BNP Paribas Bank PolskaFRA:82MA +3.42%76 Return-on-Tangible-Equity is 8.94% as of Mar. 2026, which is 69% above its 10-year median of 5.28. GuruFocus rates FRA:82MA with a GF Score™ of 76/100 and a GF Value™ of €21.96 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,521 Banks companies, BNP Paribas Bank Polska ranks better than 82.12% 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. BNP Paribas Bank Polska's annualized net income for the quarter that ended in Mar. 2026 was €344 Mil. BNP Paribas Bank Polska's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €3,847 Mil. Therefore, BNP Paribas Bank Polska's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 8.94%.
The historical rank and industry rank for BNP Paribas Bank Polska's Return-on-Tangible-Equity or its related term are showing as below:
FRA:82MA'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 1.29 Med: 5.28 Max: 19.69
Current: 16.94
During the past 13 years, BNP Paribas Bank Polska's highest Return-on-Tangible-Equity was 19.69%. The lowest was 1.29%. And the median was 5.28%.
FRA:82MA's Return-on-Tangible-Equity is ranked better than 82.12% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs FRA:82MA: 16.94
BNP Paribas Bank Polska (FRA:82MA) 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.
BNP Paribas Bank Polska Return-on-Tangible-Equity Related Terms
BNP Paribas Bank Polska Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for BNP Paribas Bank Polska'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.
BNP Paribas Bank Polska Return-on-Tangible-Equity Chart
FRA:82MA vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, BNP Paribas Bank Polska'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.
BNP Paribas Bank Polska Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, BNP Paribas Bank Polska's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where BNP Paribas Bank Polska'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 8.94% mean?
BNP Paribas Bank Polska (FRA:82MA) has a Return-on-Tangible-Equity of 8.94% 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 BNP Paribas Bank Polska and its competitors. This is 69% above median its historical median of 5.28. Over the past decade, BNP Paribas Bank Polska's Return-on-Tangible-Equity has ranged from 1.29 to 19.69. According to the industry distribution chart, BNP Paribas Bank Polska ranks #272 out of 1521 companies in the Banks industry, placing it in the top 17.9%.
Is BNP Paribas Bank Polska's Return-on-Tangible-Equity too high?
BNP Paribas Bank Polska's current Return-on-Tangible-Equity of 8.94% is 69% above median its 10-year median of 5.28. Over the past 10 years, this metric has ranged from a low of 1.29 to a high of 19.69. The Banks industry median Return-on-Tangible-Equity is 11.19. BNP Paribas Bank Polska's value of 8.94% is 20.1% below this industry median. Based on the distribution chart, BNP Paribas Bank Polska ranks #272 out of 1521 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BNP Paribas Bank Polska has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BNP Paribas Bank Polska's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, BNP Paribas Bank Polska ranks #272 out of 1521 companies for Return-on-Tangible-Equity. This places BNP Paribas Bank Polska in the top 18% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. BNP Paribas Bank Polska's value of 8.94% is 20.1% below this benchmark. Historically, BNP Paribas Bank Polska's own Return-on-Tangible-Equity has ranged from 1.29 to 19.69 over the past decade. While the company's 10-year median is 5.28 vs. the industry median of 11.19, BNP Paribas Bank Polska 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 11.19, 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. BNP Paribas Bank Polska's current Return-on-Tangible-Equity of 8.94% is 20.1% 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 BNP Paribas Bank Polska 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. BNP Paribas Bank Polska's current Return-on-Tangible-Equity is 8.94%, which is 69% above median its own 10-year median of 5.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BNP Paribas Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, BNP Paribas Bank Polska (FRA:82MA) is currently considered Significantly Overvalued. The stock's GF Value™ is €21.96, compared to a current price of €34.75 — trading 58.2% above its estimated fair value. The current Return-on-Tangible-Equity is 8.94%, which is 69% above median its 10-year median of 5.28 and 20.1% below the Banks industry median of 11.19. BNP Paribas Bank Polska's overall GF Score™ is 76/100 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 BNP Paribas Bank Polska (FRA:82MA), the current Return-on-Tangible-Equity is 8.94% 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 BNP Paribas Bank Polska (FRA:82MA) Overvalued in 2026?
Based on GuruFocus' analysis, BNP Paribas Bank Polska stock appears to be overvalued.
The current stock price of €34.75 is trading 58.2% above its estimated GF Value™ of €21.96.
GuruFocus considers BNP Paribas Bank Polska to be Significantly Overvalued.
Key valuation signals for FRA:82MA:
Return-on-Tangible-Equity: 8.94% (69% above median its 10-year median of 5.28)
GF Value™: €21.96 vs. price of €34.75 (58.2% above fair value)
Industry Position: 20.1% below the Banks median (#272 of 1521)
No single metric tells the full story. See the FRA:82MA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BNP Paribas Bank Polska SA is a universal commercial bank offering a wide range of banking services provided to individual and institutional customers in accordance with the scope of services specified in the Bank's Articles of Association. The Bank operates both in Polish zlotys and foreign currencies and actively participates in trading on domestic and foreign financial markets. In addition, through its subsidiaries, the Group conducts brokerage and leasing activities and provides other financial services. Its reportable operating segments include Retail and Business Banking, Small and Medium-Sized Enterprises (SME), Corporate Banking, Corporate and Institutional Banking (CIB), and Other Operations, including ALM Treasury and the Corporate Centre.
76GF Score
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