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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. Zuoli Kechuang Micro-finance Co's annualized net income for the quarter that ended in Jun. 2026 was HK$0.0 Mil. Zuoli Kechuang Micro-finance Co's average shareholder tangible equity for the quarter that ended in Jun. 2026 was HK$2,307.1 Mil. Therefore, Zuoli Kechuang Micro-finance Co's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 0.00%.
The historical rank and industry rank for Zuoli Kechuang Micro-finance Co's Return-on-Tangible-Equity or its related term are showing as below:
HKSE:06866'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.93 Med: 6.72 Max: 10.76
Current: 2.93
During the past 13 years, Zuoli Kechuang Micro-finance Co's highest Return-on-Tangible-Equity was 10.76%. The lowest was 2.93%. And the median was 6.72%.
HKSE:06866's Return-on-Tangible-Equity is ranked worse than 64.83% of 526
companies
in the Credit Services industry
Industry Median: 7.205
vs HKSE:06866: 2.93
Zuoli Kechuang Micro-finance Co (HKSE:06866) 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.
Zuoli Kechuang Micro-finance Co Return-on-Tangible-Equity Related Terms
Zuoli Kechuang Micro-finance Co 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.
Zuoli Kechuang Micro-finance Co Return-on-Tangible-Equity Chart
HKSE:06866 vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Zuoli Kechuang Micro-finance Co'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.
Zuoli Kechuang Micro-finance Co Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zuoli Kechuang Micro-finance Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Zuoli Kechuang Micro-finance Co'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 (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 0.00% mean?
Zuoli Kechuang Micro-finance Co (HKSE:06866) has a Return-on-Tangible-Equity of 0.00% 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 Zuoli Kechuang Micro-finance Co and its competitors. Over the past decade, Zuoli Kechuang Micro-finance Co's Return-on-Tangible-Equity has ranged from 2.93 to 10.76. According to the industry distribution chart, Zuoli Kechuang Micro-finance Co ranks #341 out of 526 companies in the Credit Services industry, placing it in the top 64.8%.
Is Zuoli Kechuang Micro-finance Co's Return-on-Tangible-Equity too high?
Zuoli Kechuang Micro-finance Co's current Return-on-Tangible-Equity is 0.00%. Over the past 10 years, this metric has ranged from a low of 2.93 to a high of 10.76. Based on the distribution chart, Zuoli Kechuang Micro-finance Co ranks #341 out of 526 companies in the Credit Services industry, which is below the industry midpoint. Overall, Zuoli Kechuang Micro-finance Co has a GF Score™ of 34/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zuoli Kechuang Micro-finance Co's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Zuoli Kechuang Micro-finance Co ranks #341 out of 526 companies for Return-on-Tangible-Equity. This places Zuoli Kechuang Micro-finance Co in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.21. Historically, Zuoli Kechuang Micro-finance Co's own Return-on-Tangible-Equity has ranged from 2.93 to 10.76 over the past decade. 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 7.21, based on 526 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. 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 Zuoli Kechuang Micro-finance Co and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zuoli Kechuang Micro-finance Co's current Return-on-Tangible-Equity is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zuoli Kechuang Micro-finance Co stock overvalued right now?
Based on GuruFocus' analysis, Zuoli Kechuang Micro-finance Co (HKSE:06866) is currently considered Modestly Overvalued. The stock's GF Value™ is HK$0.24, compared to a current price of HK$0.28 — trading 16.7% above its estimated fair value. The current Return-on-Tangible-Equity is 0.00%. Zuoli Kechuang Micro-finance Co's overall GF Score™ is 34/100 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 Zuoli Kechuang Micro-finance Co (HKSE:06866), the current Return-on-Tangible-Equity is 0.00% 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 Zuoli Kechuang Micro-finance Co (HKSE:06866) Overvalued in 2026?
Based on GuruFocus' analysis, Zuoli Kechuang Micro-finance Co stock appears to be overvalued.
The current stock price of HK$0.28 is trading 16.7% above its estimated GF Value™ of HK$0.24.
GuruFocus considers Zuoli Kechuang Micro-finance Co to be Modestly Overvalued.
Key valuation signals for HKSE:06866:
Return-on-Tangible-Equity: 0.00%
GF Value™: HK$0.24 vs. price of HK$0.28 (16.7% above fair value)
No single metric tells the full story. See the HKSE:06866 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Zuoli Kechuang Micro-finance Co Ltd is engaged in providing unsecured loans, guaranteed loans, collateralized loans, pledged loans, agriculture loans, individual business loans, other individual loans and loans for agricultural businesses, customers engaged in rural development activities, and/or customers residing in rural areas, SMEs and microenterprises in various industries, as well as online retailers in the businesses of lifestyle products, agricultural products, cultural supplies, and industrial products. The company generates revenue in the form of interest.
34GF Score
Get the complete analysis for HKSE:06866
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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