Bawag Group AGBAWAY -0.63%56 Return-on-Tangible-Equity is 14.43% as of Dec. 2025, which is 0% below its 10-year median of 14.50. GuruFocus rates BAWAY with a GF Score™ of 56/100 and a GF Value™ of $31.24 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,522 Banks companies, Bawag Group AG ranks better than 79.17% 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. Bawag Group AG's annualized net income for the quarter that ended in Dec. 2025 was $727 Mil. Bawag Group AG's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $5,036 Mil. Therefore, Bawag Group AG's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 14.43%.
The historical rank and industry rank for Bawag Group AG's Return-on-Tangible-Equity or its related term are showing as below:
BAWAY'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.09 Med: 14.5 Max: 20.23
Current: 16.11
During the past 13 years, Bawag Group AG's highest Return-on-Tangible-Equity was 20.23%. The lowest was 8.09%. And the median was 14.50%.
BAWAY's Return-on-Tangible-Equity is ranked better than 79.17% of 1522
companies
in the Banks industry
Industry Median: 11.205
vs BAWAY: 16.11
Bawag Group AG (OTCPK:BAWAY) 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.
Bawag Group AG Return-on-Tangible-Equity Related Terms
Bawag Group AG Return-on-Tangible-Equity Historical Data
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The historical data trend for Bawag Group 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.
BAWAY vs PNC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Bawag Group 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.
Bawag Group AG Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bawag Group AG's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Bawag Group 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 14.43% mean?
Bawag Group AG (BAWAY) has a Return-on-Tangible-Equity of 14.43% 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 Bawag Group AG and its competitors. This is near median its historical median of 14.50. Over the past decade, Bawag Group AG's Return-on-Tangible-Equity has ranged from 8.09 to 20.23. According to the industry distribution chart, Bawag Group AG ranks #317 out of 1522 companies in the Banks industry, placing it in the top 20.8%.
Is Bawag Group AG's Return-on-Tangible-Equity too high?
Bawag Group AG's current Return-on-Tangible-Equity of 14.43% is near median its 10-year median of 14.50. Over the past 10 years, this metric has ranged from a low of 8.09 to a high of 20.23. The Banks industry median Return-on-Tangible-Equity is 11.21. Bawag Group AG's value of 14.43% is 28.8% above this industry median. Based on the distribution chart, Bawag Group AG ranks #317 out of 1522 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bawag Group AG has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bawag Group AG's Return-on-Tangible-Equity compare to PNC?
According to the Banks industry distribution chart, Bawag Group AG ranks #317 out of 1522 companies for Return-on-Tangible-Equity. This places Bawag Group AG in the top 21% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.21. Bawag Group AG's value of 14.43% is 28.8% above this benchmark. Historically, Bawag Group AG's own Return-on-Tangible-Equity has ranged from 8.09 to 20.23 over the past decade. While the company's 10-year median is 14.50 vs. the industry median of 11.21, Bawag Group 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 Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,522 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. Bawag Group AG's current Return-on-Tangible-Equity of 14.43% is 28.8% 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 Bawag Group AG 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. Bawag Group AG's current Return-on-Tangible-Equity is 14.43%, which is near median its own 10-year median of 14.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bawag Group AG stock overvalued right now?
Based on GuruFocus' analysis, Bawag Group AG (BAWAY) is currently considered Significantly Overvalued. The stock's GF Value™ is $31.24, compared to a current price of $48.69 — trading 55.9% above its estimated fair value. The current Return-on-Tangible-Equity is 14.43%, which is near median its 10-year median of 14.50 and 28.8% above the Banks industry median of 11.21. Bawag Group AG's overall GF Score™ is 56/100 with 5 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 Bawag Group AG (BAWAY), the current Return-on-Tangible-Equity is 14.43% 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 Bawag Group AG (BAWAY) Overvalued in 2026?
Based on GuruFocus' analysis, Bawag Group AG stock appears to be overvalued.
The current stock price of $48.69 is trading 55.9% above its estimated GF Value™ of $31.24.
GuruFocus considers Bawag Group AG to be Significantly Overvalued.
Key valuation signals for BAWAY:
Return-on-Tangible-Equity: 14.43% (near median its 10-year median of 14.50)
GF Value™: $31.24 vs. price of $48.69 (55.9% above fair value)
Industry Position: 28.8% above the Banks median (#317 of 1522)
No single metric tells the full story. See the BAWAY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bawag Group AG provides banking and financial products and services. The company serves retail, small business, and corporate customers offering comprehensive savings, payment, lending, leasing, investment, building society, and insurance products and services through various online and offline channels. The operating business segments of the company are Retail & SME, Corporates, Real Estate & Public Sector, Treasury and Corporate Center. The majority of the company's revenue is derived from the Retail& SME segment.
56GF Score
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