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. PensionBee Group's annualized net income for the quarter that ended in Dec. 2025 was €5.06 Mil. PensionBee Group's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €38.80 Mil. Therefore, PensionBee Group's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 13.04%.
The historical rank and industry rank for PensionBee Group's Return-on-Tangible-Equity or its related term are showing as below:
FRA:6HD'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -158.01 Med: -60.23 Max: -8.19
Current: -8.46
During the past 8 years, PensionBee Group's highest Return-on-Tangible-Equity was -8.19%. The lowest was -158.01%. And the median was -60.23%.
FRA:6HD's Return-on-Tangible-Equity is ranked worse than 82.41% of 779
companies
in the Capital Markets industry
Industry Median: 6.52
vs FRA:6HD: -8.46
PensionBee Group (FRA:6HD) 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.
PensionBee Group Return-on-Tangible-Equity Related Terms
PensionBee Group Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for PensionBee 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.
FRA:6HD vs MS, GS, SCHW: Return-on-Tangible-Equity Comparison
For the Capital Markets subindustry, PensionBee 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.
PensionBee Group Return-on-Tangible-Equity vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, PensionBee Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PensionBee 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 13.04% mean?
PensionBee Group (FRA:6HD) has a Return-on-Tangible-Equity of 13.04% 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 PensionBee Group and its competitors. According to the industry distribution chart, PensionBee Group ranks #642 out of 779 companies in the Capital Markets industry, placing it in the top 82.4%.
Is PensionBee Group's Return-on-Tangible-Equity too high?
PensionBee Group's current Return-on-Tangible-Equity is 13.04%. The Capital Markets industry median Return-on-Tangible-Equity is 6.52. PensionBee Group's value of 13.04% is 100% above this industry median. Based on the distribution chart, PensionBee Group ranks #642 out of 779 companies in the Capital Markets industry, which is in the bottom quartile relative to peers. Overall, PensionBee Group has a GF Score™ of 79/100, reflecting its overall financial health beyond just this single metric.
How does PensionBee Group's Return-on-Tangible-Equity compare to MS and GS?
According to the Capital Markets industry distribution chart, PensionBee Group ranks #642 out of 779 companies for Return-on-Tangible-Equity. This places PensionBee Group in the lower half of its industry. The industry median Return-on-Tangible-Equity is 6.52. PensionBee Group's value of 13.04% is 100% above this benchmark. 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 Capital Markets company?
The median Return-on-Tangible-Equity among Capital Markets companies is 6.52, based on 779 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. PensionBee Group's current Return-on-Tangible-Equity of 13.04% is 100% 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 PensionBee Group and its competitors. For the Capital Markets industry, the median Return-on-Tangible-Equity is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PensionBee Group's current Return-on-Tangible-Equity is 13.04%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PensionBee Group stock overvalued right now?
PensionBee Group (FRA:6HD) has a current Return-on-Tangible-Equity of 13.04%. The stock's GF Value™ is €2.48, compared to a current price of €1.51 — trading 39.1% below its estimated fair value. The current Return-on-Tangible-Equity is 13.04% and 100% above the Capital Markets industry median of 6.52. PensionBee Group's overall GF Score™ is 79/100. 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 PensionBee Group (FRA:6HD), the current Return-on-Tangible-Equity is 13.04% 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 PensionBee Group (FRA:6HD) Overvalued in 2026?
Based on GuruFocus' analysis, PensionBee Group stock appears to be undervalued.
The current stock price of €1.51 is trading 39.1% below its estimated GF Value™ of €2.48.
Key valuation signals for FRA:6HD:
Return-on-Tangible-Equity: 13.04%
GF Value™: €2.48 vs. price of €1.51 (39.1% below fair value)
Industry Position: 100% above the Capital Markets median (#642 of 779)
No single metric tells the full story. See the FRA:6HD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PensionBee Group PLC is engaged in the provision of direct-to-consumer online pensions. The company helps its customers combine their old pension pots, make flexible contributions, invest in line with their goals and values, and make withdrawals after attaining a certain age. It offers a range of investment plans, including fossil fuel-free and impact investing options, from various asset managers. The firm generates a vast majority of its revenue in the form of fees it charges for fund administration. These fees are earned for administering the customer pension schemes and are charged based on a fixed percentage of the value of a customer's assets held by the pension scheme. Geographically, it generates the majority of its revenue from the United Kingdom.
79GF Score
Get the complete analysis for FRA:6HD
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:6HD has been successfully added to your 
