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Evropi HoldingsATH:EVR +0.35%33 Return-on-Tangible-Equity is 4.66% as of Dec. 2025, which is 703% above its 10-year median of 0.58. GuruFocus rates ATH:EVR with a GF Score™ of 33/100 and a GF Value™ of €0.27 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 496 Insurance companies, Evropi Holdings ranks worse than 83.67% 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. Evropi Holdings's annualized net income for the quarter that ended in Dec. 2025 was €5.51 Mil. Evropi Holdings's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €118.29 Mil. Therefore, Evropi Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 4.66%.
The historical rank and industry rank for Evropi Holdings's Return-on-Tangible-Equity or its related term are showing as below:
ATH:EVR'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -14.99 Med: 0.58 Max: 12.14
Current: 3.81
During the past 13 years, Evropi Holdings's highest Return-on-Tangible-Equity was 12.14%. The lowest was -14.99%. And the median was 0.58%.
ATH:EVR's Return-on-Tangible-Equity is ranked worse than 83.67% of 496
companies
in the Insurance industry
Industry Median: 13.245
vs ATH:EVR: 3.81
Evropi Holdings (ATH:EVR) 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.
Evropi Holdings Return-on-Tangible-Equity Related Terms
Evropi Holdings Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Evropi 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.
ATH:EVR vs MRSH, AON, AJG: Return-on-Tangible-Equity Comparison
For the Insurance Brokers subindustry, Evropi 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.
Evropi Holdings Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Evropi Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Evropi 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 4.66% mean?
Evropi Holdings (ATH:EVR) has a Return-on-Tangible-Equity of 4.66% 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 Evropi Holdings and its competitors. This is 703% above median its historical median of 0.58. According to the industry distribution chart, Evropi Holdings ranks #415 out of 496 companies in the Insurance industry, placing it in the top 83.7%.
Is Evropi Holdings' Return-on-Tangible-Equity too high?
Evropi Holdings' current Return-on-Tangible-Equity of 4.66% is 703% above median its 10-year median of 0.58. The Insurance industry median Return-on-Tangible-Equity is 13.25. Evropi Holdings' value of 4.66% is 64.8% below this industry median. Based on the distribution chart, Evropi Holdings ranks #415 out of 496 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Evropi Holdings has a GF Score™ of 33/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Evropi Holdings' Return-on-Tangible-Equity compare to MRSH and AON?
According to the Insurance industry distribution chart, Evropi Holdings ranks #415 out of 496 companies for Return-on-Tangible-Equity. This places Evropi Holdings in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.25. Evropi Holdings' value of 4.66% is 64.8% below this benchmark. While the company's 10-year median is 0.58 vs. the industry median of 13.25, Evropi Holdings 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 13.25, based on 496 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. Evropi Holdings's current Return-on-Tangible-Equity of 4.66% is 64.8% 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 Evropi Holdings and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Evropi Holdings's current Return-on-Tangible-Equity is 4.66%, which is 703% above median its own 10-year median of 0.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Evropi Holdings stock overvalued right now?
Based on GuruFocus' analysis, Evropi Holdings (ATH:EVR) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.27, compared to a current price of €1.71 — trading 534.1% above its estimated fair value. The current Return-on-Tangible-Equity is 4.66%, which is 703% above median its 10-year median of 0.58 and 64.8% below the Insurance industry median of 13.25. Evropi Holdings' overall GF Score™ is 33/100 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 Evropi Holdings (ATH:EVR), the current Return-on-Tangible-Equity is 4.66% 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 Evropi Holdings (ATH:EVR) Overvalued in 2026?
Based on GuruFocus' analysis, Evropi Holdings stock appears to be overvalued.
The current stock price of €1.71 is trading 534.1% above its estimated GF Value™ of €0.27.
GuruFocus considers Evropi Holdings to be Significantly Overvalued.
Key valuation signals for ATH:EVR:
Return-on-Tangible-Equity: 4.66% (703% above median its 10-year median of 0.58)
GF Value™: €0.27 vs. price of €1.71 (534.1% above fair value)
Industry Position: 64.8% below the Insurance median (#415 of 496)
No single metric tells the full story. See the ATH:EVR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Evropi Holdings SA operates in the insurance sector and the real estate development sector. Its insurance portfolio consists of Europe Insurance and NAK Insurance. Its Real estate portfolio consists of office buildings, warehouses, industrial, and Plots.
33GF Score
Get the complete analysis for ATH:EVR
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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