Manx Financial GroupFRA:3IM -0.65%48 Return-on-Tangible-Equity is 20.13% as of Dec. 2025, which is 3% above its 10-year median of 19.62. GuruFocus rates FRA:3IM with a GF Score™ of 48/100 and a GF Value™ of €0.27 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,523 Banks companies, Manx Financial Group ranks better than 94.88% 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. Manx Financial Group's annualized net income for the quarter that ended in Dec. 2025 was €6.09 Mil. Manx Financial Group's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €30.24 Mil. Therefore, Manx Financial Group's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 20.13%.
The historical rank and industry rank for Manx Financial Group's Return-on-Tangible-Equity or its related term are showing as below:
FRA:3IM'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 12.11 Med: 19.62 Max: 39.06
Current: 26.06
During the past 13 years, Manx Financial Group's highest Return-on-Tangible-Equity was 39.06%. The lowest was 12.11%. And the median was 19.62%.
FRA:3IM's Return-on-Tangible-Equity is ranked better than 94.88% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs FRA:3IM: 26.06
Manx Financial Group (FRA:3IM) 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.
Manx Financial Group Return-on-Tangible-Equity Related Terms
Manx Financial Group Return-on-Tangible-Equity Historical Data
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The historical data trend for Manx Financial 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.
Manx Financial Group Return-on-Tangible-Equity Chart
FRA:3IM vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Manx Financial 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.
Manx Financial Group Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Manx Financial Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Manx Financial 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 20.13% mean?
Manx Financial Group (FRA:3IM) has a Return-on-Tangible-Equity of 20.13% 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 Manx Financial Group and its competitors. This is near median its historical median of 19.62. Over the past decade, Manx Financial Group's Return-on-Tangible-Equity has ranged from 12.11 to 39.06. According to the industry distribution chart, Manx Financial Group ranks #78 out of 1523 companies in the Banks industry, placing it in the top 5.1%.
Is Manx Financial Group's Return-on-Tangible-Equity too high?
Manx Financial Group's current Return-on-Tangible-Equity of 20.13% is near median its 10-year median of 19.62. Over the past 10 years, this metric has ranged from a low of 12.11 to a high of 39.06. The Banks industry median Return-on-Tangible-Equity is 11.19. Manx Financial Group's value of 20.13% is 79.9% above this industry median. Based on the distribution chart, Manx Financial Group ranks #78 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Manx Financial Group has a GF Score™ of 48/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Manx Financial Group's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Manx Financial Group ranks #78 out of 1523 companies for Return-on-Tangible-Equity. This places Manx Financial Group in the top 5% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. Manx Financial Group's value of 20.13% is 79.9% above this benchmark. Historically, Manx Financial Group's own Return-on-Tangible-Equity has ranged from 12.11 to 39.06 over the past decade. While the company's 10-year median is 19.62 vs. the industry median of 11.19, Manx Financial 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 a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,523 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. Manx Financial Group's current Return-on-Tangible-Equity of 20.13% is 79.9% 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 Manx Financial Group and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Manx Financial Group's current Return-on-Tangible-Equity is 20.13%, which is near median its own 10-year median of 19.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Manx Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Manx Financial Group (FRA:3IM) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.27, compared to a current price of €0.30 — trading 12.6% above its estimated fair value. The current Return-on-Tangible-Equity is 20.13%, which is near median its 10-year median of 19.62 and 79.9% above the Banks industry median of 11.19. Manx Financial Group's overall GF Score™ is 48/100 with 4 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 Manx Financial Group (FRA:3IM), the current Return-on-Tangible-Equity is 20.13% 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 Manx Financial Group (FRA:3IM) Overvalued in 2026?
Based on GuruFocus' analysis, Manx Financial Group stock appears to be overvalued.
The current stock price of €0.30 is trading 12.6% above its estimated GF Value™ of €0.27.
GuruFocus considers Manx Financial Group to be Modestly Overvalued.
Key valuation signals for FRA:3IM:
Return-on-Tangible-Equity: 20.13% (near median its 10-year median of 19.62)
GF Value™: €0.27 vs. price of €0.30 (12.6% above fair value)
Industry Position: 79.9% above the Banks median (#78 of 1523)
No single metric tells the full story. See the FRA:3IM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Manx Financial Group PLC is a banking company. The group along with its subsidiaries offers retail and commercial banking services, payment solutions, wealth management, general insurance, and life insurance. It operates in three product orientated segments along with investing activities: Asset and Personal Finance (including provision of HP contracts, finance leases, personal loans, commercial loans, block discounting, vehicle stocking plans and wholesale funding agreements); Edgewater Associates Limited (provision of financial advice); and MFX Limited (provision of foreign currency transaction services). The Group currently operates in one geographic segment comprising of the Isle of Man, and UK region.
48GF Score
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