Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Bank AudiLBQAZF 100 Return-on-Tangible-Equity is 6.97% as of Mar. 2026, which is 13% below its 10-year median of 7.97. GuruFocus rates BQAZF with a GF Score™ of 100/100. Among 1,523 Banks companies, Bank AudiL ranks worse than 93.11% 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. Bank AudiL's annualized net income for the quarter that ended in Mar. 2026 was $77.62 Mil. Bank AudiL's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $1,113.64 Mil. Therefore, Bank AudiL's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 6.97%.
The historical rank and industry rank for Bank AudiL's Return-on-Tangible-Equity or its related term are showing as below:
BQAZF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -18.9 Med: 7.97 Max: 14.82
Current: 1.74
During the past 13 years, Bank AudiL's highest Return-on-Tangible-Equity was 14.82%. The lowest was -18.90%. And the median was 7.97%.
BQAZF's Return-on-Tangible-Equity is ranked worse than 93.11% of 1523
companies
in the Banks industry
Industry Median: 11.23
vs BQAZF: 1.74
Bank AudiL (OTCPK:BQAZF) 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.
Bank AudiL Return-on-Tangible-Equity Related Terms
Bank AudiL Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Bank AudiL'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.
BQAZF vs JPM, BAC, WFC: Return-on-Tangible-Equity Comparison
For the Banks - Diversified subindustry, Bank AudiL'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.
Bank AudiL Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bank AudiL's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Bank AudiL'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 6.97% mean?
Bank AudiL (BQAZF) has a Return-on-Tangible-Equity of 6.97% 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 Bank AudiL and its competitors. This is 13% below median its historical median of 7.97. According to the industry distribution chart, Bank AudiL ranks #1418 out of 1523 companies in the Banks industry, placing it in the top 93.1%.
Is Bank AudiL's Return-on-Tangible-Equity too high?
Bank AudiL's current Return-on-Tangible-Equity of 6.97% is 13% below median its 10-year median of 7.97. The Banks industry median Return-on-Tangible-Equity is 11.23. Bank AudiL's value of 6.97% is 37.9% below this industry median. Based on the distribution chart, Bank AudiL ranks #1418 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank AudiL has a GF Score™ of 100/100, reflecting its overall financial health beyond just this single metric.
How does Bank AudiL's Return-on-Tangible-Equity compare to JPM and BAC?
According to the Banks industry distribution chart, Bank AudiL ranks #1418 out of 1523 companies for Return-on-Tangible-Equity. This places Bank AudiL in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.23. Bank AudiL's value of 6.97% is 37.9% below this benchmark. While the company's 10-year median is 7.97 vs. the industry median of 11.23, Bank AudiL 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 a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.23, 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. Bank AudiL's current Return-on-Tangible-Equity of 6.97% is 37.9% 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 Bank AudiL and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank AudiL's current Return-on-Tangible-Equity is 6.97%, which is 13% below median its own 10-year median of 7.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank AudiL stock overvalued right now?
Bank AudiL (BQAZF) has a current Return-on-Tangible-Equity of 6.97%. The current Return-on-Tangible-Equity is 6.97%, which is 13% below median its 10-year median of 7.97 and 37.9% below the Banks industry median of 11.23. Bank AudiL's overall GF Score™ is 100/100. 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 Bank AudiL (BQAZF), the current Return-on-Tangible-Equity is 6.97% 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.
Bank Audi SAL offers universal banking products and services covering Corporate, Commercial, Individual, and Private Banking services to a diversified client base, mainly in the MENA region. It provides loans, deposits, trade finance, as well as regular Corporate and Commercial Banking activities. Its segments are Corporate and Commercial, Retail and personal, Treasury and capital markets, and Group functions and head office. It generates maximum revenue from providing Treasury services, which include transactions in money and capital markets for the Group's customers, managing investment and trading transactions (locally and internationally), and managing liquidity, foreign currency, and market risks. It operates in Lebanon, the Middle East and North Africa (MENA), and Europe.
100GF Score
Get the complete analysis for BQAZF
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BQAZF has been successfully added to your 
