Profile Systems & SoftwareFRA:NB6 -1.29%75 Return-on-Tangible-Equity is 28.65% as of Dec. 2025, which is 97% above its 10-year median of 14.52. GuruFocus rates FRA:NB6 with a GF Score™ of 75/100 and a GF Value™ of €9.40 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 2,467 Software companies, Profile Systems & Software ranks better than 74.75% 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. Profile Systems & Software's annualized net income for the quarter that ended in Dec. 2025 was €6.63 Mil. Profile Systems & Software's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €23.15 Mil. Therefore, Profile Systems & Software's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 28.65%.
The historical rank and industry rank for Profile Systems & Software's Return-on-Tangible-Equity or its related term are showing as below:
FRA:NB6'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.98 Med: 14.52 Max: 29.81
Current: 28.49
During the past 13 years, Profile Systems & Software's highest Return-on-Tangible-Equity was 29.81%. The lowest was 4.98%. And the median was 14.52%.
FRA:NB6's Return-on-Tangible-Equity is ranked better than 74.75% of 2467
companies
in the Software industry
Industry Median: 8.62
vs FRA:NB6: 28.49
Profile Systems & Software (FRA:NB6) 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.
Profile Systems & Software Return-on-Tangible-Equity Related Terms
Profile Systems & Software 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.
Profile Systems & Software Return-on-Tangible-Equity Chart
FRA:NB6 vs UBER, SHOP, CRM: Return-on-Tangible-Equity Comparison
For the Software - Application subindustry, Profile Systems & Software'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.
Profile Systems & Software Return-on-Tangible-Equity vs Software Industry
For the Software industry and Technology sector, Profile Systems & Software's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Profile Systems & Software'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 28.65% mean?
Profile Systems & Software (FRA:NB6) has a Return-on-Tangible-Equity of 28.65% 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 Profile Systems & Software and its competitors. This is 97% above median its historical median of 14.52. Over the past decade, Profile Systems & Software's Return-on-Tangible-Equity has ranged from 4.98 to 29.81. According to the industry distribution chart, Profile Systems & Software ranks #623 out of 2467 companies in the Software industry, placing it in the top 25.3%.
Is Profile Systems & Software's Return-on-Tangible-Equity too high?
Profile Systems & Software's current Return-on-Tangible-Equity of 28.65% is 97% above median its 10-year median of 14.52. Over the past 10 years, this metric has ranged from a low of 4.98 to a high of 29.81. The Software industry median Return-on-Tangible-Equity is 8.62. Profile Systems & Software's value of 28.65% is 232.4% above this industry median. Based on the distribution chart, Profile Systems & Software ranks #623 out of 2467 companies in the Software industry, which is above the industry midpoint. Overall, Profile Systems & Software has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Profile Systems & Software's Return-on-Tangible-Equity compare to UBER and SHOP?
According to the Software industry distribution chart, Profile Systems & Software ranks #623 out of 2467 companies for Return-on-Tangible-Equity. This puts Profile Systems & Software in the upper half of its industry. The industry median Return-on-Tangible-Equity is 8.62. Profile Systems & Software's value of 28.65% is 232.4% above this benchmark. Historically, Profile Systems & Software's own Return-on-Tangible-Equity has ranged from 4.98 to 29.81 over the past decade. While the company's 10-year median is 14.52 vs. the industry median of 8.62, Profile Systems & Software 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 a Software company?
The median Return-on-Tangible-Equity among Software companies is 8.62, based on 2,467 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. Profile Systems & Software's current Return-on-Tangible-Equity of 28.65% is 232.4% 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 Profile Systems & Software and its competitors. For the Software industry, the median Return-on-Tangible-Equity is 8.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Profile Systems & Software's current Return-on-Tangible-Equity is 28.65%, which is 97% above median its own 10-year median of 14.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Profile Systems & Software stock overvalued right now?
Based on GuruFocus' analysis, Profile Systems & Software (FRA:NB6) is currently considered Modestly Undervalued. The stock's GF Value™ is €9.40, compared to a current price of €8.41 — trading 10.5% below its estimated fair value. The current Return-on-Tangible-Equity is 28.65%, which is 97% above median its 10-year median of 14.52 and 232.4% above the Software industry median of 8.62. Profile Systems & Software's overall GF Score™ is 75/100 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 Profile Systems & Software (FRA:NB6), the current Return-on-Tangible-Equity is 28.65% 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 Profile Systems & Software (FRA:NB6) Overvalued in 2026?
Based on GuruFocus' analysis, Profile Systems & Software stock appears to be undervalued.
The current stock price of €8.41 is trading 10.5% below its estimated GF Value™ of €9.40.
GuruFocus considers Profile Systems & Software to be Modestly Undervalued.
Key valuation signals for FRA:NB6:
Return-on-Tangible-Equity: 28.65% (97% above median its 10-year median of 14.52)
GF Value™: €9.40 vs. price of €8.41 (10.5% below fair value)
Industry Position: 232.4% above the Software median (#623 of 2467)
No single metric tells the full story. See the FRA:NB6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Profile Systems & Software SA is a software company developing solutions for the international financial sector, business sector and the public sector. Its products include Axia, IMSplus, FMS.next, FMS.next Payments, RiskAvert, Native Wealth Management Mobile App, GS Market Suite, Plexus, Registry and Nowen-net. The company offers services in the field of Investment Management, Banking, Risk and Compliance, Capital Markets and Marketplace Lending in Europe, Middle East Asia, America and Africa.
75GF Score
Get the complete analysis for FRA:NB6
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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