AIB GroupAIBRF -1.66%69 Return-on-Tangible-Equity is 18.03% as of Dec. 2025, which is 110% above its 10-year median of 8.57. GuruFocus rates AIBRF with a GF Score™ of 69/100 and a GF Value™ of $6.91 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,525 Banks companies, AIB Group ranks better than 76.59% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. AIB Group's annualized net income for the quarter that ended in Dec. 2025 was $2,841 Mil. AIB Group's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $15,757 Mil. Therefore, AIB Group's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 18.03%.
The historical rank and industry rank for AIB Group's Return-on-Tangible-Equity or its related term are showing as below:
AIBRF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -6.08 Med: 8.57 Max: 16.43
Current: 15.43
During the past 13 years, AIB Group's highest Return-on-Tangible-Equity was 16.43%. The lowest was -6.08%. And the median was 8.57%.
AIBRF's Return-on-Tangible-Equity is ranked better than 76.59% of 1525
companies
in the Banks industry
Industry Median: 11.2
vs AIBRF: 15.43
AIB Group (OTCPK:AIBRF) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
AIB Group Return-on-Tangible-Equity Related Terms
AIB Group Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for AIB Group's Return-on-Tangible-Equity 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.
AIBRF vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, AIB Group's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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.
AIB Group Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, AIB Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where AIB Group's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 18.03% mean?
AIB Group (AIBRF) has a Return-on-Tangible-Equity of 18.03% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on AIB Group and its competitors. This is 110% above median its historical median of 8.57. According to the industry distribution chart, AIB Group ranks #357 out of 1525 companies in the Banks industry, placing it in the top 23.4%.
Is AIB Group's Return-on-Tangible-Equity too high?
AIB Group's current Return-on-Tangible-Equity of 18.03% is 110% above median its 10-year median of 8.57. The Banks industry median Return-on-Tangible-Equity is 11.20. AIB Group's value of 18.03% is 61% above this industry median. Based on the distribution chart, AIB Group ranks #357 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, AIB Group has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AIB Group's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, AIB Group ranks #357 out of 1525 companies for Return-on-Tangible-Equity. This places AIB Group in the top 23% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. AIB Group's value of 18.03% is 61% above this benchmark. While the company's 10-year median is 8.57 vs. the industry median of 11.20, AIB Group 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AIB Group's current Return-on-Tangible-Equity of 18.03% is 61% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on AIB Group and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AIB Group's current Return-on-Tangible-Equity is 18.03%, which is 110% above median its own 10-year median of 8.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIB Group stock overvalued right now?
Based on GuruFocus' analysis, AIB Group (AIBRF) is currently considered Significantly Overvalued. The stock's GF Value™ is $6.91, compared to a current price of $11.57 — trading 67.4% above its estimated fair value. The current Return-on-Tangible-Equity is 18.03%, which is 110% above median its 10-year median of 8.57 and 61% above the Banks industry median of 11.20. AIB Group's overall GF Score™ is 69/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For AIB Group (AIBRF), the current Return-on-Tangible-Equity is 18.03% as of Dec. 2025. 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 AIB Group (AIBRF) Overvalued in 2026?
Based on GuruFocus' analysis, AIB Group stock appears to be overvalued.
The current stock price of $11.57 is trading 67.4% above its estimated GF Value™ of $6.91.
GuruFocus considers AIB Group to be Significantly Overvalued.
Key valuation signals for AIBRF:
Return-on-Tangible-Equity: 18.03% (110% above median its 10-year median of 8.57)
GF Value™: $6.91 vs. price of $11.57 (67.4% above fair value)
Industry Position: 61% above the Banks median (#357 of 1525)
No single metric tells the full story. See the AIBRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AIB Group PLC is a banking services company. The company's operating segments are Retail Banking, Capital Markets, AIB UK, Climate & Infrastructure Capital (C&IC), and Group. It generates maximum revenue from the Retail Banking segment. The Retail Banking segment provides products and services through branch, digital, and phone banking channels. It focuses on delivering a seamless and transparent customer experience across all channels, while supporting the development of sustainable businesses within local communities. Geographically, it derives a majority of revenue from Ireland and also has a presence in the United Kingdom and the Rest of the World.
69GF Score
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