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Jacob Finance And InvestmentsXTAE:JCFN +1.58%75 Return-on-Tangible-Asset is 2.98% as of Mar. 2026, which is 7% below its 10-year median of 3.19. GuruFocus rates XTAE:JCFN with a GF Score™ of 75/100 and a GF Value™ of ₪27.43 (Fairly Valued). The stock has 2 warning signs investors should review. Among 546 Credit Services companies, Jacob Finance And Investments ranks better than 63.19% on this metric.
The historical rank and industry rank for Jacob Finance And Investments's Return-on-Tangible-Asset or its related term are showing as below:
XTAE:JCFN'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -0.27 Med: 3.19 Max: 3.77
Current: 3.08
During the past 8 years, Jacob Finance And Investments's highest Return-on-Tangible-Asset was 3.77%. The lowest was -0.27%. And the median was 3.19%.
XTAE:JCFN's Return-on-Tangible-Asset is ranked better than 63.19% of 546
companies
in the Credit Services industry
Industry Median: 2.015
vs XTAE:JCFN: 3.08
Jacob Finance And Investments (XTAE:JCFN) 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.
Jacob Finance And Investments Return-on-Tangible-Asset Related Terms
Jacob Finance And Investments Return-on-Tangible-Asset Historical Data
* 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.
Jacob Finance And Investments Return-on-Tangible-Asset Chart
XTAE:JCFN vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Jacob Finance And Investments'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.
Jacob Finance And Investments Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jacob Finance And Investments's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Jacob Finance And Investments'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 2.98% mean?
Jacob Finance And Investments (XTAE:JCFN) has a Return-on-Tangible-Asset of 2.98% 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 Jacob Finance And Investments and its competitors. This is near median its historical median of 3.19. According to the industry distribution chart, Jacob Finance And Investments ranks #201 out of 546 companies in the Credit Services industry, placing it in the top 36.8%.
Is Jacob Finance And Investments' Return-on-Tangible-Asset too high?
Jacob Finance And Investments' current Return-on-Tangible-Asset of 2.98% is near median its 10-year median of 3.19. The Credit Services industry median Return-on-Tangible-Asset is 2.02. Jacob Finance And Investments' value of 2.98% is 47.9% above this industry median. Based on the distribution chart, Jacob Finance And Investments ranks #201 out of 546 companies in the Credit Services industry, which is above the industry midpoint. Overall, Jacob Finance And Investments has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jacob Finance And Investments' Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Jacob Finance And Investments ranks #201 out of 546 companies for Return-on-Tangible-Asset. This puts Jacob Finance And Investments in the upper half of its industry. The industry median Return-on-Tangible-Asset is 2.02. Jacob Finance And Investments' value of 2.98% is 47.9% above this benchmark. While the company's 10-year median is 3.19 vs. the industry median of 2.02, Jacob Finance And Investments 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 Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 2.02, based on 546 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. Jacob Finance And Investments's current Return-on-Tangible-Asset of 2.98% is 47.9% 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 Jacob Finance And Investments and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 2.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jacob Finance And Investments's current Return-on-Tangible-Asset is 2.98%, which is near median its own 10-year median of 3.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jacob Finance And Investments stock overvalued right now?
Based on GuruFocus' analysis, Jacob Finance And Investments (XTAE:JCFN) is currently considered Fairly Valued. The stock's GF Value™ is ₪27.43, compared to a current price of ₪29.52 — trading 7.6% above its estimated fair value. The current Return-on-Tangible-Asset is 2.98%, which is near median its 10-year median of 3.19 and 47.9% above the Credit Services industry median of 2.02. Jacob Finance And Investments' overall GF Score™ is 75/100 with 2 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 Jacob Finance And Investments (XTAE:JCFN), the current Return-on-Tangible-Asset is 2.98% 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 Jacob Finance And Investments (XTAE:JCFN) Overvalued in 2026?
Based on GuruFocus' analysis, Jacob Finance And Investments stock appears to be overvalued.
The current stock price of ₪29.52 is trading 7.6% above its estimated GF Value™ of ₪27.43.
GuruFocus considers Jacob Finance And Investments to be Fairly Valued.
Key valuation signals for XTAE:JCFN:
Return-on-Tangible-Asset: 2.98% (near median its 10-year median of 3.19)
GF Value™: ₪27.43 vs. price of ₪29.52 (7.6% above fair value)
Industry Position: 47.9% above the Credit Services median (#201 of 546)
No single metric tells the full story. See the XTAE:JCFN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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