Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Goldpac GroupFRA:G9D +0.75%46 Return-on-Tangible-Equity is 1.66% as of Dec. 2025, which is 77% below its 10-year median of 7.28. GuruFocus rates FRA:G9D with a GF Score™ of 46/100 and a GF Value™ of €0.08. The stock has 7 warning signs investors should review. Among 2,487 Software companies, Goldpac Group ranks worse than 63.65% 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. Goldpac Group's annualized net income for the quarter that ended in Dec. 2025 was €4.0 Mil. Goldpac Group's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €242.0 Mil. Therefore, Goldpac Group's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 1.66%.
The historical rank and industry rank for Goldpac Group's Return-on-Tangible-Equity or its related term are showing as below:
FRA:G9D'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.02 Med: 7.28 Max: 10.82
Current: 2.02
During the past 13 years, Goldpac Group's highest Return-on-Tangible-Equity was 10.82%. The lowest was 2.02%. And the median was 7.28%.
FRA:G9D's Return-on-Tangible-Equity is ranked worse than 63.65% of 2487
companies
in the Software industry
Industry Median: 9.03
vs FRA:G9D: 2.02
Goldpac Group (FRA:G9D) 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.
Goldpac Group Return-on-Tangible-Equity Related Terms
Goldpac Group Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Goldpac 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:G9D vs MSFT, ORCL, PLTR: Return-on-Tangible-Equity Comparison
For the Software - Infrastructure subindustry, Goldpac 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.
Goldpac Group Return-on-Tangible-Equity vs Software Industry
For the Software industry and Technology sector, Goldpac Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Goldpac 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 1.66% mean?
Goldpac Group (FRA:G9D) has a Return-on-Tangible-Equity of 1.66% 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 Goldpac Group and its competitors. This is 77% below median its historical median of 7.28. Over the past decade, Goldpac Group's Return-on-Tangible-Equity has ranged from 2.02 to 10.82. According to the industry distribution chart, Goldpac Group ranks #1583 out of 2487 companies in the Software industry, placing it in the top 63.7%.
Is Goldpac Group's Return-on-Tangible-Equity too high?
Goldpac Group's current Return-on-Tangible-Equity of 1.66% is 77% below median its 10-year median of 7.28. Over the past 10 years, this metric has ranged from a low of 2.02 to a high of 10.82. The Software industry median Return-on-Tangible-Equity is 9.03. Goldpac Group's value of 1.66% is 81.6% below this industry median. Based on the distribution chart, Goldpac Group ranks #1583 out of 2487 companies in the Software industry, which is below the industry midpoint. Overall, Goldpac Group has a GF Score™ of 46/100, reflecting its overall financial health beyond just this single metric.
How does Goldpac Group's Return-on-Tangible-Equity compare to MSFT and ORCL?
According to the Software industry distribution chart, Goldpac Group ranks #1583 out of 2487 companies for Return-on-Tangible-Equity. This places Goldpac Group in the lower half of its industry. The industry median Return-on-Tangible-Equity is 9.03. Goldpac Group's value of 1.66% is 81.6% below this benchmark. Historically, Goldpac Group's own Return-on-Tangible-Equity has ranged from 2.02 to 10.82 over the past decade. While the company's 10-year median is 7.28 vs. the industry median of 9.03, Goldpac Group 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 Software company?
The median Return-on-Tangible-Equity among Software companies is 9.03, based on 2,487 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. Goldpac Group's current Return-on-Tangible-Equity of 1.66% is 81.6% 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 Goldpac Group and its competitors. For the Software industry, the median Return-on-Tangible-Equity is 9.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Goldpac Group's current Return-on-Tangible-Equity is 1.66%, which is 77% below median its own 10-year median of 7.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Goldpac Group stock overvalued right now?
Goldpac Group (FRA:G9D) has a current Return-on-Tangible-Equity of 1.66%. The stock's GF Value™ is €0.08, compared to a current price of €0.07 — trading 15.6% below its estimated fair value. The current Return-on-Tangible-Equity is 1.66%, which is 77% below median its 10-year median of 7.28 and 81.6% below the Software industry median of 9.03. Goldpac Group's overall GF Score™ is 46/100 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 Goldpac Group (FRA:G9D), the current Return-on-Tangible-Equity is 1.66% 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 Goldpac Group (FRA:G9D) Overvalued in 2026?
Based on GuruFocus' analysis, Goldpac Group stock appears to be undervalued.
The current stock price of €0.07 is trading 15.6% below its estimated GF Value™ of €0.08.
Key valuation signals for FRA:G9D:
Return-on-Tangible-Equity: 1.66% (77% below median its 10-year median of 7.28)
GF Value™: €0.08 vs. price of €0.07 (15.6% below fair value)
Industry Position: 81.6% below the Software median (#1583 of 2487)
No single metric tells the full story. See the FRA:G9D stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Goldpac Group Ltd offers solutions to secure payment systems, embedded software and security products, data management services, card issuance systems, multi-function terminals, and custom turnkey solutions covering financial services. The operating segments of the group are Embedded software and secure payment products, which is the key revenue-driving segment, includes embedded software and secure payment products for smart secure payment; and the Platform and service segment which involves the provision of data processing, equipment, system platforms and other total solutions for customers in a wide business range including financial, government, healthcare, transportation and retails by leveraging Fintech.
46GF Score
Get the complete analysis for FRA:G9D
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:G9D has been successfully added to your 
