ABN AMRO Bank NVHAM:AB2 +2.44%38 Return-on-Tangible-Equity is 10.22% as of Mar. 2026, which is 6% above its 10-year median of 9.63. GuruFocus rates HAM:AB2 with a GF Score™ of 38/100 and a GF Value™ of €17.77 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,525 Banks companies, ABN AMRO Bank NV ranks worse than 65.44% 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. ABN AMRO Bank NV's annualized net income for the quarter that ended in Mar. 2026 was €2,772 Mil. ABN AMRO Bank NV's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €27,125 Mil. Therefore, ABN AMRO Bank NV's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 10.22%.
The historical rank and industry rank for ABN AMRO Bank NV's Return-on-Tangible-Equity or its related term are showing as below:
HAM:AB2'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -0.21 Med: 9.63 Max: 13.93
Current: 8.6
During the past 13 years, ABN AMRO Bank NV's highest Return-on-Tangible-Equity was 13.93%. The lowest was -0.21%. And the median was 9.63%.
HAM:AB2's Return-on-Tangible-Equity is ranked worse than 65.44% of 1525
companies
in the Banks industry
Industry Median: 11.2
vs HAM:AB2: 8.60
ABN AMRO Bank NV (HAM:AB2) 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.
ABN AMRO Bank NV Return-on-Tangible-Equity Related Terms
ABN AMRO Bank NV Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for ABN AMRO Bank NV'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.
HAM:AB2 vs JPM, BAC, WFC: Return-on-Tangible-Equity Comparison
For the Banks - Diversified subindustry, ABN AMRO Bank NV'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.
ABN AMRO Bank NV Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, ABN AMRO Bank NV's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where ABN AMRO Bank NV'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 10.22% mean?
ABN AMRO Bank NV (HAM:AB2) has a Return-on-Tangible-Equity of 10.22% 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 ABN AMRO Bank NV and its competitors. This is near median its historical median of 9.63. According to the industry distribution chart, ABN AMRO Bank NV ranks #998 out of 1525 companies in the Banks industry, placing it in the top 65.4%.
Is ABN AMRO Bank NV's Return-on-Tangible-Equity too high?
ABN AMRO Bank NV's current Return-on-Tangible-Equity of 10.22% is near median its 10-year median of 9.63. The Banks industry median Return-on-Tangible-Equity is 11.20. ABN AMRO Bank NV's value of 10.22% is 8.7% below this industry median. Based on the distribution chart, ABN AMRO Bank NV ranks #998 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, ABN AMRO Bank NV has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ABN AMRO Bank NV's Return-on-Tangible-Equity compare to JPM and BAC?
According to the Banks industry distribution chart, ABN AMRO Bank NV ranks #998 out of 1525 companies for Return-on-Tangible-Equity. This places ABN AMRO Bank NV in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. ABN AMRO Bank NV's value of 10.22% is 8.7% below this benchmark. While the company's 10-year median is 9.63 vs. the industry median of 11.20, ABN AMRO Bank NV 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 11.20, based on 1,525 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. ABN AMRO Bank NV's current Return-on-Tangible-Equity of 10.22% is 8.7% 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 ABN AMRO Bank NV and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ABN AMRO Bank NV's current Return-on-Tangible-Equity is 10.22%, which is near median its own 10-year median of 9.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ABN AMRO Bank NV stock overvalued right now?
Based on GuruFocus' analysis, ABN AMRO Bank NV (HAM:AB2) is currently considered Significantly Overvalued. The stock's GF Value™ is €17.77, compared to a current price of €36.98 — trading 108.1% above its estimated fair value. The current Return-on-Tangible-Equity is 10.22%, which is near median its 10-year median of 9.63 and 8.7% below the Banks industry median of 11.20. ABN AMRO Bank NV's overall GF Score™ is 38/100 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 ABN AMRO Bank NV (HAM:AB2), the current Return-on-Tangible-Equity is 10.22% 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 ABN AMRO Bank NV (HAM:AB2) Overvalued in 2026?
Based on GuruFocus' analysis, ABN AMRO Bank NV stock appears to be overvalued.
The current stock price of €36.98 is trading 108.1% above its estimated GF Value™ of €17.77.
GuruFocus considers ABN AMRO Bank NV to be Significantly Overvalued.
Key valuation signals for HAM:AB2:
Return-on-Tangible-Equity: 10.22% (near median its 10-year median of 9.63)
GF Value™: €17.77 vs. price of €36.98 (108.1% above fair value)
Industry Position: 8.7% below the Banks median (#998 of 1525)
No single metric tells the full story. See the HAM:AB2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The Netherlands accounts for around 90% of ABN Amro's operating profit. Operationally, retail and commercial banking contributes the majority of the company's operating profit, while ABN Amro continues to reduce its exposure to corporate and investment banking. It views private banking as one of its key growth areas.
38GF Score
Get the complete analysis for HAM:AB2
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