
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The historical data trend for BNP Paribas Bank Polska'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.
BNP Paribas Bank Polska Return-on-Tangible-Asset Chart
WAR:BNP vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, BNP Paribas Bank Polska'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.
BNP Paribas Bank Polska Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, BNP Paribas Bank Polska's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where BNP Paribas Bank Polska'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 1.35% mean?
BNP Paribas Bank Polska (WAR:BNP) has a Return-on-Tangible-Asset of 1.35% 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 BNP Paribas Bank Polska and its competitors. This is 181% above median its historical median of 0.48. Over the past decade, BNP Paribas Bank Polska's Return-on-Tangible-Asset has ranged from 0.11 to 1.77. According to the industry distribution chart, BNP Paribas Bank Polska ranks #382 out of 1530 companies in the Banks industry, placing it in the top 25%.
Is BNP Paribas Bank Polska's Return-on-Tangible-Asset too high?
BNP Paribas Bank Polska's current Return-on-Tangible-Asset of 1.35% is 181% above median its 10-year median of 0.48. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 1.77. The Banks industry median Return-on-Tangible-Asset is 1.02. BNP Paribas Bank Polska's value of 1.35% is 33% above this industry median. Based on the distribution chart, BNP Paribas Bank Polska ranks #382 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BNP Paribas Bank Polska has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BNP Paribas Bank Polska's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, BNP Paribas Bank Polska ranks #382 out of 1530 companies for Return-on-Tangible-Asset. This places BNP Paribas Bank Polska in the top 25% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.02. BNP Paribas Bank Polska's value of 1.35% is 33% above this benchmark. Historically, BNP Paribas Bank Polska's own Return-on-Tangible-Asset has ranged from 0.11 to 1.77 over the past decade. While the company's 10-year median is 0.48 vs. the industry median of 1.02, BNP Paribas Bank Polska 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 1,530 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. BNP Paribas Bank Polska's current Return-on-Tangible-Asset of 1.35% is 33% 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 BNP Paribas Bank Polska 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. BNP Paribas Bank Polska's current Return-on-Tangible-Asset is 1.35%, which is 181% above median its own 10-year median of 0.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BNP Paribas Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, BNP Paribas Bank Polska (WAR:BNP) is currently considered Significantly Overvalued. The stock's GF Value™ is zł104.48, compared to a current price of zł151.60 — trading 45.1% above its estimated fair value. The current Return-on-Tangible-Asset is 1.35%, which is 181% above median its 10-year median of 0.48 and 33% above the Banks industry median of 1.02. BNP Paribas Bank Polska's overall GF Score™ is 72/100 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 BNP Paribas Bank Polska (WAR:BNP), the current Return-on-Tangible-Asset is 1.35% 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 BNP Paribas Bank Polska (WAR:BNP) Overvalued in 2026?
Based on GuruFocus' analysis, BNP Paribas Bank Polska stock appears to be overvalued.
The current stock price of zł151.60 is trading 45.1% above its estimated GF Value™ of zł104.48.
GuruFocus considers BNP Paribas Bank Polska to be Significantly Overvalued.
Key valuation signals for WAR:BNP:
Return-on-Tangible-Asset: 1.35% (181% above median its 10-year median of 0.48)
GF Value™: zł104.48 vs. price of zł151.60 (45.1% above fair value)
Industry Position: 33% above the Banks median (#382 of 1530)
No single metric tells the full story. See the WAR:BNP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BNP Paribas Bank Polska SA is a universal commercial bank offering a wide range of banking services provided to individual and institutional customers in accordance with the scope of services specified in the Bank's Articles of Association. The Bank operates both in Polish zlotys and foreign currencies and actively participates in trading on domestic and foreign financial markets. In addition, through its subsidiaries, the Group conducts brokerage and leasing activities and provides other financial services. Its reportable operating segments include Retail and Business Banking, Small and Medium-Sized Enterprises (SME), Corporate Banking, Corporate and Institutional Banking (CIB), and Other Operations, including ALM Treasury and the Corporate Centre.
72GF Score
Get the complete analysis for WAR:BNP
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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