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N1 HoldingsASX:N1H Return-on-Tangible-Equity is 82.57% as of Dec. 2025. The stock has 1 warning sign investors should review. Among 1,526 Banks companies, N1 Holdings ranks better than 98.62% 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. N1 Holdings's annualized net income for the quarter that ended in Dec. 2025 was A$2.08 Mil. N1 Holdings's average shareholder tangible equity for the quarter that ended in Dec. 2025 was A$2.52 Mil. Therefore, N1 Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 82.57%.
The historical rank and industry rank for N1 Holdings's Return-on-Tangible-Equity or its related term are showing as below:
ASX:N1H'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -244.81 Med: -18.35 Max: 106.32
Current: 54.55
During the past 10 years, N1 Holdings's highest Return-on-Tangible-Equity was 106.32%. The lowest was -244.81%. And the median was -18.35%.
ASX:N1H's Return-on-Tangible-Equity is ranked better than 98.62% of 1526
companies
in the Banks industry
Industry Median: 11.205
vs ASX:N1H: 54.55
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.
N1 Holdings Return-on-Tangible-Equity Related Terms
N1 Holdings Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for N1 Holdings'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:N1H vs RKT, FNMA, PFSI: Return-on-Tangible-Equity Comparison
For the Mortgage Finance subindustry, N1 Holdings'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.
N1 Holdings Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, N1 Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where N1 Holdings'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 82.57% mean?
N1 Holdings (ASX:N1H) has a Return-on-Tangible-Equity of 82.57% 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 N1 Holdings and its competitors. According to the industry distribution chart, N1 Holdings ranks #21 out of 1526 companies in the Banks industry, placing it in the top 1.4%.
Is N1 Holdings' Return-on-Tangible-Equity too high?
N1 Holdings' current Return-on-Tangible-Equity is 82.57%. The Banks industry median Return-on-Tangible-Equity is 11.21. N1 Holdings' value of 82.57% is 636.9% above this industry median. Based on the distribution chart, N1 Holdings ranks #21 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers.
How does N1 Holdings' Return-on-Tangible-Equity compare to RKT and FNMA?
According to the Banks industry distribution chart, N1 Holdings ranks #21 out of 1526 companies for Return-on-Tangible-Equity. This places N1 Holdings in the top 1% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.21. N1 Holdings' value of 82.57% is 636.9% above this benchmark. 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 11.21, based on 1,526 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. N1 Holdings's current Return-on-Tangible-Equity of 82.57% is 636.9% 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-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 N1 Holdings and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. N1 Holdings's current Return-on-Tangible-Equity is 82.57%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is N1 Holdings stock overvalued right now?
Based on GuruFocus' analysis, N1 Holdings (ASX:N1H) is currently considered Significantly Undervalued. The stock's GF Value™ is A$0.31, compared to a current price of A$0.08 — trading 74.2% below its estimated fair value. The current Return-on-Tangible-Equity is 82.57% and 636.9% above the Banks industry median of 11.21. 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 N1 Holdings (ASX:N1H), the current Return-on-Tangible-Equity is 82.57% 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.
N1 Holdings Ltd is an Australian company. The company's operating segment includes Financial services; Real estate services; Migration Services and Others. It generates maximum revenue from the Financial Services segment. The financial services segment includes Mortgage broking, Commercial loan lending and Advisory service. Its Real estate services segment focused on Rental property management and property sales agent service. Geographically, it derives majority of its revenue from Australia.
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