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SBI Shinsei BankFRA:LCJ -1.29%29 Return-on-Tangible-Equity is 8.02% as of Mar. 2026, which is 25% above its 10-year median of 6.44. GuruFocus rates FRA:LCJ with a GF Score™ of 29/100. The stock has 1 warning sign investors should review. Among 1,523 Banks companies, SBI Shinsei Bank ranks worse than 50.23% 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. SBI Shinsei Bank's annualized net income for the quarter that ended in Mar. 2026 was €480 Mil. SBI Shinsei Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €5,988 Mil. Therefore, SBI Shinsei Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 8.02%.
The historical rank and industry rank for SBI Shinsei Bank's Return-on-Tangible-Equity or its related term are showing as below:
FRA:LCJ'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.38 Med: 6.44 Max: 11.19
Current: 11.19
During the past 13 years, SBI Shinsei Bank's highest Return-on-Tangible-Equity was 11.19%. The lowest was 2.38%. And the median was 6.44%.
FRA:LCJ's Return-on-Tangible-Equity is ranked worse than 50.23% of 1523
companies
in the Banks industry
Industry Median: 11.23
vs FRA:LCJ: 11.19
SBI Shinsei Bank (FRA:LCJ) 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.
SBI Shinsei Bank Return-on-Tangible-Equity Related Terms
SBI Shinsei Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for SBI Shinsei Bank'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.
SBI Shinsei Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, SBI Shinsei Bank'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.
SBI Shinsei Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, SBI Shinsei Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where SBI Shinsei Bank'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 (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 8.02% mean?
SBI Shinsei Bank (FRA:LCJ) has a Return-on-Tangible-Equity of 8.02% 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 SBI Shinsei Bank and its competitors. This is 25% above median its historical median of 6.44. Over the past decade, SBI Shinsei Bank's Return-on-Tangible-Equity has ranged from 2.38 to 11.19. According to the industry distribution chart, SBI Shinsei Bank ranks #765 out of 1523 companies in the Banks industry, placing it in the top 50.2%.
Is SBI Shinsei Bank's Return-on-Tangible-Equity too high?
SBI Shinsei Bank's current Return-on-Tangible-Equity of 8.02% is 25% above median its 10-year median of 6.44. Over the past 10 years, this metric has ranged from a low of 2.38 to a high of 11.19. The Banks industry median Return-on-Tangible-Equity is 11.23. SBI Shinsei Bank's value of 8.02% is 28.6% below this industry median. Based on the distribution chart, SBI Shinsei Bank ranks #765 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, SBI Shinsei Bank has a GF Score™ of 29/100, reflecting its overall financial health beyond just this single metric.
How does SBI Shinsei Bank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, SBI Shinsei Bank ranks #765 out of 1523 companies for Return-on-Tangible-Equity. This places SBI Shinsei Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.23. SBI Shinsei Bank's value of 8.02% is 28.6% below this benchmark. Historically, SBI Shinsei Bank's own Return-on-Tangible-Equity has ranged from 2.38 to 11.19 over the past decade. While the company's 10-year median is 6.44 vs. the industry median of 11.23, SBI Shinsei Bank 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. SBI Shinsei Bank's current Return-on-Tangible-Equity of 8.02% is 28.6% 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 SBI Shinsei Bank 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. SBI Shinsei Bank's current Return-on-Tangible-Equity is 8.02%, which is 25% above median its own 10-year median of 6.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBI Shinsei Bank stock overvalued right now?
SBI Shinsei Bank (FRA:LCJ) has a current Return-on-Tangible-Equity of 8.02%. The current Return-on-Tangible-Equity is 8.02%, which is 25% above median its 10-year median of 6.44 and 28.6% below the Banks industry median of 11.23. SBI Shinsei Bank's overall GF Score™ is 29/100 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 SBI Shinsei Bank (FRA:LCJ), the current Return-on-Tangible-Equity is 8.02% 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.
SBI Shinsei Bank Ltd is a commercial bank in Japan. It provides a broad range of value-added financial solutions to institutional and individual customers under the banner of "Better Banking. It offers PowerFlex account, free ATM network and internet banking service, and customer-friendly financial centers have redefined the Japanese retail banking experience.
29GF Score
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