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Banco GuayaquilXGUA:GYL -0.42%55 Return-on-Tangible-Asset is 1.55% as of Mar. 2026, which is 5% above its 10-year median of 1.47. GuruFocus rates XGUA:GYL with a GF Score™ of 55/100 and a GF Value™ of $1.22 (Significantly Overvalued). Among 1,523 Banks companies, Banco Guayaquil ranks better than 82.73% 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 Guayaquil's annualizedNet Income for the quarter that ended in Mar. 2026 was $156.0 Mil. Banco Guayaquil's average total tangible assets for the quarter that ended in Mar. 2026 was $10,094.2 Mil. Therefore, Banco Guayaquil's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.55%.
The historical rank and industry rank for Banco Guayaquil's Return-on-Tangible-Asset or its related term are showing as below:
XGUA:GYL'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.61 Med: 1.47 Max: 1.72
Current: 1.72
During the past 13 years, Banco Guayaquil's highest Return-on-Tangible-Asset was 1.72%. The lowest was 0.61%. And the median was 1.47%.
XGUA:GYL's Return-on-Tangible-Asset is ranked better than 82.73% of 1523
companies
in the Banks industry
Industry Median: 1.03
vs XGUA:GYL: 1.72
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 Guayaquil Return-on-Tangible-Asset Related Terms
Banco Guayaquil Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Banco Guayaquil'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.
XGUA:GYL vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Banco Guayaquil'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 Guayaquil Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Banco Guayaquil's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Banco Guayaquil'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 1.55% mean?
Banco Guayaquil (XGUA:GYL) has a Return-on-Tangible-Asset of 1.55% 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 Banco Guayaquil and its competitors. This is near median its historical median of 1.47. Over the past decade, Banco Guayaquil's Return-on-Tangible-Asset has ranged from 0.61 to 1.72. According to the industry distribution chart, Banco Guayaquil ranks #263 out of 1523 companies in the Banks industry, placing it in the top 17.3%.
Is Banco Guayaquil's Return-on-Tangible-Asset too high?
Banco Guayaquil's current Return-on-Tangible-Asset of 1.55% is near median its 10-year median of 1.47. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 1.72. The Banks industry median Return-on-Tangible-Asset is 1.03. Banco Guayaquil's value of 1.55% is 50.5% above this industry median. Based on the distribution chart, Banco Guayaquil ranks #263 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banco Guayaquil has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Guayaquil's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Banco Guayaquil ranks #263 out of 1523 companies for Return-on-Tangible-Asset. This places Banco Guayaquil in the top 17% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.03. Banco Guayaquil's value of 1.55% is 50.5% above this benchmark. Historically, Banco Guayaquil's own Return-on-Tangible-Asset has ranged from 0.61 to 1.72 over the past decade. While the company's 10-year median is 1.47 vs. the industry median of 1.03, Banco Guayaquil 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 1.03, based on 1,523 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 Guayaquil's current Return-on-Tangible-Asset of 1.55% is 50.5% 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 Banco Guayaquil and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Guayaquil's current Return-on-Tangible-Asset is 1.55%, which is near median its own 10-year median of 1.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Guayaquil stock overvalued right now?
Based on GuruFocus' analysis, Banco Guayaquil (XGUA:GYL) is currently considered Significantly Overvalued. The stock's GF Value™ is $1.22, compared to a current price of $2.36 — trading 93.4% above its estimated fair value. The current Return-on-Tangible-Asset is 1.55%, which is near median its 10-year median of 1.47 and 50.5% above the Banks industry median of 1.03. Banco Guayaquil's overall GF Score™ is 55/100. 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 Guayaquil (XGUA:GYL), the current Return-on-Tangible-Asset is 1.55% 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 Banco Guayaquil (XGUA:GYL) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Guayaquil stock appears to be overvalued.
The current stock price of $2.36 is trading 93.4% above its estimated GF Value™ of $1.22.
GuruFocus considers Banco Guayaquil to be Significantly Overvalued.
Key valuation signals for XGUA:GYL:
Return-on-Tangible-Asset: 1.55% (near median its 10-year median of 1.47)
GF Value™: $1.22 vs. price of $2.36 (93.4% above fair value)
Industry Position: 50.5% above the Banks median (#263 of 1523)
No single metric tells the full story. See the XGUA:GYL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Guayaquil SA provides various banking and financial services through its vast network of ATMs and various branches, mainly in Ecuador. It offers loans, accepts deposits, provides digital banking services, issues debit and credit cards, and offers financing and investment products and services, among others. The bank's economic activities are grouped into different lines of business: corporate banking, personal banking, educational banking, housing banking, microcredit, and other financial services.
55GF Score
Get the complete analysis for XGUA:GYL
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