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Banco Di Desio E Della Brianza SpAFRA:BJ7 +1.51%44 Return-on-Tangible-Equity is 10.30% as of Mar. 2026, which is 99% above its 10-year median of 5.17. GuruFocus rates FRA:BJ7 with a GF Score™ of 44/100 and a GF Value™ of €6.26 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,523 Banks companies, Banco Di Desio E Della Brianza SpA ranks worse than 63.76% on this metric.
The historical rank and industry rank for Banco Di Desio E Della Brianza SpA's Return-on-Tangible-Equity or its related term are showing as below:
FRA:BJ7'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.46 Med: 5.17 Max: 19.91
Current: 8.89
During the past 13 years, Banco Di Desio E Della Brianza SpA's highest Return-on-Tangible-Equity was 19.91%. The lowest was 2.46%. And the median was 5.17%.
FRA:BJ7's Return-on-Tangible-Equity is ranked worse than 63.76% of 1523
companies
in the Banks industry
Industry Median: 11.23
vs FRA:BJ7: 8.89
Banco Di Desio E Della Brianza SpA (FRA:BJ7) 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.
Banco Di Desio E Della Brianza SpA Return-on-Tangible-Equity Related Terms
Banco Di Desio E Della Brianza SpA 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.
Banco Di Desio E Della Brianza SpA Return-on-Tangible-Equity Chart
FRA:BJ7 vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Banco Di Desio E Della Brianza SpA'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.
Banco Di Desio E Della Brianza SpA Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Banco Di Desio E Della Brianza SpA's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Banco Di Desio E Della Brianza SpA'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 10.30% mean?
Banco Di Desio E Della Brianza SpA (FRA:BJ7) has a Return-on-Tangible-Equity of 10.30% 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 Banco Di Desio E Della Brianza SpA and its competitors. This is 99% above median its historical median of 5.17. Over the past decade, Banco Di Desio E Della Brianza SpA's Return-on-Tangible-Equity has ranged from 2.46 to 19.91. According to the industry distribution chart, Banco Di Desio E Della Brianza SpA ranks #971 out of 1523 companies in the Banks industry, placing it in the top 63.8%.
Is Banco Di Desio E Della Brianza SpA's Return-on-Tangible-Equity too high?
Banco Di Desio E Della Brianza SpA's current Return-on-Tangible-Equity of 10.30% is 99% above median its 10-year median of 5.17. Over the past 10 years, this metric has ranged from a low of 2.46 to a high of 19.91. The Banks industry median Return-on-Tangible-Equity is 11.23. Banco Di Desio E Della Brianza SpA's value of 10.30% is 8.3% below this industry median. Based on the distribution chart, Banco Di Desio E Della Brianza SpA ranks #971 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, Banco Di Desio E Della Brianza SpA has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Di Desio E Della Brianza SpA's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Banco Di Desio E Della Brianza SpA ranks #971 out of 1523 companies for Return-on-Tangible-Equity. This places Banco Di Desio E Della Brianza SpA in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.23. Banco Di Desio E Della Brianza SpA's value of 10.30% is 8.3% below this benchmark. Historically, Banco Di Desio E Della Brianza SpA's own Return-on-Tangible-Equity has ranged from 2.46 to 19.91 over the past decade. While the company's 10-year median is 5.17 vs. the industry median of 11.23, Banco Di Desio E Della Brianza SpA 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 11.23, based on 1,523 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. Banco Di Desio E Della Brianza SpA's current Return-on-Tangible-Equity of 10.30% is 8.3% 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 Banco Di Desio E Della Brianza SpA and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Di Desio E Della Brianza SpA's current Return-on-Tangible-Equity is 10.30%, which is 99% above median its own 10-year median of 5.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Di Desio E Della Brianza SpA stock overvalued right now?
Based on GuruFocus' analysis, Banco Di Desio E Della Brianza SpA (FRA:BJ7) is currently considered Significantly Overvalued. The stock's GF Value™ is €6.26, compared to a current price of €14.82 — trading 136.7% above its estimated fair value. The current Return-on-Tangible-Equity is 10.30%, which is 99% above median its 10-year median of 5.17 and 8.3% below the Banks industry median of 11.23. Banco Di Desio E Della Brianza SpA's overall GF Score™ is 44/100 with 7 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 Banco Di Desio E Della Brianza SpA (FRA:BJ7), the current Return-on-Tangible-Equity is 10.30% 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 Banco Di Desio E Della Brianza SpA (FRA:BJ7) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Di Desio E Della Brianza SpA stock appears to be overvalued.
The current stock price of €14.82 is trading 136.7% above its estimated GF Value™ of €6.26.
GuruFocus considers Banco Di Desio E Della Brianza SpA to be Significantly Overvalued.
Key valuation signals for FRA:BJ7:
Return-on-Tangible-Equity: 10.30% (99% above median its 10-year median of 5.17)
GF Value™: €6.26 vs. price of €14.82 (136.7% above fair value)
Industry Position: 8.3% below the Banks median (#971 of 1523)
No single metric tells the full story. See the FRA:BJ7 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Di Desio E Della Brianza SpA Business Description
Banco Di Desio E Della Brianza SpA is an Italy based company engaged in providing financial services. The group operates by carrying out traditional banking activities, providing asset management services and selling life and non-life bancassurance products. It offers loans and deposits; financial, banking, and payment services; insurance products, asset management products; debit and credit cards. The bank serves individuals and small to midsized businesses by providing other services. The activities are carried out through Italy.
44GF Score
Get the complete analysis for FRA:BJ7
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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