Jahangir SiddiquiKAR:JSCL 73 Return-on-Tangible-Equity is 5.22% as of Mar. 2026, which is 4% above its 10-year median of 5.02. GuruFocus rates KAR:JSCL with a GF Score™ of 73/100 and a GF Value™ of ₨19.19 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,525 Banks companies, Jahangir Siddiqui ranks worse than 51.41% 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. Jahangir Siddiqui's annualized net income for the quarter that ended in Mar. 2026 was ₨2,613 Mil. Jahangir Siddiqui's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₨50,044 Mil. Therefore, Jahangir Siddiqui's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 5.22%.
The historical rank and industry rank for Jahangir Siddiqui's Return-on-Tangible-Equity or its related term are showing as below:
KAR:JSCL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 0.37 Med: 5.02 Max: 23.3
Current: 11.01
During the past 13 years, Jahangir Siddiqui's highest Return-on-Tangible-Equity was 23.30%. The lowest was 0.37%. And the median was 5.02%.
KAR:JSCL's Return-on-Tangible-Equity is ranked worse than 51.41% of 1525
companies
in the Banks industry
Industry Median: 11.21
vs KAR:JSCL: 11.01
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.
Jahangir Siddiqui Return-on-Tangible-Equity Related Terms
Jahangir Siddiqui Return-on-Tangible-Equity Historical Data
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The historical data trend for Jahangir Siddiqui'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.
KAR:JSCL vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Jahangir Siddiqui'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.
Jahangir Siddiqui Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Jahangir Siddiqui's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Jahangir Siddiqui'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 5.22% mean?
Jahangir Siddiqui (KAR:JSCL) has a Return-on-Tangible-Equity of 5.22% 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 Jahangir Siddiqui and its competitors. This is near median its historical median of 5.02. Over the past decade, Jahangir Siddiqui's Return-on-Tangible-Equity has ranged from 0.37 to 23.30. According to the industry distribution chart, Jahangir Siddiqui ranks #784 out of 1525 companies in the Banks industry, placing it in the top 51.4%.
Is Jahangir Siddiqui's Return-on-Tangible-Equity too high?
Jahangir Siddiqui's current Return-on-Tangible-Equity of 5.22% is near median its 10-year median of 5.02. Over the past 10 years, this metric has ranged from a low of 0.37 to a high of 23.30. The Banks industry median Return-on-Tangible-Equity is 11.21. Jahangir Siddiqui's value of 5.22% is 53.4% below this industry median. Based on the distribution chart, Jahangir Siddiqui ranks #784 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, Jahangir Siddiqui has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jahangir Siddiqui's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Jahangir Siddiqui ranks #784 out of 1525 companies for Return-on-Tangible-Equity. This places Jahangir Siddiqui in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.21. Jahangir Siddiqui's value of 5.22% is 53.4% below this benchmark. Historically, Jahangir Siddiqui's own Return-on-Tangible-Equity has ranged from 0.37 to 23.30 over the past decade. While the company's 10-year median is 5.02 vs. the industry median of 11.21, Jahangir Siddiqui 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 11.21, 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. Jahangir Siddiqui's current Return-on-Tangible-Equity of 5.22% is 53.4% 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 Jahangir Siddiqui and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jahangir Siddiqui's current Return-on-Tangible-Equity is 5.22%, which is near median its own 10-year median of 5.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jahangir Siddiqui stock overvalued right now?
Based on GuruFocus' analysis, Jahangir Siddiqui (KAR:JSCL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨19.19, compared to a current price of ₨21.92 — trading 14.2% above its estimated fair value. The current Return-on-Tangible-Equity is 5.22%, which is near median its 10-year median of 5.02 and 53.4% below the Banks industry median of 11.21. Jahangir Siddiqui's overall GF Score™ is 73/100 with 4 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 Jahangir Siddiqui (KAR:JSCL), the current Return-on-Tangible-Equity is 5.22% 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 Jahangir Siddiqui (KAR:JSCL) Overvalued in 2026?
Based on GuruFocus' analysis, Jahangir Siddiqui stock appears to be overvalued.
The current stock price of ₨21.92 is trading 14.2% above its estimated GF Value™ of ₨19.19.
GuruFocus considers Jahangir Siddiqui to be Modestly Overvalued.
Key valuation signals for KAR:JSCL:
Return-on-Tangible-Equity: 5.22% (near median its 10-year median of 5.02)
GF Value™: ₨19.19 vs. price of ₨21.92 (14.2% above fair value)
Industry Position: 53.4% below the Banks median (#784 of 1525)
No single metric tells the full story. See the KAR:JSCL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jahangir Siddiqui & Co Ltd offers banking services. The company operates through a various business segment that is Capital Market and Brokerage, which is engaged in trading equity securities, maintaining strategic and trading portfolios and earning share brokerage and money market, forex and commodity brokerage; Banking, which provides investment and commercial banking; Investment Advisor/assets manager, which provides investment advisory and asset management services to different mutual funds and unit trusts; Energy Infrastructure and petroleum segment engaged into investment in the oil marketing sector and storage of petroleum, Liquified Petroleum gas and allied products; and Others. The Banking segment generates maximum revenue for the company.
73GF Score
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