Austriacard Holdings AGATH:ACAG 87 Return-on-Tangible-Equity is 33.80% as of Dec. 2025, which is 3% above its 10-year median of 32.81. GuruFocus rates ATH:ACAG with a GF Score™ of 87/100 and a GF Value™ of €6.06 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 2,476 Software companies, Austriacard Holdings AG ranks better than 69.1% 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. Austriacard Holdings AG's annualized net income for the quarter that ended in Dec. 2025 was €24.3 Mil. Austriacard Holdings AG's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €71.8 Mil. Therefore, Austriacard Holdings AG's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 33.80%.
The historical rank and industry rank for Austriacard Holdings AG's Return-on-Tangible-Equity or its related term are showing as below:
ATH:ACAG'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 9.75 Med: 32.81 Max: 152.83
Current: 21.83
During the past 7 years, Austriacard Holdings AG's highest Return-on-Tangible-Equity was 152.83%. The lowest was 9.75%. And the median was 32.81%.
ATH:ACAG's Return-on-Tangible-Equity is ranked better than 69.1% of 2476
companies
in the Software industry
Industry Median: 8.82
vs ATH:ACAG: 21.83
Austriacard Holdings AG (ATH:ACAG) 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.
Austriacard Holdings AG Return-on-Tangible-Equity Related Terms
Austriacard Holdings AG Return-on-Tangible-Equity Historical Data
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The historical data trend for Austriacard Holdings AG'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.
Austriacard Holdings AG Return-on-Tangible-Equity Chart
ATH:ACAG vs IBM, ACN, FISV: Return-on-Tangible-Equity Comparison
For the Information Technology Services subindustry, Austriacard Holdings AG'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.
Austriacard Holdings AG Return-on-Tangible-Equity vs Software Industry
For the Software industry and Technology sector, Austriacard Holdings AG's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Austriacard Holdings AG'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 four times the quarterly (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 33.80% mean?
Austriacard Holdings AG (ATH:ACAG) has a Return-on-Tangible-Equity of 33.80% 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 Austriacard Holdings AG and its competitors. This is near median its historical median of 32.81. Over the past decade, Austriacard Holdings AG's Return-on-Tangible-Equity has ranged from 9.75 to 152.83. According to the industry distribution chart, Austriacard Holdings AG ranks #765 out of 2476 companies in the Software industry, placing it in the top 30.9%.
Is Austriacard Holdings AG's Return-on-Tangible-Equity too high?
Austriacard Holdings AG's current Return-on-Tangible-Equity of 33.80% is near median its 10-year median of 32.81. Over the past 10 years, this metric has ranged from a low of 9.75 to a high of 152.83. The Software industry median Return-on-Tangible-Equity is 8.82. Austriacard Holdings AG's value of 33.80% is 283.2% above this industry median. Based on the distribution chart, Austriacard Holdings AG ranks #765 out of 2476 companies in the Software industry, which is above the industry midpoint. Overall, Austriacard Holdings AG has a GF Score™ of 87/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Austriacard Holdings AG's Return-on-Tangible-Equity compare to IBM and ACN?
According to the Software industry distribution chart, Austriacard Holdings AG ranks #765 out of 2476 companies for Return-on-Tangible-Equity. This puts Austriacard Holdings AG in the upper half of its industry. The industry median Return-on-Tangible-Equity is 8.82. Austriacard Holdings AG's value of 33.80% is 283.2% above this benchmark. Historically, Austriacard Holdings AG's own Return-on-Tangible-Equity has ranged from 9.75 to 152.83 over the past decade. While the company's 10-year median is 32.81 vs. the industry median of 8.82, Austriacard Holdings AG 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 Software company?
The median Return-on-Tangible-Equity among Software companies is 8.82, based on 2,476 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. Austriacard Holdings AG's current Return-on-Tangible-Equity of 33.80% is 283.2% 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 Austriacard Holdings AG and its competitors. For the Software industry, the median Return-on-Tangible-Equity is 8.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Austriacard Holdings AG's current Return-on-Tangible-Equity is 33.80%, which is near median its own 10-year median of 32.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Austriacard Holdings AG stock overvalued right now?
Based on GuruFocus' analysis, Austriacard Holdings AG (ATH:ACAG) is currently considered Significantly Overvalued. The stock's GF Value™ is €6.06, compared to a current price of €9.77 — trading 61.2% above its estimated fair value. The current Return-on-Tangible-Equity is 33.80%, which is near median its 10-year median of 32.81 and 283.2% above the Software industry median of 8.82. Austriacard Holdings AG's overall GF Score™ is 87/100 with 6 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 Austriacard Holdings AG (ATH:ACAG), the current Return-on-Tangible-Equity is 33.80% 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 Austriacard Holdings AG (ATH:ACAG) Overvalued in 2026?
Based on GuruFocus' analysis, Austriacard Holdings AG stock appears to be overvalued.
The current stock price of €9.77 is trading 61.2% above its estimated GF Value™ of €6.06.
GuruFocus considers Austriacard Holdings AG to be Significantly Overvalued.
Key valuation signals for ATH:ACAG:
Return-on-Tangible-Equity: 33.80% (near median its 10-year median of 32.81)
GF Value™: €6.06 vs. price of €9.77 (61.2% above fair value)
Industry Position: 283.2% above the Software median (#765 of 2476)
No single metric tells the full story. See the ATH:ACAG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Austriacard Holdings AG is a holistic applied technology company powered by artificial intelligence (AI). The Group's portfolio includes a wide range of solutions that demonstrate synergies across product lines. These include Identity & Payment Solutions, Digital Technologies, and Document Lifecycle Management. These solutions are offered to financial institutions, public and private sectors. The Group is now organized into three geographic segments: Central, Eastern Europe and DACH (CEE); Western Europe, Nordics and Americas (WEST); and Turkiye, Middle East and Africa (MEA). It derives maximum revenue from Central, Eastern Europe and DACH (CEE) segment. The solutions include: Payment Cards & Services, eGovernment & Authentication, Document Lifecycle Management, Book on Demand and Others.
87GF Score
Get the complete analysis for ATH:ACAG
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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