The historical rank and industry rank for Nova Ljubljanska banka dd Ljubljana's Return-on-Tangible-Equity or its related term are showing as below:
CHIX:NLBl'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.73 Med: 14.72 Max: 21.48
Current: 14.28
During the past 11 years, Nova Ljubljanska banka dd Ljubljana's highest Return-on-Tangible-Equity was 21.48%. The lowest was 7.73%. And the median was 14.72%.
CHIX:NLBl's Return-on-Tangible-Equity is ranked better than 70.74% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs CHIX:NLBl: 14.28
Nova Ljubljanska banka dd Ljubljana (CHIX:NLBl) 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.
Nova Ljubljanska banka dd Ljubljana Return-on-Tangible-Equity Related Terms
Nova Ljubljanska banka dd Ljubljana 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.
Nova Ljubljanska banka dd Ljubljana Return-on-Tangible-Equity Chart
CHIX:NLBL vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Nova Ljubljanska banka dd Ljubljana'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.
Nova Ljubljanska banka dd Ljubljana Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Nova Ljubljanska banka dd Ljubljana's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Nova Ljubljanska banka dd Ljubljana'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 12.84% mean?
Nova Ljubljanska banka dd Ljubljana (CHIX:NLBL) has a Return-on-Tangible-Equity of 12.84% 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 Nova Ljubljanska banka dd Ljubljana and its competitors. This is 13% below median its historical median of 14.72. Over the past decade, Nova Ljubljanska banka dd Ljubljana's Return-on-Tangible-Equity has ranged from 7.73 to 21.48. According to the industry distribution chart, Nova Ljubljanska banka dd Ljubljana ranks #445 out of 1521 companies in the Banks industry, placing it in the top 29.3%.
Is Nova Ljubljanska banka dd Ljubljana's Return-on-Tangible-Equity too high?
Nova Ljubljanska banka dd Ljubljana's current Return-on-Tangible-Equity of 12.84% is 13% below median its 10-year median of 14.72. Over the past 10 years, this metric has ranged from a low of 7.73 to a high of 21.48. The Banks industry median Return-on-Tangible-Equity is 11.19. Nova Ljubljanska banka dd Ljubljana's value of 12.84% is 14.7% above this industry median. Based on the distribution chart, Nova Ljubljanska banka dd Ljubljana ranks #445 out of 1521 companies in the Banks industry, which is above the industry midpoint. Overall, Nova Ljubljanska banka dd Ljubljana has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Nova Ljubljanska banka dd Ljubljana's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Nova Ljubljanska banka dd Ljubljana ranks #445 out of 1521 companies for Return-on-Tangible-Equity. This puts Nova Ljubljanska banka dd Ljubljana in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Nova Ljubljanska banka dd Ljubljana's value of 12.84% is 14.7% above this benchmark. Historically, Nova Ljubljanska banka dd Ljubljana's own Return-on-Tangible-Equity has ranged from 7.73 to 21.48 over the past decade. While the company's 10-year median is 14.72 vs. the industry median of 11.19, Nova Ljubljanska banka dd Ljubljana 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 11.19, based on 1,521 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. Nova Ljubljanska banka dd Ljubljana's current Return-on-Tangible-Equity of 12.84% is 14.7% 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 Nova Ljubljanska banka dd Ljubljana and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nova Ljubljanska banka dd Ljubljana's current Return-on-Tangible-Equity is 12.84%, which is 13% below median its own 10-year median of 14.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nova Ljubljanska banka dd Ljubljana stock overvalued right now?
Based on GuruFocus' analysis, Nova Ljubljanska banka dd Ljubljana (CHIX:NLBL) is currently considered Significantly Overvalued. The stock's GF Value™ is €28.15, compared to a current price of €44.10 — trading 56.7% above its estimated fair value. The current Return-on-Tangible-Equity is 12.84%, which is 13% below median its 10-year median of 14.72 and 14.7% above the Banks industry median of 11.19. Nova Ljubljanska banka dd Ljubljana's overall GF Score™ is 76/100 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 Nova Ljubljanska banka dd Ljubljana (CHIX:NLBL), the current Return-on-Tangible-Equity is 12.84% 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 Nova Ljubljanska banka dd Ljubljana (CHIX:NLBL) Overvalued in 2026?
Based on GuruFocus' analysis, Nova Ljubljanska banka dd Ljubljana stock appears to be overvalued.
The current stock price of €44.10 is trading 56.7% above its estimated GF Value™ of €28.15.
GuruFocus considers Nova Ljubljanska banka dd Ljubljana to be Significantly Overvalued.
Key valuation signals for CHIX:NLBL:
Return-on-Tangible-Equity: 12.84% (13% below median its 10-year median of 14.72)
GF Value™: €28.15 vs. price of €44.10 (56.7% above fair value)
Industry Position: 14.7% above the Banks median (#445 of 1521)
No single metric tells the full story. See the CHIX:NLBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nova Ljubljanska banka dd Ljubljana Business Description
Nova Ljubljanska banka dd Ljubljana is a Slovenia-based entity providing universal banking services. It is a principal provider of banking products, asset management, and insurance products. The company has six operating segments: Retail Banking in Slovenia, Corporate and Investment Banking in Slovenia, Strategic Foreign Markets, Financial Markets in Slovenia, Non-Core Members, and Other Activities. Geographically, the company operates in Slovenia, Southeast Europe (North Macedonia, Serbia, Montenegro, Croatia, Bosnia & Herzegovina, and Kosovo), and Western Europe (Germany and Switzerland). Geographically, the company generates the majority of its revenue from Slovenia.
76GF Score
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Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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