FBD HoldingsFBDHF 77 Return-on-Tangible-Equity is 15.01% as of Dec. 2025, which is 2% below its 10-year median of 15.26. GuruFocus rates FBDHF with a GF Score™ of 77/100 and a GF Value™ of $13.02. The stock has 5 warning signs investors should review. Among 498 Insurance companies, FBD Holdings ranks worse than 59.84% 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. FBD Holdings's annualized net income for the quarter that ended in Dec. 2025 was $75.8 Mil. FBD Holdings's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $504.7 Mil. Therefore, FBD Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 15.01%.
The historical rank and industry rank for FBD Holdings's Return-on-Tangible-Equity or its related term are showing as below:
FBDHF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 1.16 Med: 15.26 Max: 29.81
Current: 10.82
During the past 13 years, FBD Holdings's highest Return-on-Tangible-Equity was 29.81%. The lowest was 1.16%. And the median was 15.26%.
FBDHF's Return-on-Tangible-Equity is ranked worse than 59.84% of 498
companies
in the Insurance industry
Industry Median: 13.53
vs FBDHF: 10.82
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.
FBD Holdings Return-on-Tangible-Equity Related Terms
FBD Holdings Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for FBD Holdings'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.
FBDHF vs CB, PGR, TRV: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, FBD Holdings'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.
FBD Holdings Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, FBD Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where FBD Holdings'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 15.01% mean?
FBD Holdings (FBDHF) has a Return-on-Tangible-Equity of 15.01% 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 FBD Holdings and its competitors. This is near median its historical median of 15.26. Over the past decade, FBD Holdings' Return-on-Tangible-Equity has ranged from 1.16 to 29.81. According to the industry distribution chart, FBD Holdings ranks #298 out of 498 companies in the Insurance industry, placing it in the top 59.8%.
Is FBD Holdings' Return-on-Tangible-Equity too high?
FBD Holdings' current Return-on-Tangible-Equity of 15.01% is near median its 10-year median of 15.26. Over the past 10 years, this metric has ranged from a low of 1.16 to a high of 29.81. The Insurance industry median Return-on-Tangible-Equity is 13.53. FBD Holdings' value of 15.01% is 10.9% above this industry median. Based on the distribution chart, FBD Holdings ranks #298 out of 498 companies in the Insurance industry, which is below the industry midpoint. Overall, FBD Holdings has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does FBD Holdings' Return-on-Tangible-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, FBD Holdings ranks #298 out of 498 companies for Return-on-Tangible-Equity. This places FBD Holdings in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.53. FBD Holdings' value of 15.01% is 10.9% above this benchmark. Historically, FBD Holdings' own Return-on-Tangible-Equity has ranged from 1.16 to 29.81 over the past decade. While the company's 10-year median is 15.26 vs. the industry median of 13.53, FBD Holdings 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 13.53, based on 498 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. FBD Holdings's current Return-on-Tangible-Equity of 15.01% is 10.9% 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 FBD Holdings and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FBD Holdings's current Return-on-Tangible-Equity is 15.01%, which is near median its own 10-year median of 15.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FBD Holdings stock overvalued right now?
FBD Holdings (FBDHF) has a current Return-on-Tangible-Equity of 15.01%. The stock's GF Value™ is $13.02, compared to a current price of $13.00 — trading 0.2% below its estimated fair value. The current Return-on-Tangible-Equity is 15.01%, which is near median its 10-year median of 15.26 and 10.9% above the Insurance industry median of 13.53. FBD Holdings' overall GF Score™ is 77/100 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 FBD Holdings (FBDHF), the current Return-on-Tangible-Equity is 15.01% 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 FBD Holdings (FBDHF) Overvalued in 2026?
Based on GuruFocus' analysis, FBD Holdings stock appears to be undervalued.
The current stock price of $13.00 is trading 0.2% below its estimated GF Value™ of $13.02.
Key valuation signals for FBDHF:
Return-on-Tangible-Equity: 15.01% (near median its 10-year median of 15.26)
GF Value™: $13.02 vs. price of $13.00 (0.2% below fair value)
Industry Position: 10.9% above the Insurance median (#298 of 498)
No single metric tells the full story. See the FBDHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FBD Holdings PLC is a property and casualty insurer that looks after the insurance needs of farmers, consumers, and business owners. The company operates through two segments: General Insurance and Other Group Activities. General insurance: This includes all underwriting activities for motor and non-motor products. Other services: Comprises all non-underwriting activities, including administrative functions and financial services. The majority of revenue is from General Insurance. The Group's operations are located in Ireland.
77GF Score
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