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Housing & Development BankCAI:HDBK 62 Return-on-Tangible-Equity is 53.85% as of Mar. 2026, which is 61% above its 10-year median of 33.48. GuruFocus rates CAI:HDBK with a GF Score™ of 62/100 and a GF Value™ of E£43.48 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,518 Banks companies, Housing & Development Bank ranks better than 98.48% 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. Housing & Development Bank's annualized net income for the quarter that ended in Mar. 2026 was E£22,455 Mil. Housing & Development Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was E£41,699 Mil. Therefore, Housing & Development Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 53.85%.
The historical rank and industry rank for Housing & Development Bank's Return-on-Tangible-Equity or its related term are showing as below:
CAI:HDBK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 20.37 Med: 33.48 Max: 54.97
Current: 53
During the past 13 years, Housing & Development Bank's highest Return-on-Tangible-Equity was 54.97%. The lowest was 20.37%. And the median was 33.48%.
CAI:HDBK's Return-on-Tangible-Equity is ranked better than 98.48% of 1518
companies
in the Banks industry
Industry Median: 11.27
vs CAI:HDBK: 53.00
Housing & Development Bank (CAI:HDBK) 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.
Housing & Development Bank Return-on-Tangible-Equity Related Terms
Housing & Development Bank Return-on-Tangible-Equity Historical Data
* 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.
Housing & Development Bank Return-on-Tangible-Equity Chart
Housing & Development Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Housing & Development Bank'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.
Housing & Development Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Housing & Development Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Housing & Development Bank'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 53.85% mean?
Housing & Development Bank (CAI:HDBK) has a Return-on-Tangible-Equity of 53.85% 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 Housing & Development Bank and its competitors. This is 61% above median its historical median of 33.48. Over the past decade, Housing & Development Bank's Return-on-Tangible-Equity has ranged from 20.37 to 54.97. According to the industry distribution chart, Housing & Development Bank ranks #23 out of 1518 companies in the Banks industry, placing it in the top 1.5%.
Is Housing & Development Bank's Return-on-Tangible-Equity too high?
Housing & Development Bank's current Return-on-Tangible-Equity of 53.85% is 61% above median its 10-year median of 33.48. Over the past 10 years, this metric has ranged from a low of 20.37 to a high of 54.97. The Banks industry median Return-on-Tangible-Equity is 11.27. Housing & Development Bank's value of 53.85% is 377.8% above this industry median. Based on the distribution chart, Housing & Development Bank ranks #23 out of 1518 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Housing & Development Bank has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Housing & Development Bank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Housing & Development Bank ranks #23 out of 1518 companies for Return-on-Tangible-Equity. This places Housing & Development Bank in the top 2% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.27. Housing & Development Bank's value of 53.85% is 377.8% above this benchmark. Historically, Housing & Development Bank's own Return-on-Tangible-Equity has ranged from 20.37 to 54.97 over the past decade. While the company's 10-year median is 33.48 vs. the industry median of 11.27, Housing & Development Bank 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 11.27, based on 1,518 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. Housing & Development Bank's current Return-on-Tangible-Equity of 53.85% is 377.8% 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 Housing & Development Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Housing & Development Bank's current Return-on-Tangible-Equity is 53.85%, which is 61% above median its own 10-year median of 33.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Housing & Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Housing & Development Bank (CAI:HDBK) is currently considered Significantly Overvalued. The stock's GF Value™ is E£43.48, compared to a current price of E£83.00 — trading 90.9% above its estimated fair value. The current Return-on-Tangible-Equity is 53.85%, which is 61% above median its 10-year median of 33.48 and 377.8% above the Banks industry median of 11.27. Housing & Development Bank's overall GF Score™ is 62/100 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 Housing & Development Bank (CAI:HDBK), the current Return-on-Tangible-Equity is 53.85% 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 Housing & Development Bank (CAI:HDBK) Overvalued in 2026?
Based on GuruFocus' analysis, Housing & Development Bank stock appears to be overvalued.
The current stock price of E£83.00 is trading 90.9% above its estimated GF Value™ of E£43.48.
GuruFocus considers Housing & Development Bank to be Significantly Overvalued.
Key valuation signals for CAI:HDBK:
Return-on-Tangible-Equity: 53.85% (61% above median its 10-year median of 33.48)
GF Value™: E£43.48 vs. price of E£83.00 (90.9% above fair value)
Industry Position: 377.8% above the Banks median (#23 of 1518)
No single metric tells the full story. See the CAI:HDBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Housing & Development Bank operates as a bank in the Arab Republic of Egypt. The company provides loans and other services to financial institutions, agricultural institutions, industrial institutions, commercial services, real estate activity, and the government sector. It operates its business in four segments, which are Corporate, medium and small sized enterprise, Investments, Retail, and Other activities. Maximum revenue is generated from the Corporate, medium and small sized enterprise segment, which mainly includes the bank's current accounts (debit/credit), deposits, loans and facilities, financial derivatives, and other financial products and service offerings.
62GF Score
Get the complete analysis for CAI:HDBK
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