Sabre Insurance GroupFRA:18M 80 Return-on-Tangible-Equity is 39.12% as of Dec. 2025, which is 4% above its 10-year median of 37.73. GuruFocus rates FRA:18M with a GF Score™ of 80/100 and a GF Value™ of €1.90 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 498 Insurance companies, Sabre Insurance Group ranks better than 88.55% 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. Sabre Insurance Group's annualized net income for the quarter that ended in Dec. 2025 was €43.4 Mil. Sabre Insurance Group's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €111.0 Mil. Therefore, Sabre Insurance Group's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 39.12%.
The historical rank and industry rank for Sabre Insurance Group's Return-on-Tangible-Equity or its related term are showing as below:
FRA:18M'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 13.31 Med: 37.73 Max: 94.82
Current: 38.73
During the past 10 years, Sabre Insurance Group's highest Return-on-Tangible-Equity was 94.82%. The lowest was 13.31%. And the median was 37.73%.
FRA:18M's Return-on-Tangible-Equity is ranked better than 88.55% of 498
companies
in the Insurance industry
Industry Median: 13.53
vs FRA:18M: 38.73
Sabre Insurance Group (FRA:18M) 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.
Sabre Insurance Group Return-on-Tangible-Equity Related Terms
Sabre Insurance Group Return-on-Tangible-Equity Historical Data
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The historical data trend for Sabre Insurance Group'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.
Sabre Insurance Group Return-on-Tangible-Equity Chart
FRA:18M vs MRSH, AON, AJG: Return-on-Tangible-Equity Comparison
For the Insurance Brokers subindustry, Sabre Insurance Group'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.
Sabre Insurance Group Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Sabre Insurance Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Sabre Insurance Group'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 39.12% mean?
Sabre Insurance Group (FRA:18M) has a Return-on-Tangible-Equity of 39.12% 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 Sabre Insurance Group and its competitors. This is near median its historical median of 37.73. Over the past decade, Sabre Insurance Group's Return-on-Tangible-Equity has ranged from 13.31 to 94.82. According to the industry distribution chart, Sabre Insurance Group ranks #57 out of 498 companies in the Insurance industry, placing it in the top 11.4%.
Is Sabre Insurance Group's Return-on-Tangible-Equity too high?
Sabre Insurance Group's current Return-on-Tangible-Equity of 39.12% is near median its 10-year median of 37.73. Over the past 10 years, this metric has ranged from a low of 13.31 to a high of 94.82. The Insurance industry median Return-on-Tangible-Equity is 13.53. Sabre Insurance Group's value of 39.12% is 189.1% above this industry median. Based on the distribution chart, Sabre Insurance Group ranks #57 out of 498 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Sabre Insurance Group has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sabre Insurance Group's Return-on-Tangible-Equity compare to MRSH and AON?
According to the Insurance industry distribution chart, Sabre Insurance Group ranks #57 out of 498 companies for Return-on-Tangible-Equity. This places Sabre Insurance Group in the top 11% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 13.53. Sabre Insurance Group's value of 39.12% is 189.1% above this benchmark. Historically, Sabre Insurance Group's own Return-on-Tangible-Equity has ranged from 13.31 to 94.82 over the past decade. While the company's 10-year median is 37.73 vs. the industry median of 13.53, Sabre Insurance Group 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. Sabre Insurance Group's current Return-on-Tangible-Equity of 39.12% is 189.1% 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 Sabre Insurance Group 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. Sabre Insurance Group's current Return-on-Tangible-Equity is 39.12%, which is near median its own 10-year median of 37.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sabre Insurance Group stock overvalued right now?
Based on GuruFocus' analysis, Sabre Insurance Group (FRA:18M) is currently considered Modestly Overvalued. The stock's GF Value™ is €1.90, compared to a current price of €2.12 — trading 11.6% above its estimated fair value. The current Return-on-Tangible-Equity is 39.12%, which is near median its 10-year median of 37.73 and 189.1% above the Insurance industry median of 13.53. Sabre Insurance Group's overall GF Score™ is 80/100 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 Sabre Insurance Group (FRA:18M), the current Return-on-Tangible-Equity is 39.12% 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 Sabre Insurance Group (FRA:18M) Overvalued in 2026?
Based on GuruFocus' analysis, Sabre Insurance Group stock appears to be overvalued.
The current stock price of €2.12 is trading 11.6% above its estimated GF Value™ of €1.90.
GuruFocus considers Sabre Insurance Group to be Modestly Overvalued.
Key valuation signals for FRA:18M:
Return-on-Tangible-Equity: 39.12% (near median its 10-year median of 37.73)
GF Value™: €1.90 vs. price of €2.12 (11.6% above fair value)
Industry Position: 189.1% above the Insurance median (#57 of 498)
No single metric tells the full story. See the FRA:18M stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sabre Insurance Group PLC is a company operating in the insurance sector. The company is an insurer selling car insurance through brokers and directly. It offers car insurance under the Sabre name and also under the Go Girl, Insure 2 Drive, and Drive Smart brands. Its product offering includes car insurance, commercial vehicle insurance, taxi insurance, and others. The Group provides short-term motor insurance to clients, which comprises three lines of business, Motor Vehicle insurance, Motorcycle insurance and Taxi insurance, of which it derives maximum revenue from Motor Vehicle Insurance. Geographically, It only operates in United Kingdom.
80GF Score
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