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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. Public Financial Holdings's annualized net income for the quarter that ended in Jun. 2026 was HK$50 Mil. Public Financial Holdings's average shareholder tangible equity for the quarter that ended in Jun. 2026 was HK$5,802 Mil. Therefore, Public Financial Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 0.87%.
The historical rank and industry rank for Public Financial Holdings's Return-on-Tangible-Equity or its related term are showing as below:
HKSE:00626'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -17.17 Med: 8.12 Max: 10.77
Current: 1.77
During the past 13 years, Public Financial Holdings's highest Return-on-Tangible-Equity was 10.77%. The lowest was -17.17%. And the median was 8.12%.
HKSE:00626's Return-on-Tangible-Equity is ranked worse than 92.9% of 1522
companies
in the Banks industry
Industry Median: 11.43
vs HKSE:00626: 1.77
Public Financial Holdings (HKSE:00626) 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.
Public Financial Holdings Return-on-Tangible-Equity Related Terms
Public Financial Holdings Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Public Financial Holdings'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.
Public Financial Holdings Return-on-Tangible-Equity Chart
HKSE:00626 vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Public Financial Holdings'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.
Public Financial Holdings Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Public Financial Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Public Financial Holdings'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 (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 0.87% mean?
Public Financial Holdings (HKSE:00626) has a Return-on-Tangible-Equity of 0.87% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Public Financial Holdings and its competitors. This is 89% below median its historical median of 8.12. According to the industry distribution chart, Public Financial Holdings ranks #1414 out of 1522 companies in the Banks industry, placing it in the top 92.9%.
Is Public Financial Holdings' Return-on-Tangible-Equity too high?
Public Financial Holdings' current Return-on-Tangible-Equity of 0.87% is 89% below median its 10-year median of 8.12. The Banks industry median Return-on-Tangible-Equity is 11.43. Public Financial Holdings' value of 0.87% is 92.4% below this industry median. Based on the distribution chart, Public Financial Holdings ranks #1414 out of 1522 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Public Financial Holdings has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Public Financial Holdings' Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Public Financial Holdings ranks #1414 out of 1522 companies for Return-on-Tangible-Equity. This places Public Financial Holdings in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.43. Public Financial Holdings' value of 0.87% is 92.4% below this benchmark. While the company's 10-year median is 8.12 vs. the industry median of 11.43, Public Financial Holdings 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 11.43, based on 1,522 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. Public Financial Holdings's current Return-on-Tangible-Equity of 0.87% is 92.4% 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 Public Financial Holdings and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Public Financial Holdings's current Return-on-Tangible-Equity is 0.87%, which is 89% below median its own 10-year median of 8.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Public Financial Holdings stock overvalued right now?
Based on GuruFocus' analysis, Public Financial Holdings (HKSE:00626) is currently considered Fairly Valued. The stock's GF Value™ is HK$1.52, compared to a current price of HK$1.55 — trading 2% above its estimated fair value. The current Return-on-Tangible-Equity is 0.87%, which is 89% below median its 10-year median of 8.12 and 92.4% below the Banks industry median of 11.43. Public Financial Holdings' overall GF Score™ is 58/100 with 2 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 Public Financial Holdings (HKSE:00626), the current Return-on-Tangible-Equity is 0.87% as of Jun. 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 Public Financial Holdings (HKSE:00626) Overvalued in 2026?
Based on GuruFocus' analysis, Public Financial Holdings stock appears to be overvalued.
The current stock price of HK$1.55 is trading 2% above its estimated GF Value™ of HK$1.52.
GuruFocus considers Public Financial Holdings to be Fairly Valued.
Key valuation signals for HKSE:00626:
Return-on-Tangible-Equity: 0.87% (89% below median its 10-year median of 8.12)
GF Value™: HK$1.52 vs. price of HK$1.55 (2% above fair value)
Industry Position: 92.4% below the Banks median (#1414 of 1522)
No single metric tells the full story. See the HKSE:00626 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Public Financial Holdings Ltd is principally engaged in the provision of a range of banking and financial services, stockbroking, the letting of investment properties, the provision of financing to purchasers of taxis and public light buses, the trading of taxi cabs and taxi licences, and the leasing of taxis. The company has three main segments: i) retail and commercial banking businesses; ii) wealth management services, stockbroking and securities management; and iii) other businesses. The majority of the company's revenue is derived from the Retail and Commercial Banking segment, which offers deposit accounts, lending, leasing, business and vehicle financing, foreign exchange, and cash and risk management services.
58GF Score
Get the complete analysis for HKSE:00626
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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