ClearView WealthASX:CVW -0.77%58 Return-on-Tangible-Equity is 5.63% as of Dec. 2025, which is 69% above its 10-year median of 3.33. GuruFocus rates ASX:CVW with a GF Score™ of 58/100 and a GF Value™ of A$0.75 (Modestly Undervalued). The stock has 8 warning signs investors should review. Among 499 Insurance companies, ClearView Wealth ranks worse than 91.98% 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. ClearView Wealth's annualized net income for the quarter that ended in Dec. 2025 was A$17.1 Mil. ClearView Wealth's average shareholder tangible equity for the quarter that ended in Dec. 2025 was A$303.0 Mil. Therefore, ClearView Wealth's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 5.63%.
The historical rank and industry rank for ClearView Wealth's Return-on-Tangible-Equity or its related term are showing as below:
ASX:CVW'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -3.21 Med: 3.33 Max: 7.33
Current: 0.27
During the past 13 years, ClearView Wealth's highest Return-on-Tangible-Equity was 7.33%. The lowest was -3.21%. And the median was 3.33%.
ASX:CVW's Return-on-Tangible-Equity is ranked worse than 91.98% of 499
companies
in the Insurance industry
Industry Median: 13.32
vs ASX:CVW: 0.27
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.
ClearView Wealth Return-on-Tangible-Equity Related Terms
ClearView Wealth Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for ClearView Wealth'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.
ASX:CVW vs AFL, MET, PRU: Return-on-Tangible-Equity Comparison
For the Insurance - Life subindustry, ClearView Wealth'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.
ClearView Wealth Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, ClearView Wealth's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where ClearView Wealth'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 5.63% mean?
ClearView Wealth (ASX:CVW) has a Return-on-Tangible-Equity of 5.63% 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 ClearView Wealth and its competitors. This is 69% above median its historical median of 3.33. According to the industry distribution chart, ClearView Wealth ranks #459 out of 499 companies in the Insurance industry, placing it in the top 92%.
Is ClearView Wealth's Return-on-Tangible-Equity too high?
ClearView Wealth's current Return-on-Tangible-Equity of 5.63% is 69% above median its 10-year median of 3.33. The Insurance industry median Return-on-Tangible-Equity is 13.32. ClearView Wealth's value of 5.63% is 57.7% below this industry median. Based on the distribution chart, ClearView Wealth ranks #459 out of 499 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, ClearView Wealth has a GF Score™ of 58/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ClearView Wealth's Return-on-Tangible-Equity compare to AFL and MET?
According to the Insurance industry distribution chart, ClearView Wealth ranks #459 out of 499 companies for Return-on-Tangible-Equity. This places ClearView Wealth in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.32. ClearView Wealth's value of 5.63% is 57.7% below this benchmark. While the company's 10-year median is 3.33 vs. the industry median of 13.32, ClearView Wealth has consistently been below 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 an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.32, based on 499 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. ClearView Wealth's current Return-on-Tangible-Equity of 5.63% is 57.7% below 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 ClearView Wealth and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ClearView Wealth's current Return-on-Tangible-Equity is 5.63%, which is 69% above median its own 10-year median of 3.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ClearView Wealth stock overvalued right now?
Based on GuruFocus' analysis, ClearView Wealth (ASX:CVW) is currently considered Modestly Undervalued. The stock's GF Value™ is A$0.75, compared to a current price of A$0.65 — trading 14% below its estimated fair value. The current Return-on-Tangible-Equity is 5.63%, which is 69% above median its 10-year median of 3.33 and 57.7% below the Insurance industry median of 13.32. ClearView Wealth's overall GF Score™ is 58/100 with 8 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 ClearView Wealth (ASX:CVW), the current Return-on-Tangible-Equity is 5.63% 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 ClearView Wealth (ASX:CVW) Overvalued in 2026?
Based on GuruFocus' analysis, ClearView Wealth stock appears to be undervalued.
The current stock price of A$0.65 is trading 14% below its estimated GF Value™ of A$0.75.
GuruFocus considers ClearView Wealth to be Modestly Undervalued.
Key valuation signals for ASX:CVW:
Return-on-Tangible-Equity: 5.63% (69% above median its 10-year median of 3.33)
GF Value™: A$0.75 vs. price of A$0.65 (14% below fair value)
Industry Position: 57.7% below the Insurance median (#459 of 499)
No single metric tells the full story. See the ASX:CVW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ClearView Wealth Ltd is an ASX-listed Australian life insurance business. It operates as a non-operating holding company. The company's operating segments include Life Insurance. It offers advised life insurance products and also has an in-force (closed) portfolio of non-advised life insurance products.
58GF Score
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