BRD-Groupe Societe GeneraleFRA:76B -5.23%49 Return-on-Tangible-Equity is 14.79% as of Mar. 2026, which is 15% below its 10-year median of 17.34. GuruFocus rates FRA:76B with a GF Score™ of 49/100 and a GF Value™ of €4.13 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,521 Banks companies, BRD-Groupe Societe Generale ranks better than 81% 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. BRD-Groupe Societe Generale's annualized net income for the quarter that ended in Mar. 2026 was €279.7 Mil. BRD-Groupe Societe Generale's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €1,891.4 Mil. Therefore, BRD-Groupe Societe Generale's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 14.79%.
The historical rank and industry rank for BRD-Groupe Societe Generale's Return-on-Tangible-Equity or its related term are showing as below:
FRA:76B'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 11.1 Med: 17.34 Max: 22.34
Current: 16.56
During the past 13 years, BRD-Groupe Societe Generale's highest Return-on-Tangible-Equity was 22.34%. The lowest was 11.10%. And the median was 17.34%.
FRA:76B's Return-on-Tangible-Equity is ranked better than 81% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs FRA:76B: 16.56
BRD-Groupe Societe Generale (FRA:76B) 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.
BRD-Groupe Societe Generale Return-on-Tangible-Equity Related Terms
BRD-Groupe Societe Generale Return-on-Tangible-Equity Historical Data
* 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.
BRD-Groupe Societe Generale Return-on-Tangible-Equity Chart
FRA:76B vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, BRD-Groupe Societe Generale'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.
BRD-Groupe Societe Generale Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, BRD-Groupe Societe Generale's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where BRD-Groupe Societe Generale'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 14.79% mean?
BRD-Groupe Societe Generale (FRA:76B) has a Return-on-Tangible-Equity of 14.79% 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 BRD-Groupe Societe Generale and its competitors. This is 15% below median its historical median of 17.34. Over the past decade, BRD-Groupe Societe Generale's Return-on-Tangible-Equity has ranged from 11.10 to 22.34. According to the industry distribution chart, BRD-Groupe Societe Generale ranks #289 out of 1521 companies in the Banks industry, placing it in the top 19%.
Is BRD-Groupe Societe Generale's Return-on-Tangible-Equity too high?
BRD-Groupe Societe Generale's current Return-on-Tangible-Equity of 14.79% is 15% below median its 10-year median of 17.34. Over the past 10 years, this metric has ranged from a low of 11.10 to a high of 22.34. The Banks industry median Return-on-Tangible-Equity is 11.19. BRD-Groupe Societe Generale's value of 14.79% is 32.2% above this industry median. Based on the distribution chart, BRD-Groupe Societe Generale ranks #289 out of 1521 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BRD-Groupe Societe Generale has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BRD-Groupe Societe Generale's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, BRD-Groupe Societe Generale ranks #289 out of 1521 companies for Return-on-Tangible-Equity. This places BRD-Groupe Societe Generale in the top 19% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. BRD-Groupe Societe Generale's value of 14.79% is 32.2% above this benchmark. Historically, BRD-Groupe Societe Generale's own Return-on-Tangible-Equity has ranged from 11.10 to 22.34 over the past decade. While the company's 10-year median is 17.34 vs. the industry median of 11.19, BRD-Groupe Societe Generale 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 1,521 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. BRD-Groupe Societe Generale's current Return-on-Tangible-Equity of 14.79% is 32.2% 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 BRD-Groupe Societe Generale 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. BRD-Groupe Societe Generale's current Return-on-Tangible-Equity is 14.79%, which is 15% below median its own 10-year median of 17.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BRD-Groupe Societe Generale stock overvalued right now?
Based on GuruFocus' analysis, BRD-Groupe Societe Generale (FRA:76B) is currently considered Significantly Overvalued. The stock's GF Value™ is €4.13, compared to a current price of €6.88 — trading 66.6% above its estimated fair value. The current Return-on-Tangible-Equity is 14.79%, which is 15% below median its 10-year median of 17.34 and 32.2% above the Banks industry median of 11.19. BRD-Groupe Societe Generale's overall GF Score™ is 49/100 with 8 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 BRD-Groupe Societe Generale (FRA:76B), the current Return-on-Tangible-Equity is 14.79% 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 BRD-Groupe Societe Generale (FRA:76B) Overvalued in 2026?
Based on GuruFocus' analysis, BRD-Groupe Societe Generale stock appears to be overvalued.
The current stock price of €6.88 is trading 66.6% above its estimated GF Value™ of €4.13.
GuruFocus considers BRD-Groupe Societe Generale to be Significantly Overvalued.
Key valuation signals for FRA:76B:
Return-on-Tangible-Equity: 14.79% (15% below median its 10-year median of 17.34)
GF Value™: €4.13 vs. price of €6.88 (66.6% above fair value)
Industry Position: 32.2% above the Banks median (#289 of 1521)
No single metric tells the full story. See the FRA:76B stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BRD-Groupe Societe Generale SA provides banking products and services to individuals and enterprises. The company's operation format is broken down into two segments: Retail segment which consists of Individuals and Small business and Non-retail segments which include Small and medium enterprises and large corporate. It offers products including saving and deposits, consumer and housing loans, overdrafts, credit card facilities, funds transfer and payment facilities. Majority of the income for the group is derived from Interest, Fee and commission income and Net trading income.
49GF Score
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