BSP Financial GroupASX:BFL -0.67%58 Return-on-Tangible-Equity is 24.98% as of Dec. 2025, which is 2% below its 10-year median of 25.52. GuruFocus rates ASX:BFL with a GF Score™ of 58/100 and a GF Value™ of A$7.98 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,523 Banks companies, BSP Financial Group ranks better than 94.55% 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. BSP Financial Group's annualized net income for the quarter that ended in Dec. 2025 was A$389 Mil. BSP Financial Group's average shareholder tangible equity for the quarter that ended in Dec. 2025 was A$1,556 Mil. Therefore, BSP Financial Group's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 24.98%.
The historical rank and industry rank for BSP Financial Group's Return-on-Tangible-Equity or its related term are showing as below:
ASX:BFL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 23.19 Med: 25.52 Max: 30.22
Current: 25.24
During the past 5 years, BSP Financial Group's highest Return-on-Tangible-Equity was 30.22%. The lowest was 23.19%. And the median was 25.52%.
ASX:BFL's Return-on-Tangible-Equity is ranked better than 94.55% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs ASX:BFL: 25.24
BSP Financial Group (ASX:BFL) 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.
BSP Financial Group Return-on-Tangible-Equity Related Terms
BSP Financial Group Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for BSP Financial 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.
BSP Financial Group Return-on-Tangible-Equity Chart
ASX:BFL vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, BSP Financial 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.
BSP Financial Group Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, BSP Financial Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where BSP Financial 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 24.98% mean?
BSP Financial Group (ASX:BFL) has a Return-on-Tangible-Equity of 24.98% 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 BSP Financial Group and its competitors. This is near median its historical median of 25.52. Over the past decade, BSP Financial Group's Return-on-Tangible-Equity has ranged from 23.19 to 30.22. According to the industry distribution chart, BSP Financial Group ranks #83 out of 1523 companies in the Banks industry, placing it in the top 5.4%.
Is BSP Financial Group's Return-on-Tangible-Equity too high?
BSP Financial Group's current Return-on-Tangible-Equity of 24.98% is near median its 10-year median of 25.52. Over the past 10 years, this metric has ranged from a low of 23.19 to a high of 30.22. The Banks industry median Return-on-Tangible-Equity is 11.19. BSP Financial Group's value of 24.98% is 123.2% above this industry median. Based on the distribution chart, BSP Financial Group ranks #83 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BSP Financial Group has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BSP Financial Group's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, BSP Financial Group ranks #83 out of 1523 companies for Return-on-Tangible-Equity. This places BSP Financial Group in the top 5% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. BSP Financial Group's value of 24.98% is 123.2% above this benchmark. Historically, BSP Financial Group's own Return-on-Tangible-Equity has ranged from 23.19 to 30.22 over the past decade. While the company's 10-year median is 25.52 vs. the industry median of 11.19, BSP Financial 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 11.19, based on 1,523 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. BSP Financial Group's current Return-on-Tangible-Equity of 24.98% is 123.2% 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 BSP Financial Group and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BSP Financial Group's current Return-on-Tangible-Equity is 24.98%, which is near median its own 10-year median of 25.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BSP Financial Group stock overvalued right now?
Based on GuruFocus' analysis, BSP Financial Group (ASX:BFL) is currently considered Fairly Valued. The stock's GF Value™ is A$7.98, compared to a current price of A$8.16 — trading 2.3% above its estimated fair value. The current Return-on-Tangible-Equity is 24.98%, which is near median its 10-year median of 25.52 and 123.2% above the Banks industry median of 11.19. BSP Financial Group's overall GF Score™ is 58/100 with 1 warning sign 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 BSP Financial Group (ASX:BFL), the current Return-on-Tangible-Equity is 24.98% 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 BSP Financial Group (ASX:BFL) Overvalued in 2026?
Based on GuruFocus' analysis, BSP Financial Group stock appears to be overvalued.
The current stock price of A$8.16 is trading 2.3% above its estimated GF Value™ of A$7.98.
GuruFocus considers BSP Financial Group to be Fairly Valued.
Key valuation signals for ASX:BFL:
Return-on-Tangible-Equity: 24.98% (near median its 10-year median of 25.52)
GF Value™: A$7.98 vs. price of A$8.16 (2.3% above fair value)
Industry Position: 123.2% above the Banks median (#83 of 1523)
No single metric tells the full story. See the ASX:BFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BSP Financial Group Ltd is a diversified business covering banking, asset finance, life insurance, and fund management. The company's operating segments include banking services, split into PNG Bank and Offshore Banks, and non-banking services, which comprise insurance operations, fund management, and asset financing activities. It generates a vast majority of its revenues from the PNG Bank segment. Geographically, the company operates in Papua New Guinea, Fiji, Solomon Islands, Cook Islands, Tonga, Samoa, Vanuatu, Cambodia, and Laos.
58GF Score
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