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Ategrity Specialty Insurance Co HoldingsFRA:A1Q +1.55%24 Return-on-Tangible-Equity is 16.46% as of Mar. 2026, which is 26% above its 10-year median of 13.08. GuruFocus rates FRA:A1Q with a GF Score™ of 24/100. The stock has 1 warning sign investors should review. Among 496 Insurance companies, Ategrity Specialty Insurance Co Holdings ranks better than 59.27% on this metric.
FRA:A1Q'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.12 Med: 13.08 Max: 16.13
Current: 16.13
During the past 3 years, Ategrity Specialty Insurance Co Holdings's highest Return-on-Tangible-Equity was 16.13%. The lowest was 3.12%. And the median was 13.08%.
FRA:A1Q's Return-on-Tangible-Equity is ranked better than 59.27% of 496
companies
in the Insurance industry
Industry Median: 13.43
vs FRA:A1Q: 16.13
Ategrity Specialty Insurance Co Holdings (FRA:A1Q) 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.
Ategrity Specialty Insurance Co Holdings Return-on-Tangible-Equity Related Terms
Ategrity Specialty Insurance Co Holdings 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.
Ategrity Specialty Insurance Co Holdings Return-on-Tangible-Equity Chart
Ategrity Specialty Insurance Co Holdings Annual Data
Trend
Dec23
Dec24
Dec25
Return-on-Tangible-Equity
3.12
13.32
13.97
Ategrity Specialty Insurance Co Holdings Quarterly Data
FRA:A1Q vs UVE, SAFT, TRUP: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, Ategrity Specialty Insurance Co Holdings'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.
Ategrity Specialty Insurance Co Holdings Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Ategrity Specialty Insurance Co Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Ategrity Specialty Insurance Co Holdings'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 16.46% mean?
Ategrity Specialty Insurance Co Holdings (FRA:A1Q) has a Return-on-Tangible-Equity of 16.46% 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 Ategrity Specialty Insurance Co Holdings and its competitors. This is 26% above median its historical median of 13.08. Over the past decade, Ategrity Specialty Insurance Co Holdings' Return-on-Tangible-Equity has ranged from 3.12 to 16.13. According to the industry distribution chart, Ategrity Specialty Insurance Co Holdings ranks #202 out of 496 companies in the Insurance industry, placing it in the top 40.7%.
Is Ategrity Specialty Insurance Co Holdings' Return-on-Tangible-Equity too high?
Ategrity Specialty Insurance Co Holdings' current Return-on-Tangible-Equity of 16.46% is 26% above median its 10-year median of 13.08. Over the past 10 years, this metric has ranged from a low of 3.12 to a high of 16.13. The Insurance industry median Return-on-Tangible-Equity is 13.43. Ategrity Specialty Insurance Co Holdings' value of 16.46% is 22.6% above this industry median. Based on the distribution chart, Ategrity Specialty Insurance Co Holdings ranks #202 out of 496 companies in the Insurance industry, which is above the industry midpoint. Overall, Ategrity Specialty Insurance Co Holdings has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does Ategrity Specialty Insurance Co Holdings' Return-on-Tangible-Equity compare to UVE and SAFT?
According to the Insurance industry distribution chart, Ategrity Specialty Insurance Co Holdings ranks #202 out of 496 companies for Return-on-Tangible-Equity. This puts Ategrity Specialty Insurance Co Holdings in the upper half of its industry. The industry median Return-on-Tangible-Equity is 13.43. Ategrity Specialty Insurance Co Holdings' value of 16.46% is 22.6% above this benchmark. Historically, Ategrity Specialty Insurance Co Holdings' own Return-on-Tangible-Equity has ranged from 3.12 to 16.13 over the past decade. While the company's 10-year median is 13.08 vs. the industry median of 13.43, Ategrity Specialty Insurance Co Holdings 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 an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.43, based on 496 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. Ategrity Specialty Insurance Co Holdings's current Return-on-Tangible-Equity of 16.46% is 22.6% 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 Ategrity Specialty Insurance Co Holdings and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ategrity Specialty Insurance Co Holdings's current Return-on-Tangible-Equity is 16.46%, which is 26% above median its own 10-year median of 13.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ategrity Specialty Insurance Co Holdings stock overvalued right now?
Ategrity Specialty Insurance Co Holdings (FRA:A1Q) has a current Return-on-Tangible-Equity of 16.46%. The current Return-on-Tangible-Equity is 16.46%, which is 26% above median its 10-year median of 13.08 and 22.6% above the Insurance industry median of 13.43. Ategrity Specialty Insurance Co Holdings' overall GF Score™ is 24/100 with 1 warning sign 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 Ategrity Specialty Insurance Co Holdings (FRA:A1Q), the current Return-on-Tangible-Equity is 16.46% 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.
Ategrity Specialty Insurance Co Holdings Business Description
Ategrity Specialty Insurance Co Holdings is a specialty property and casualty insurance holding company focused on the excess and surplus market for small to medium-sized businesses (SMBs) across the United States. Operating through its subsidiaries, the company underwrites small and medium-sized commercial risks across selected industry verticals, including Retail, Real Estate, Hospitality, and Construction. Its operating model uses a technology-driven method to standardize, simplify, and, where appropriate, automate these transactions. The group distributes its products through licensed surplus lines brokers and wholesale agents.
24GF Score
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