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LankaBangla FinanceDHA:LANKABAFIN +1.12%58 Return-on-Tangible-Equity is 7.22% as of Sep. 2025, which is 9% above its 10-year median of 6.61. GuruFocus rates DHA:LANKABAFIN with a GF Score™ of 58/100 and a GF Value™ of BDT22.55 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 527 Credit Services companies, LankaBangla Finance ranks worse than 68.69% 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. LankaBangla Finance's annualized net income for the quarter that ended in Sep. 2025 was BDT728 Mil. LankaBangla Finance's average shareholder tangible equity for the quarter that ended in Sep. 2025 was BDT10,077 Mil. Therefore, LankaBangla Finance's annualized Return-on-Tangible-Equity for the quarter that ended in Sep. 2025 was 7.22%.
The historical rank and industry rank for LankaBangla Finance's Return-on-Tangible-Equity or its related term are showing as below:
DHA:LANKABAFIN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.09 Med: 6.61 Max: 26.29
Current: 2.09
During the past 13 years, LankaBangla Finance's highest Return-on-Tangible-Equity was 26.29%. The lowest was 2.09%. And the median was 6.61%.
DHA:LANKABAFIN's Return-on-Tangible-Equity is ranked worse than 68.69% of 527
companies
in the Credit Services industry
Industry Median: 7.05
vs DHA:LANKABAFIN: 2.09
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.
LankaBangla Finance Return-on-Tangible-Equity Related Terms
LankaBangla Finance Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for LankaBangla 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:LANKABAFIN vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, LankaBangla 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.
LankaBangla Finance Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, LankaBangla Finance's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where LankaBangla 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 (Sep. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 7.22% mean?
LankaBangla Finance (DHA:LANKABAFIN) has a Return-on-Tangible-Equity of 7.22% as of Sep. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on LankaBangla Finance and its competitors. This is near median its historical median of 6.61. Over the past decade, LankaBangla Finance's Return-on-Tangible-Equity has ranged from 2.09 to 26.29. According to the industry distribution chart, LankaBangla Finance ranks #362 out of 527 companies in the Credit Services industry, placing it in the top 68.7%.
Is LankaBangla Finance's Return-on-Tangible-Equity too high?
LankaBangla Finance's current Return-on-Tangible-Equity of 7.22% is near median its 10-year median of 6.61. Over the past 10 years, this metric has ranged from a low of 2.09 to a high of 26.29. The Credit Services industry median Return-on-Tangible-Equity is 7.05. LankaBangla Finance's value of 7.22% is 2.4% above this industry median. Based on the distribution chart, LankaBangla Finance ranks #362 out of 527 companies in the Credit Services industry, which is below the industry midpoint. Overall, LankaBangla Finance has a GF Score™ of 58/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does LankaBangla Finance's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, LankaBangla Finance ranks #362 out of 527 companies for Return-on-Tangible-Equity. This places LankaBangla Finance in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.05. LankaBangla Finance's value of 7.22% is 2.4% above this benchmark. Historically, LankaBangla Finance's own Return-on-Tangible-Equity has ranged from 2.09 to 26.29 over the past decade. While the company's 10-year median is 6.61 vs. the industry median of 7.05, LankaBangla Finance 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 Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.05, based on 527 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. LankaBangla Finance's current Return-on-Tangible-Equity of 7.22% is 2.4% 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 LankaBangla Finance and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LankaBangla Finance's current Return-on-Tangible-Equity is 7.22%, which is near median its own 10-year median of 6.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LankaBangla Finance stock overvalued right now?
Based on GuruFocus' analysis, LankaBangla Finance (DHA:LANKABAFIN) is currently considered Modestly Undervalued. The stock's GF Value™ is BDT22.55, compared to a current price of BDT18.00 — trading 20.2% below its estimated fair value. The current Return-on-Tangible-Equity is 7.22%, which is near median its 10-year median of 6.61 and 2.4% above the Credit Services industry median of 7.05. LankaBangla Finance's overall GF Score™ is 58/100 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 LankaBangla Finance (DHA:LANKABAFIN), the current Return-on-Tangible-Equity is 7.22% as of Sep. 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 LankaBangla Finance (DHA:LANKABAFIN) Overvalued in 2026?
Based on GuruFocus' analysis, LankaBangla Finance stock appears to be undervalued.
The current stock price of BDT18.00 is trading 20.2% below its estimated GF Value™ of BDT22.55.
GuruFocus considers LankaBangla Finance to be Modestly Undervalued.
Key valuation signals for DHA:LANKABAFIN:
Return-on-Tangible-Equity: 7.22% (near median its 10-year median of 6.61)
GF Value™: BDT22.55 vs. price of BDT18.00 (20.2% below fair value)
Industry Position: 2.4% above the Credit Services median (#362 of 527)
No single metric tells the full story. See the DHA:LANKABAFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
LankaBangla Finance PLC is engaged in providing financial services. The company offers corporate financial services, personal financial services, SME financial services, stock broking, corporate advisory and wealth management services. It is a financial institution to operate credit card and provide third-party card processing services to different banks in Bangladesh. The company has four reportable segments being Core Financing Business; Brokerage; Investment Business, and Asset Management Business. It derives majority of its revenues from the Core Financing Business segment.
58GF Score
Get the complete analysis for DHA:LANKABAFIN
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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