Resimac GroupASX:RMC +3.12%62 Return-on-Tangible-Equity is 16.35% as of Dec. 2025, which is 27% below its 10-year median of 22.36. GuruFocus rates ASX:RMC with a GF Score™ of 62/100 and a GF Value™ of A$1.23 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,523 Banks companies, Resimac Group ranks better than 65.92% 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. Resimac Group's annualized net income for the quarter that ended in Dec. 2025 was A$56.9 Mil. Resimac Group's average shareholder tangible equity for the quarter that ended in Dec. 2025 was A$348.1 Mil. Therefore, Resimac Group's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 16.35%.
The historical rank and industry rank for Resimac Group's Return-on-Tangible-Equity or its related term are showing as below:
ASX:RMC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.93 Med: 22.36 Max: 42.5
Current: 13.66
During the past 13 years, Resimac Group's highest Return-on-Tangible-Equity was 42.50%. The lowest was 8.93%. And the median was 22.36%.
ASX:RMC's Return-on-Tangible-Equity is ranked better than 65.92% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs ASX:RMC: 13.66
Resimac Group (ASX:RMC) 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.
Resimac Group Return-on-Tangible-Equity Related Terms
Resimac Group Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Resimac 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.
ASX:RMC vs RKT, FNMA, PFSI: Return-on-Tangible-Equity Comparison
For the Mortgage Finance subindustry, Resimac 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.
Resimac Group Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Resimac Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Resimac 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 16.35% mean?
Resimac Group (ASX:RMC) has a Return-on-Tangible-Equity of 16.35% 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 Resimac Group and its competitors. This is 27% below median its historical median of 22.36. Over the past decade, Resimac Group's Return-on-Tangible-Equity has ranged from 8.93 to 42.50. According to the industry distribution chart, Resimac Group ranks #519 out of 1523 companies in the Banks industry, placing it in the top 34.1%.
Is Resimac Group's Return-on-Tangible-Equity too high?
Resimac Group's current Return-on-Tangible-Equity of 16.35% is 27% below median its 10-year median of 22.36. Over the past 10 years, this metric has ranged from a low of 8.93 to a high of 42.50. The Banks industry median Return-on-Tangible-Equity is 11.20. Resimac Group's value of 16.35% is 46% above this industry median. Based on the distribution chart, Resimac Group ranks #519 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, Resimac Group has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Resimac Group's Return-on-Tangible-Equity compare to RKT and FNMA?
According to the Banks industry distribution chart, Resimac Group ranks #519 out of 1523 companies for Return-on-Tangible-Equity. This puts Resimac Group in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Resimac Group's value of 16.35% is 46% above this benchmark. Historically, Resimac Group's own Return-on-Tangible-Equity has ranged from 8.93 to 42.50 over the past decade. While the company's 10-year median is 22.36 vs. the industry median of 11.20, Resimac 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 1,523 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. Resimac Group's current Return-on-Tangible-Equity of 16.35% is 46% 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 Resimac 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. Resimac Group's current Return-on-Tangible-Equity is 16.35%, which is 27% below median its own 10-year median of 22.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Resimac Group stock overvalued right now?
Based on GuruFocus' analysis, Resimac Group (ASX:RMC) is currently considered Possible Value Trap. The stock's GF Value™ is A$1.23, compared to a current price of A$0.83 — trading 32.9% below its estimated fair value. The current Return-on-Tangible-Equity is 16.35%, which is 27% below median its 10-year median of 22.36 and 46% above the Banks industry median of 11.20. Resimac Group's overall GF Score™ is 62/100 with 3 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 Resimac Group (ASX:RMC), the current Return-on-Tangible-Equity is 16.35% 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 Resimac Group (ASX:RMC) Overvalued in 2026?
Based on GuruFocus' analysis, Resimac Group stock appears to be undervalued.
The current stock price of A$0.83 is trading 32.9% below its estimated GF Value™ of A$1.23.
GuruFocus considers Resimac Group to be Possible Value Trap.
Key valuation signals for ASX:RMC:
Return-on-Tangible-Equity: 16.35% (27% below median its 10-year median of 22.36)
GF Value™: A$1.23 vs. price of A$0.83 (32.9% below fair value)
Industry Position: 46% above the Banks median (#519 of 1523)
No single metric tells the full story. See the ASX:RMC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Resimac Group Ltd provides and services residential mortgage and asset finance lending products through third-party channels in Australia. It focuses on originating and managing a high-quality loan portfolio supported by a flexible international capital markets funding program. The Group offers lending products for consumers and SMEs, distributed via accredited brokers and wholesale channels. It maintains funding relationships and has experience in both international and domestic securitisation markets. The Group operates a risk management framework based on the three lines of defence. Its three segments are Home Loan Lending, New Zealand Lending, and Asset Finance Lending, with the majority of revenue coming from Home Loan Lending.
62GF Score
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