Agesa Hayat Ve Emeklilik ASIST:AGESA -0.73%57 Return-on-Tangible-Equity is 87.81% as of Mar. 2026, which is 56% above its 10-year median of 56.38. GuruFocus rates IST:AGESA with a GF Score™ of 57/100 and a GF Value™ of ₺320.95 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 499 Insurance companies, Agesa Hayat Ve Emeklilik AS ranks better than 94.19% 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. Agesa Hayat Ve Emeklilik AS's annualized net income for the quarter that ended in Mar. 2026 was ₺7,034 Mil. Agesa Hayat Ve Emeklilik AS's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₺8,010 Mil. Therefore, Agesa Hayat Ve Emeklilik AS's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 87.81%.
The historical rank and industry rank for Agesa Hayat Ve Emeklilik AS's Return-on-Tangible-Equity or its related term are showing as below:
IST:AGESA'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 27.99 Med: 56.38 Max: 95.19
Current: 95.19
During the past 13 years, Agesa Hayat Ve Emeklilik AS's highest Return-on-Tangible-Equity was 95.19%. The lowest was 27.99%. And the median was 56.38%.
IST:AGESA's Return-on-Tangible-Equity is ranked better than 94.19% of 499
companies
in the Insurance industry
Industry Median: 13.52
vs IST:AGESA: 95.19
Agesa Hayat Ve Emeklilik AS (IST:AGESA) 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.
Agesa Hayat Ve Emeklilik AS Return-on-Tangible-Equity Related Terms
Agesa Hayat Ve Emeklilik AS 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.
Agesa Hayat Ve Emeklilik AS Return-on-Tangible-Equity Chart
IST:AGESA vs BRK.A, AIG, HIG: Return-on-Tangible-Equity Comparison
For the Insurance - Diversified subindustry, Agesa Hayat Ve Emeklilik AS'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.
Agesa Hayat Ve Emeklilik AS Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Agesa Hayat Ve Emeklilik AS's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Agesa Hayat Ve Emeklilik AS'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 87.81% mean?
Agesa Hayat Ve Emeklilik AS (IST:AGESA) has a Return-on-Tangible-Equity of 87.81% 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 Agesa Hayat Ve Emeklilik AS and its competitors. This is 56% above median its historical median of 56.38. Over the past decade, Agesa Hayat Ve Emeklilik AS's Return-on-Tangible-Equity has ranged from 27.99 to 95.19. According to the industry distribution chart, Agesa Hayat Ve Emeklilik AS ranks #29 out of 499 companies in the Insurance industry, placing it in the top 5.8%.
Is Agesa Hayat Ve Emeklilik AS's Return-on-Tangible-Equity too high?
Agesa Hayat Ve Emeklilik AS's current Return-on-Tangible-Equity of 87.81% is 56% above median its 10-year median of 56.38. Over the past 10 years, this metric has ranged from a low of 27.99 to a high of 95.19. The Insurance industry median Return-on-Tangible-Equity is 13.52. Agesa Hayat Ve Emeklilik AS's value of 87.81% is 549.5% above this industry median. Based on the distribution chart, Agesa Hayat Ve Emeklilik AS ranks #29 out of 499 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Agesa Hayat Ve Emeklilik AS has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Agesa Hayat Ve Emeklilik AS's Return-on-Tangible-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Agesa Hayat Ve Emeklilik AS ranks #29 out of 499 companies for Return-on-Tangible-Equity. This places Agesa Hayat Ve Emeklilik AS in the top 6% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 13.52. Agesa Hayat Ve Emeklilik AS's value of 87.81% is 549.5% above this benchmark. Historically, Agesa Hayat Ve Emeklilik AS's own Return-on-Tangible-Equity has ranged from 27.99 to 95.19 over the past decade. While the company's 10-year median is 56.38 vs. the industry median of 13.52, Agesa Hayat Ve Emeklilik AS 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 an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.52, based on 499 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. Agesa Hayat Ve Emeklilik AS's current Return-on-Tangible-Equity of 87.81% is 549.5% 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 Agesa Hayat Ve Emeklilik AS and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Agesa Hayat Ve Emeklilik AS's current Return-on-Tangible-Equity is 87.81%, which is 56% above median its own 10-year median of 56.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agesa Hayat Ve Emeklilik AS stock overvalued right now?
Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS (IST:AGESA) is currently considered Modestly Undervalued. The stock's GF Value™ is ₺320.95, compared to a current price of ₺245.20 — trading 23.6% below its estimated fair value. The current Return-on-Tangible-Equity is 87.81%, which is 56% above median its 10-year median of 56.38 and 549.5% above the Insurance industry median of 13.52. Agesa Hayat Ve Emeklilik AS's overall GF Score™ is 57/100 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 Agesa Hayat Ve Emeklilik AS (IST:AGESA), the current Return-on-Tangible-Equity is 87.81% 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 Agesa Hayat Ve Emeklilik AS (IST:AGESA) Overvalued in 2026?
Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS stock appears to be undervalued.
The current stock price of ₺245.20 is trading 23.6% below its estimated GF Value™ of ₺320.95.
GuruFocus considers Agesa Hayat Ve Emeklilik AS to be Modestly Undervalued.
Key valuation signals for IST:AGESA:
Return-on-Tangible-Equity: 87.81% (56% above median its 10-year median of 56.38)
GF Value™: ₺320.95 vs. price of ₺245.20 (23.6% below fair value)
Industry Position: 549.5% above the Insurance median (#29 of 499)
No single metric tells the full story. See the IST:AGESA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Agesa Hayat Ve Emeklilik AS is a diversified insurance company that provides private pension and life insurance services to customers in Turkey. The company operates various distribution channels including direct advisor sales, sales from the bank branch representatives, agents, and telemarketing. AvivaSA reports through four segments, including Pension, Life Protection, Life Savings, and Personal Accident. The company generates key revenue through its Life Protection segment.
57GF Score
Get the complete analysis for IST:AGESA
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