Georgia CapitalFRA:2IX +1.33%65 Return-on-Tangible-Equity is 37.32% as of Dec. 2025, which is 120% above its 10-year median of 16.96. GuruFocus rates FRA:2IX with a GF Score™ of 65/100 and a GF Value™ of €45.92 (Fairly Valued). The stock has 3 warning signs investors should review. Among 489 Diversified Financial Services companies, Georgia Capital ranks better than 96.73% 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. Georgia Capital's annualized net income for the quarter that ended in Dec. 2025 was €584.3 Mil. Georgia Capital's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €1,565.7 Mil. Therefore, Georgia Capital's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 37.32%.
The historical rank and industry rank for Georgia Capital's Return-on-Tangible-Equity or its related term are showing as below:
FRA:2IX'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -0.43 Med: 16.96 Max: 43
Current: 42.8
During the past 11 years, Georgia Capital's highest Return-on-Tangible-Equity was 43.00%. The lowest was -0.43%. And the median was 16.96%.
FRA:2IX's Return-on-Tangible-Equity is ranked better than 96.73% of 489
companies
in the Diversified Financial Services industry
Industry Median: 1.65
vs FRA:2IX: 42.80
Georgia Capital (FRA:2IX) 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.
Georgia Capital Return-on-Tangible-Equity Related Terms
Georgia Capital Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Georgia Capital'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.
FRA:2IX vs VOYA: Return-on-Tangible-Equity Comparison
For the Financial Conglomerates subindustry, Georgia Capital'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.
Georgia Capital Return-on-Tangible-Equity vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, Georgia Capital's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Georgia Capital'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 37.32% mean?
Georgia Capital (FRA:2IX) has a Return-on-Tangible-Equity of 37.32% 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 Georgia Capital and its competitors. This is 120% above median its historical median of 16.96. According to the industry distribution chart, Georgia Capital ranks #16 out of 489 companies in the Diversified Financial Services industry, placing it in the top 3.3%.
Is Georgia Capital's Return-on-Tangible-Equity too high?
Georgia Capital's current Return-on-Tangible-Equity of 37.32% is 120% above median its 10-year median of 16.96. The Diversified Financial Services industry median Return-on-Tangible-Equity is 1.65. Georgia Capital's value of 37.32% is 2161.8% above this industry median. Based on the distribution chart, Georgia Capital ranks #16 out of 489 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, Georgia Capital has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Georgia Capital's Return-on-Tangible-Equity compare to VOYA?
According to the Diversified Financial Services industry distribution chart, Georgia Capital ranks #16 out of 489 companies for Return-on-Tangible-Equity. This places Georgia Capital in the top 3% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 1.65. Georgia Capital's value of 37.32% is 2161.8% above this benchmark. While the company's 10-year median is 16.96 vs. the industry median of 1.65, Georgia Capital 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 Diversified Financial Services company?
The median Return-on-Tangible-Equity among Diversified Financial Services companies is 1.65, based on 489 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. Georgia Capital's current Return-on-Tangible-Equity of 37.32% is 2161.8% 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 Georgia Capital and its competitors. For the Diversified Financial Services industry, the median Return-on-Tangible-Equity is 1.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Georgia Capital's current Return-on-Tangible-Equity is 37.32%, which is 120% above median its own 10-year median of 16.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Georgia Capital stock overvalued right now?
Based on GuruFocus' analysis, Georgia Capital (FRA:2IX) is currently considered Fairly Valued. The stock's GF Value™ is €45.92, compared to a current price of €45.80 — trading 0.3% below its estimated fair value. The current Return-on-Tangible-Equity is 37.32%, which is 120% above median its 10-year median of 16.96 and 2161.8% above the Diversified Financial Services industry median of 1.65. Georgia Capital's overall GF Score™ is 65/100 with 3 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 Georgia Capital (FRA:2IX), the current Return-on-Tangible-Equity is 37.32% 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 Georgia Capital (FRA:2IX) Overvalued in 2026?
Based on GuruFocus' analysis, Georgia Capital stock appears to be undervalued.
The current stock price of €45.80 is trading 0.3% below its estimated GF Value™ of €45.92.
GuruFocus considers Georgia Capital to be Fairly Valued.
Key valuation signals for FRA:2IX:
Return-on-Tangible-Equity: 37.32% (120% above median its 10-year median of 16.96)
GF Value™: €45.92 vs. price of €45.80 (0.3% below fair value)
Industry Position: 2161.8% above the Diversified Financial Services median (#16 of 489)
No single metric tells the full story. See the FRA:2IX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Georgia Capital PLC is focused on buying, building and developing businesses in Georgia and monetising investments as it matures. The company currently has the following private large portfolio businesses (i) a retail (pharmacy) business, (ii) an insurance business (P&C and medical insurance), and (iii) a healthcare services business (hospitals and clinics and diagnostics). The company's operating segments are: listed and observable portfolio companies, private large portfolio companies, private emerging and other portfolio companies, and corporate centre.
65GF 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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