IPDC FinanceDHA:IPDC +1.23%62 Return-on-Tangible-Equity is 3.56% as of Mar. 2026, which is 70% below its 10-year median of 11.81. GuruFocus rates DHA:IPDC with a GF Score™ of 62/100 and a GF Value™ of BDT22.63 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 525 Credit Services companies, IPDC Finance ranks worse than 50.48% 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. IPDC Finance's annualized net income for the quarter that ended in Mar. 2026 was BDT261 Mil. IPDC Finance's average shareholder tangible equity for the quarter that ended in Mar. 2026 was BDT7,336 Mil. Therefore, IPDC Finance's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 3.56%.
The historical rank and industry rank for IPDC Finance's Return-on-Tangible-Equity or its related term are showing as below:
DHA:IPDC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.06 Med: 11.81 Max: 14.19
Current: 6.82
During the past 12 years, IPDC Finance's highest Return-on-Tangible-Equity was 14.19%. The lowest was 5.06%. And the median was 11.81%.
DHA:IPDC's Return-on-Tangible-Equity is ranked worse than 50.48% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs DHA:IPDC: 6.82
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.
IPDC Finance Return-on-Tangible-Equity Related Terms
IPDC Finance Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for IPDC Finance'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.
DHA:IPDC vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, IPDC Finance'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.
IPDC Finance Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IPDC Finance's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where IPDC Finance'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 3.56% mean?
IPDC Finance (DHA:IPDC) has a Return-on-Tangible-Equity of 3.56% 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 IPDC Finance and its competitors. This is 70% below median its historical median of 11.81. Over the past decade, IPDC Finance's Return-on-Tangible-Equity has ranged from 5.06 to 14.19. According to the industry distribution chart, IPDC Finance ranks #265 out of 525 companies in the Credit Services industry, placing it in the top 50.5%.
Is IPDC Finance's Return-on-Tangible-Equity too high?
IPDC Finance's current Return-on-Tangible-Equity of 3.56% is 70% below median its 10-year median of 11.81. Over the past 10 years, this metric has ranged from a low of 5.06 to a high of 14.19. The Credit Services industry median Return-on-Tangible-Equity is 7.01. IPDC Finance's value of 3.56% is 49.2% below this industry median. Based on the distribution chart, IPDC Finance ranks #265 out of 525 companies in the Credit Services industry, which is below the industry midpoint. Overall, IPDC Finance has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IPDC Finance's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, IPDC Finance ranks #265 out of 525 companies for Return-on-Tangible-Equity. This places IPDC Finance in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.01. IPDC Finance's value of 3.56% is 49.2% below this benchmark. Historically, IPDC Finance's own Return-on-Tangible-Equity has ranged from 5.06 to 14.19 over the past decade. While the company's 10-year median is 11.81 vs. the industry median of 7.01, IPDC Finance 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 Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.01, based on 525 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. IPDC Finance's current Return-on-Tangible-Equity of 3.56% is 49.2% 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 IPDC Finance and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IPDC Finance's current Return-on-Tangible-Equity is 3.56%, which is 70% below median its own 10-year median of 11.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IPDC Finance stock overvalued right now?
Based on GuruFocus' analysis, IPDC Finance (DHA:IPDC) is currently considered Significantly Overvalued. The stock's GF Value™ is BDT22.63, compared to a current price of BDT32.90 — trading 45.4% above its estimated fair value. The current Return-on-Tangible-Equity is 3.56%, which is 70% below median its 10-year median of 11.81 and 49.2% below the Credit Services industry median of 7.01. IPDC Finance'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 IPDC Finance (DHA:IPDC), the current Return-on-Tangible-Equity is 3.56% 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 IPDC Finance (DHA:IPDC) Overvalued in 2026?
Based on GuruFocus' analysis, IPDC Finance stock appears to be overvalued.
The current stock price of BDT32.90 is trading 45.4% above its estimated GF Value™ of BDT22.63.
GuruFocus considers IPDC Finance to be Significantly Overvalued.
Key valuation signals for DHA:IPDC:
Return-on-Tangible-Equity: 3.56% (70% below median its 10-year median of 11.81)
GF Value™: BDT22.63 vs. price of BDT32.90 (45.4% above fair value)
Industry Position: 49.2% below the Credit Services median (#265 of 525)
No single metric tells the full story. See the DHA:IPDC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IPDC Finance PLC has diversified its product portfolio and evolved as multiproduct financial institution that is specialised in providing long term and short term finance, project finance, lease finance, supply chain finance, home loan, equity financing, syndication finance, retail finance, Small & Medium Enterprises (SME) finance, asset backed securitisation, retailer finance, factoring finance, and related consultancies. Its segments are Corporate, SME & Emerging, Corporate, and Retail Treasury. The company generates majority of revenue from Corporate segment.
62GF Score
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