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ING Bank SlaskiWAR:ING -2.16%70 Return-on-Tangible-Asset is 1.13% as of Mar. 2026, which is 2% below its 10-year median of 1.15. GuruFocus rates WAR:ING with a GF Score™ of 70/100 and a GF Value™ of zł321.11 (Significantly Overvalued). The stock has 10 warning signs investors should review. Among 1,529 Banks companies, ING Bank Slaski ranks better than 78.81% 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. ING Bank Slaski's annualizedNet Income for the quarter that ended in Mar. 2026 was zł3,292 Mil. ING Bank Slaski's average total tangible assets for the quarter that ended in Mar. 2026 was zł291,932 Mil. Therefore, ING Bank Slaski's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.13%.
The historical rank and industry rank for ING Bank Slaski's Return-on-Tangible-Asset or its related term are showing as below:
WAR:ING'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.78 Med: 1.15 Max: 1.92
Current: 1.57
During the past 13 years, ING Bank Slaski's highest Return-on-Tangible-Asset was 1.92%. The lowest was 0.78%. And the median was 1.15%.
WAR:ING's Return-on-Tangible-Asset is ranked better than 78.81% of 1529
companies
in the Banks industry
Industry Median: 0.99
vs WAR:ING: 1.57
ING Bank Slaski (WAR:ING) 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.
ING Bank Slaski Return-on-Tangible-Asset Related Terms
ING Bank Slaski Return-on-Tangible-Asset Historical Data
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The historical data trend for ING Bank Slaski'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.
WAR:ING vs PNC: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, ING Bank Slaski'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.
ING Bank Slaski Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, ING Bank Slaski's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where ING Bank Slaski'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 1.13% mean?
ING Bank Slaski (WAR:ING) has a Return-on-Tangible-Asset of 1.13% 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 ING Bank Slaski and its competitors. This is near median its historical median of 1.15. Over the past decade, ING Bank Slaski's Return-on-Tangible-Asset has ranged from 0.78 to 1.92. According to the industry distribution chart, ING Bank Slaski ranks #324 out of 1529 companies in the Banks industry, placing it in the top 21.2%.
Is ING Bank Slaski's Return-on-Tangible-Asset too high?
ING Bank Slaski's current Return-on-Tangible-Asset of 1.13% is near median its 10-year median of 1.15. Over the past 10 years, this metric has ranged from a low of 0.78 to a high of 1.92. The Banks industry median Return-on-Tangible-Asset is 0.99. ING Bank Slaski's value of 1.13% is 14.1% above this industry median. Based on the distribution chart, ING Bank Slaski ranks #324 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, ING Bank Slaski has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ING Bank Slaski's Return-on-Tangible-Asset compare to PNC?
According to the Banks industry distribution chart, ING Bank Slaski ranks #324 out of 1529 companies for Return-on-Tangible-Asset. This places ING Bank Slaski in the top 21% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. ING Bank Slaski's value of 1.13% is 14.1% above this benchmark. Historically, ING Bank Slaski's own Return-on-Tangible-Asset has ranged from 0.78 to 1.92 over the past decade. While the company's 10-year median is 1.15 vs. the industry median of 0.99, ING Bank Slaski 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. ING Bank Slaski's current Return-on-Tangible-Asset of 1.13% is 14.1% 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 ING Bank Slaski 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. ING Bank Slaski's current Return-on-Tangible-Asset is 1.13%, which is near median its own 10-year median of 1.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ING Bank Slaski stock overvalued right now?
Based on GuruFocus' analysis, ING Bank Slaski (WAR:ING) is currently considered Significantly Overvalued. The stock's GF Value™ is zł321.11, compared to a current price of zł462.80 — trading 44.1% above its estimated fair value. The current Return-on-Tangible-Asset is 1.13%, which is near median its 10-year median of 1.15 and 14.1% above the Banks industry median of 0.99. ING Bank Slaski's overall GF Score™ is 70/100 with 10 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 ING Bank Slaski (WAR:ING), the current Return-on-Tangible-Asset is 1.13% 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.
Is ING Bank Slaski (WAR:ING) Overvalued in 2026?
Based on GuruFocus' analysis, ING Bank Slaski stock appears to be overvalued.
The current stock price of zł462.80 is trading 44.1% above its estimated GF Value™ of zł321.11.
GuruFocus considers ING Bank Slaski to be Significantly Overvalued.
Key valuation signals for WAR:ING:
Return-on-Tangible-Asset: 1.13% (near median its 10-year median of 1.15)
GF Value™: zł321.11 vs. price of zł462.80 (44.1% above fair value)
Industry Position: 14.1% above the Banks median (#324 of 1529)
No single metric tells the full story. See the WAR:ING stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ING Bank Slaski SA offers a broad range of banking services rendered to individual and institutional clients in line with the scope of services outlined in the Bank's charter. The Bank runs operations both in the home currency and in foreign currencies. Additionally, through subsidiaries, the Group conducts leasing and factoring activity, advisory and acts as a financial intermediary as well as provides other financial services. The Group's business model includes the division of clients into two main segments namely the retail banking segment and corporate banking segment. The Group pursues business within the territory of the Republic of Poland.
70GF Score
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