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Security Investment BankKAR:SIBL 55 Return-on-Tangible-Equity is 2.09% as of Mar. 2026, which is 60% below its 10-year median of 5.18. GuruFocus rates KAR:SIBL with a GF Score™ of 55/100 and a GF Value™ of ₨6.21 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 526 Credit Services companies, Security Investment Bank ranks worse than 72.43% 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. Security Investment Bank's annualized net income for the quarter that ended in Mar. 2026 was ₨16.4 Mil. Security Investment Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₨783.0 Mil. Therefore, Security Investment Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 2.09%.
The historical rank and industry rank for Security Investment Bank's Return-on-Tangible-Equity or its related term are showing as below:
KAR:SIBL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -4.58 Med: 5.18 Max: 11.47
Current: 1.13
During the past 13 years, Security Investment Bank's highest Return-on-Tangible-Equity was 11.47%. The lowest was -4.58%. And the median was 5.18%.
KAR:SIBL's Return-on-Tangible-Equity is ranked worse than 72.43% of 526
companies
in the Credit Services industry
Industry Median: 6.975
vs KAR:SIBL: 1.13
Security Investment Bank (KAR:SIBL) 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.
Security Investment Bank Return-on-Tangible-Equity Related Terms
Security Investment Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Security Investment Bank'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.
Security Investment Bank Return-on-Tangible-Equity Chart
KAR:SIBL vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Security Investment Bank'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.
Security Investment Bank Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Security Investment Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Security Investment Bank'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 2.09% mean?
Security Investment Bank (KAR:SIBL) has a Return-on-Tangible-Equity of 2.09% 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 Security Investment Bank and its competitors. This is 60% below median its historical median of 5.18. According to the industry distribution chart, Security Investment Bank ranks #381 out of 526 companies in the Credit Services industry, placing it in the top 72.4%.
Is Security Investment Bank's Return-on-Tangible-Equity too high?
Security Investment Bank's current Return-on-Tangible-Equity of 2.09% is 60% below median its 10-year median of 5.18. The Credit Services industry median Return-on-Tangible-Equity is 6.98. Security Investment Bank's value of 2.09% is 70% below this industry median. Based on the distribution chart, Security Investment Bank ranks #381 out of 526 companies in the Credit Services industry, which is below the industry midpoint. Overall, Security Investment Bank has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Security Investment Bank's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Security Investment Bank ranks #381 out of 526 companies for Return-on-Tangible-Equity. This places Security Investment Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 6.98. Security Investment Bank's value of 2.09% is 70% below this benchmark. While the company's 10-year median is 5.18 vs. the industry median of 6.98, Security Investment Bank 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 6.98, 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. Security Investment Bank's current Return-on-Tangible-Equity of 2.09% is 70% 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 Security Investment Bank and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 6.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Investment Bank's current Return-on-Tangible-Equity is 2.09%, which is 60% below median its own 10-year median of 5.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Security Investment Bank stock overvalued right now?
Based on GuruFocus' analysis, Security Investment Bank (KAR:SIBL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨6.21, compared to a current price of ₨7.39 — trading 19% above its estimated fair value. The current Return-on-Tangible-Equity is 2.09%, which is 60% below median its 10-year median of 5.18 and 70% below the Credit Services industry median of 6.98. Security Investment Bank's overall GF Score™ is 55/100 with 3 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 Security Investment Bank (KAR:SIBL), the current Return-on-Tangible-Equity is 2.09% 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 Security Investment Bank (KAR:SIBL) Overvalued in 2026?
Based on GuruFocus' analysis, Security Investment Bank stock appears to be overvalued.
The current stock price of ₨7.39 is trading 19% above its estimated GF Value™ of ₨6.21.
GuruFocus considers Security Investment Bank to be Modestly Overvalued.
Key valuation signals for KAR:SIBL:
Return-on-Tangible-Equity: 2.09% (60% below median its 10-year median of 5.18)
GF Value™: ₨6.21 vs. price of ₨7.39 (19% above fair value)
Industry Position: 70% below the Credit Services median (#381 of 526)
No single metric tells the full story. See the KAR:SIBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Security Investment Bank Ltd Company is licensed to carry out the business of investment finance services as a Non-Banking Finance Company (NBFC). The operations of the Company in Pakistan only.
55GF Score
Get the complete analysis for KAR:SIBL
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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