BeazleyBZLEY +4.77%44 Return-on-Tangible-Equity is 21.67% as of Dec. 2025, which is 20% above its 10-year median of 18.08. GuruFocus rates BZLEY with a GF Score™ of 44/100 and a GF Value™ of $91.88 (Significantly Undervalued). The stock has 6 warning signs investors should review. Among 500 Insurance companies, Beazley ranks better than 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. Beazley's annualized net income for the quarter that ended in Dec. 2025 was $986 Mil. Beazley's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $4,551 Mil. Therefore, Beazley's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 21.67%.
The historical rank and industry rank for Beazley's Return-on-Tangible-Equity or its related term are showing as below:
BZLEY'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -2.86 Med: 18.08 Max: 30.86
Current: 19.86
During the past 13 years, Beazley's highest Return-on-Tangible-Equity was 30.86%. The lowest was -2.86%. And the median was 18.08%.
BZLEY's Return-on-Tangible-Equity is ranked better than 67% of 500
companies
in the Insurance industry
Industry Median: 13.515
vs BZLEY: 19.86
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.
Beazley Return-on-Tangible-Equity Related Terms
Beazley Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Beazley'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.
BZLEY vs FNF, AXS, FAF: Return-on-Tangible-Equity Comparison
For the Insurance - Specialty subindustry, Beazley'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.
Beazley Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Beazley's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Beazley'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 21.67% mean?
Beazley (BZLEY) has a Return-on-Tangible-Equity of 21.67% 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 Beazley and its competitors. This is 20% above median its historical median of 18.08. According to the industry distribution chart, Beazley ranks #165 out of 500 companies in the Insurance industry, placing it in the top 33%.
Is Beazley's Return-on-Tangible-Equity too high?
Beazley's current Return-on-Tangible-Equity of 21.67% is 20% above median its 10-year median of 18.08. The Insurance industry median Return-on-Tangible-Equity is 13.52. Beazley's value of 21.67% is 60.3% above this industry median. Based on the distribution chart, Beazley ranks #165 out of 500 companies in the Insurance industry, which is above the industry midpoint. Overall, Beazley has a GF Score™ of 44/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Beazley's Return-on-Tangible-Equity compare to FNF and AXS?
According to the Insurance industry distribution chart, Beazley ranks #165 out of 500 companies for Return-on-Tangible-Equity. This puts Beazley in the upper half of its industry. The industry median Return-on-Tangible-Equity is 13.52. Beazley's value of 21.67% is 60.3% above this benchmark. While the company's 10-year median is 18.08 vs. the industry median of 13.52, Beazley 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 13.52, based on 500 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. Beazley's current Return-on-Tangible-Equity of 21.67% is 60.3% 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 Beazley and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Beazley's current Return-on-Tangible-Equity is 21.67%, which is 20% above median its own 10-year median of 18.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Beazley stock overvalued right now?
Based on GuruFocus' analysis, Beazley (BZLEY) is currently considered Significantly Undervalued. The stock's GF Value™ is $91.88, compared to a current price of $34.27 — trading 62.7% below its estimated fair value. The current Return-on-Tangible-Equity is 21.67%, which is 20% above median its 10-year median of 18.08 and 60.3% above the Insurance industry median of 13.52. Beazley's overall GF Score™ is 44/100 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 Beazley (BZLEY), the current Return-on-Tangible-Equity is 21.67% 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 Beazley (BZLEY) Overvalued in 2026?
Based on GuruFocus' analysis, Beazley stock appears to be undervalued.
The current stock price of $34.27 is trading 62.7% below its estimated GF Value™ of $91.88.
GuruFocus considers Beazley to be Significantly Undervalued.
Key valuation signals for BZLEY:
Return-on-Tangible-Equity: 21.67% (20% above median its 10-year median of 18.08)
GF Value™: $91.88 vs. price of $34.27 (62.7% below fair value)
Industry Position: 60.3% above the Insurance median (#165 of 500)
No single metric tells the full story. See the BZLEY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Beazley PLC is a specialty insurer providing services to customers in the United Kingdom (its key market), the U.S., and Europe. It operates through the following segments: Cyber Risks, which underwrites cyber and technology risks; Digital, which underwrites a variety of marine, contingency, and SME liability risks through digital channels such as e-trading platforms and broker portals; MAP Risks, which underwrites marine, portfolio underwriting, and political and contingency business; Property Risk, which underwrites first party property risks and reinsurance business; and the Specialty Risks segment, which underwrites a wide range of liability classes, including employment practices risks and directors and officers, as well as healthcare, lawyers and international financial institutions.
44GF Score
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