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Global International Credit GroupHKSE:01669 -0.33%43 Return-on-Tangible-Equity is 5.20% as of Dec. 2025, which is 26% below its 10-year median of 7.04. GuruFocus rates HKSE:01669 with a GF Score™ of 43/100 and a GF Value™ of HK$0.50 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 527 Credit Services companies, Global International Credit Group ranks worse than 56.17% on this metric.
The historical rank and industry rank for Global International Credit Group's Return-on-Tangible-Equity or its related term are showing as below:
HKSE:01669'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5 Med: 7.04 Max: 12.02
Current: 5.59
During the past 13 years, Global International Credit Group's highest Return-on-Tangible-Equity was 12.02%. The lowest was 5.00%. And the median was 7.04%.
HKSE:01669's Return-on-Tangible-Equity is ranked worse than 56.17% of 527
companies
in the Credit Services industry
Industry Median: 7.24
vs HKSE:01669: 5.59
Global International Credit Group (HKSE:01669) 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.
Global International Credit Group Return-on-Tangible-Equity Related Terms
Global International Credit Group 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.
Global International Credit Group Return-on-Tangible-Equity Chart
HKSE:01669 vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Global International Credit 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.
Global International Credit Group Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Global International Credit Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Global International Credit 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 5.20% mean?
Global International Credit Group (HKSE:01669) has a Return-on-Tangible-Equity of 5.20% 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 Global International Credit Group and its competitors. This is 26% below median its historical median of 7.04. Over the past decade, Global International Credit Group's Return-on-Tangible-Equity has ranged from 5.00 to 12.02. According to the industry distribution chart, Global International Credit Group ranks #296 out of 527 companies in the Credit Services industry, placing it in the top 56.2%.
Is Global International Credit Group's Return-on-Tangible-Equity too high?
Global International Credit Group's current Return-on-Tangible-Equity of 5.20% is 26% below median its 10-year median of 7.04. Over the past 10 years, this metric has ranged from a low of 5.00 to a high of 12.02. The Credit Services industry median Return-on-Tangible-Equity is 7.24. Global International Credit Group's value of 5.20% is 28.2% below this industry median. Based on the distribution chart, Global International Credit Group ranks #296 out of 527 companies in the Credit Services industry, which is below the industry midpoint. Overall, Global International Credit Group has a GF Score™ of 43/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Global International Credit Group's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Global International Credit Group ranks #296 out of 527 companies for Return-on-Tangible-Equity. This places Global International Credit Group in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.24. Global International Credit Group's value of 5.20% is 28.2% below this benchmark. Historically, Global International Credit Group's own Return-on-Tangible-Equity has ranged from 5.00 to 12.02 over the past decade. While the company's 10-year median is 7.04 vs. the industry median of 7.24, Global International Credit 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 Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.24, based on 527 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. Global International Credit Group's current Return-on-Tangible-Equity of 5.20% is 28.2% 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 Global International Credit Group and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Global International Credit Group's current Return-on-Tangible-Equity is 5.20%, which is 26% below median its own 10-year median of 7.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Global International Credit Group stock overvalued right now?
Based on GuruFocus' analysis, Global International Credit Group (HKSE:01669) is currently considered Significantly Overvalued. The stock's GF Value™ is HK$0.50, compared to a current price of HK$1.50 — trading 200% above its estimated fair value. The current Return-on-Tangible-Equity is 5.20%, which is 26% below median its 10-year median of 7.04 and 28.2% below the Credit Services industry median of 7.24. Global International Credit Group's overall GF Score™ is 43/100 with 6 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 Global International Credit Group (HKSE:01669), the current Return-on-Tangible-Equity is 5.20% 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 Global International Credit Group (HKSE:01669) Overvalued in 2026?
Based on GuruFocus' analysis, Global International Credit Group stock appears to be overvalued.
The current stock price of HK$1.50 is trading 200% above its estimated GF Value™ of HK$0.50.
GuruFocus considers Global International Credit Group to be Significantly Overvalued.
Key valuation signals for HKSE:01669:
Return-on-Tangible-Equity: 5.20% (26% below median its 10-year median of 7.04)
GF Value™: HK$0.50 vs. price of HK$1.50 (200% above fair value)
Industry Position: 28.2% below the Credit Services median (#296 of 527)
No single metric tells the full story. See the HKSE:01669 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Global International Credit Group Ltd is engaged in the money lending business. The company provides short-term and long-term property mortgage loans to customers in Hong Kong. It provides flexible loan solutions, property mortgage loans, and personal loans. The company's revenue is generated from the money lending business of providing property mortgage loans and personal loans in Hong Kong.
43GF Score
Get the complete analysis for HKSE:01669
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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