The 77 BankFRA:62A +0.10%58 Return-on-Tangible-Equity is 8.25% as of Mar. 2026, which is 100% above its 10-year median of 4.12. GuruFocus rates FRA:62A with a GF Score™ of 58/100 and a GF Value™ of €10.19. The stock has 5 warning signs investors should review. Among 1,526 Banks companies, The 77 Bank ranks worse than 66.25% 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. The 77 Bank's annualized net income for the quarter that ended in Mar. 2026 was €307 Mil. The 77 Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €3,719 Mil. Therefore, The 77 Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 8.25%.
The historical rank and industry rank for The 77 Bank's Return-on-Tangible-Equity or its related term are showing as below:
FRA:62A'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.43 Med: 4.12 Max: 8.53
Current: 8.47
During the past 13 years, The 77 Bank's highest Return-on-Tangible-Equity was 8.53%. The lowest was 3.43%. And the median was 4.12%.
FRA:62A's Return-on-Tangible-Equity is ranked worse than 66.25% of 1526
companies
in the Banks industry
Industry Median: 11.195
vs FRA:62A: 8.47
The 77 Bank (FRA:62A) 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.
The 77 Bank Return-on-Tangible-Equity Related Terms
The 77 Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for The 77 Bank'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.
The 77 Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, The 77 Bank'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.
The 77 Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, The 77 Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where The 77 Bank'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 (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 8.25% mean?
The 77 Bank (FRA:62A) has a Return-on-Tangible-Equity of 8.25% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on The 77 Bank and its competitors. This is 100% above median its historical median of 4.12. Over the past decade, The 77 Bank's Return-on-Tangible-Equity has ranged from 3.43 to 8.53. According to the industry distribution chart, The 77 Bank ranks #1011 out of 1526 companies in the Banks industry, placing it in the top 66.3%.
Is The 77 Bank's Return-on-Tangible-Equity too high?
The 77 Bank's current Return-on-Tangible-Equity of 8.25% is 100% above median its 10-year median of 4.12. Over the past 10 years, this metric has ranged from a low of 3.43 to a high of 8.53. The Banks industry median Return-on-Tangible-Equity is 11.20. The 77 Bank's value of 8.25% is 26.3% below this industry median. Based on the distribution chart, The 77 Bank ranks #1011 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, The 77 Bank has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does The 77 Bank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, The 77 Bank ranks #1011 out of 1526 companies for Return-on-Tangible-Equity. This places The 77 Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. The 77 Bank's value of 8.25% is 26.3% below this benchmark. Historically, The 77 Bank's own Return-on-Tangible-Equity has ranged from 3.43 to 8.53 over the past decade. While the company's 10-year median is 4.12 vs. the industry median of 11.20, The 77 Bank has consistently been below 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 11.20, based on 1,526 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. The 77 Bank's current Return-on-Tangible-Equity of 8.25% is 26.3% below 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 The 77 Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The 77 Bank's current Return-on-Tangible-Equity is 8.25%, which is 100% above median its own 10-year median of 4.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The 77 Bank stock overvalued right now?
The 77 Bank (FRA:62A) has a current Return-on-Tangible-Equity of 8.25%. The stock's GF Value™ is €10.19, compared to a current price of €17.51 — trading 71.9% above its estimated fair value. The current Return-on-Tangible-Equity is 8.25%, which is 100% above median its 10-year median of 4.12 and 26.3% below the Banks industry median of 11.20. The 77 Bank'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 The 77 Bank (FRA:62A), the current Return-on-Tangible-Equity is 8.25% as of Mar. 2026. 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 The 77 Bank (FRA:62A) Overvalued in 2026?
Based on GuruFocus' analysis, The 77 Bank stock appears to be overvalued.
The current stock price of €17.51 is trading 71.9% above its estimated GF Value™ of €10.19.
Key valuation signals for FRA:62A:
Return-on-Tangible-Equity: 8.25% (100% above median its 10-year median of 4.12)
GF Value™: €10.19 vs. price of €17.51 (71.9% above fair value)
Industry Position: 26.3% below the Banks median (#1011 of 1526)
No single metric tells the full story. See the FRA:62A stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The 77 Bank Ltd is a Japan-based company mainly engaged in banking, leasing, and other financial services. Its Banking Business includes deposits, lending, securities trading and investment, domestic and foreign exchange, corporate bond trust, and agency operations, as well as sales of government bonds, investment trusts, and insurance products. The Leasing Business focuses on financial-related leasing, while other operations include credit guarantee, credit card, financial product transactions, research and consulting, electronic computing services, fund management, and investment activities.
58GF Score
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