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Charan Insurance PCLBKK:CHARAN 64 Return-on-Tangible-Equity is 18.02% as of Mar. 2026, which is 451% above its 10-year median of 3.27. GuruFocus rates BKK:CHARAN with a GF Score™ of 64/100 and a GF Value™ of ฿22.69 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 495 Insurance companies, Charan Insurance PCL ranks worse than 68.48% 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. Charan Insurance PCL's annualized net income for the quarter that ended in Mar. 2026 was ฿108.5 Mil. Charan Insurance PCL's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ฿602.2 Mil. Therefore, Charan Insurance PCL's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 18.02%.
The historical rank and industry rank for Charan Insurance PCL's Return-on-Tangible-Equity or its related term are showing as below:
BKK:CHARAN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -5.62 Med: 3.27 Max: 12.7
Current: 7.72
During the past 13 years, Charan Insurance PCL's highest Return-on-Tangible-Equity was 12.70%. The lowest was -5.62%. And the median was 3.27%.
BKK:CHARAN's Return-on-Tangible-Equity is ranked worse than 68.48% of 495
companies
in the Insurance industry
Industry Median: 13.62
vs BKK:CHARAN: 7.72
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.
Charan Insurance PCL Return-on-Tangible-Equity Related Terms
Charan Insurance PCL Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Charan Insurance PCL'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.
BKK:CHARAN vs CB, PGR, TRV: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, Charan Insurance PCL'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.
Charan Insurance PCL Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Charan Insurance PCL's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Charan Insurance PCL'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 (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 18.02% mean?
Charan Insurance PCL (BKK:CHARAN) has a Return-on-Tangible-Equity of 18.02% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Charan Insurance PCL and its competitors. This is 451% above median its historical median of 3.27. According to the industry distribution chart, Charan Insurance PCL ranks #339 out of 495 companies in the Insurance industry, placing it in the top 68.5%.
Is Charan Insurance PCL's Return-on-Tangible-Equity too high?
Charan Insurance PCL's current Return-on-Tangible-Equity of 18.02% is 451% above median its 10-year median of 3.27. The Insurance industry median Return-on-Tangible-Equity is 13.62. Charan Insurance PCL's value of 18.02% is 32.3% above this industry median. Based on the distribution chart, Charan Insurance PCL ranks #339 out of 495 companies in the Insurance industry, which is below the industry midpoint. Overall, Charan Insurance PCL has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Charan Insurance PCL's Return-on-Tangible-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, Charan Insurance PCL ranks #339 out of 495 companies for Return-on-Tangible-Equity. This places Charan Insurance PCL in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.62. Charan Insurance PCL's value of 18.02% is 32.3% above this benchmark. While the company's 10-year median is 3.27 vs. the industry median of 13.62, Charan Insurance PCL 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 an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.62, based on 495 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. Charan Insurance PCL's current Return-on-Tangible-Equity of 18.02% is 32.3% 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 Charan Insurance PCL and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Charan Insurance PCL's current Return-on-Tangible-Equity is 18.02%, which is 451% above median its own 10-year median of 3.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Charan Insurance PCL stock overvalued right now?
Based on GuruFocus' analysis, Charan Insurance PCL (BKK:CHARAN) is currently considered Modestly Undervalued. The stock's GF Value™ is ฿22.69, compared to a current price of ฿17.30 — trading 23.8% below its estimated fair value. The current Return-on-Tangible-Equity is 18.02%, which is 451% above median its 10-year median of 3.27 and 32.3% above the Insurance industry median of 13.62. Charan Insurance PCL's overall GF Score™ is 64/100 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 Charan Insurance PCL (BKK:CHARAN), the current Return-on-Tangible-Equity is 18.02% as of Mar. 2026. 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 Charan Insurance PCL (BKK:CHARAN) Overvalued in 2026?
Based on GuruFocus' analysis, Charan Insurance PCL stock appears to be undervalued.
The current stock price of ฿17.30 is trading 23.8% below its estimated GF Value™ of ฿22.69.
GuruFocus considers Charan Insurance PCL to be Modestly Undervalued.
Key valuation signals for BKK:CHARAN:
Return-on-Tangible-Equity: 18.02% (451% above median its 10-year median of 3.27)
GF Value™: ฿22.69 vs. price of ฿17.30 (23.8% below fair value)
Industry Position: 32.3% above the Insurance median (#339 of 495)
No single metric tells the full story. See the BKK:CHARAN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Charan Insurance PCL is a Thailand-based company in the insurance sector. Its primary activity is providing non-life insurance services. Its non-life insurance products include Fire insurance, Motor insurance, Personal accident insurance, Marine and transportation insurance, and Miscellaneous insurance. The company operates principally in Thailand and generates the majority of its revenue from Motor insurance services.
64GF Score
Get the complete analysis for BKK:CHARAN
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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