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Soneri BankKAR:SNBL -6.73%70 Return-on-Tangible-Equity is 15.40% as of Mar. 2026, which is 42% above its 10-year median of 10.84. GuruFocus rates KAR:SNBL with a GF Score™ of 70/100 and a GF Value™ of ₨18.26 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,526 Banks companies, Soneri Bank ranks better than 71.89% 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. Soneri Bank's annualized net income for the quarter that ended in Mar. 2026 was ₨5,356 Mil. Soneri Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₨34,774 Mil. Therefore, Soneri Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 15.40%.
The historical rank and industry rank for Soneri Bank's Return-on-Tangible-Equity or its related term are showing as below:
KAR:SNBL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.96 Med: 10.84 Max: 24.68
Current: 14.49
During the past 13 years, Soneri Bank's highest Return-on-Tangible-Equity was 24.68%. The lowest was 8.96%. And the median was 10.84%.
KAR:SNBL's Return-on-Tangible-Equity is ranked better than 71.89% of 1526
companies
in the Banks industry
Industry Median: 11.205
vs KAR:SNBL: 14.49
Soneri Bank (KAR:SNBL) 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.
Soneri Bank Return-on-Tangible-Equity Related Terms
Soneri Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Soneri 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.
KAR:SNBL vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Soneri 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.
Soneri Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Soneri Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Soneri 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 15.40% mean?
Soneri Bank (KAR:SNBL) has a Return-on-Tangible-Equity of 15.40% 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 Soneri Bank and its competitors. This is 42% above median its historical median of 10.84. Over the past decade, Soneri Bank's Return-on-Tangible-Equity has ranged from 8.96 to 24.68. According to the industry distribution chart, Soneri Bank ranks #429 out of 1526 companies in the Banks industry, placing it in the top 28.1%.
Is Soneri Bank's Return-on-Tangible-Equity too high?
Soneri Bank's current Return-on-Tangible-Equity of 15.40% is 42% above median its 10-year median of 10.84. Over the past 10 years, this metric has ranged from a low of 8.96 to a high of 24.68. The Banks industry median Return-on-Tangible-Equity is 11.21. Soneri Bank's value of 15.40% is 37.4% above this industry median. Based on the distribution chart, Soneri Bank ranks #429 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Soneri Bank has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Soneri Bank's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Soneri Bank ranks #429 out of 1526 companies for Return-on-Tangible-Equity. This puts Soneri Bank in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.21. Soneri Bank's value of 15.40% is 37.4% above this benchmark. Historically, Soneri Bank's own Return-on-Tangible-Equity has ranged from 8.96 to 24.68 over the past decade. While the company's 10-year median is 10.84 vs. the industry median of 11.21, Soneri Bank 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 a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,526 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. Soneri Bank's current Return-on-Tangible-Equity of 15.40% is 37.4% 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 Soneri Bank 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. Soneri Bank's current Return-on-Tangible-Equity is 15.40%, which is 42% above median its own 10-year median of 10.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Soneri Bank stock overvalued right now?
Based on GuruFocus' analysis, Soneri Bank (KAR:SNBL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨18.26, compared to a current price of ₨23.85 — trading 30.6% above its estimated fair value. The current Return-on-Tangible-Equity is 15.40%, which is 42% above median its 10-year median of 10.84 and 37.4% above the Banks industry median of 11.21. Soneri Bank's overall GF Score™ is 70/100 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 Soneri Bank (KAR:SNBL), the current Return-on-Tangible-Equity is 15.40% 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 Soneri Bank (KAR:SNBL) Overvalued in 2026?
Based on GuruFocus' analysis, Soneri Bank stock appears to be overvalued.
The current stock price of ₨23.85 is trading 30.6% above its estimated GF Value™ of ₨18.26.
GuruFocus considers Soneri Bank to be Significantly Overvalued.
Key valuation signals for KAR:SNBL:
Return-on-Tangible-Equity: 15.40% (42% above median its 10-year median of 10.84)
GF Value™: ₨18.26 vs. price of ₨23.85 (30.6% above fair value)
Industry Position: 37.4% above the Banks median (#429 of 1526)
No single metric tells the full story. See the KAR:SNBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Soneri Bank Ltd provides banking services. It is involved in the activities of Retail Banking; Corporate and Investment Banking; Islamic Banking and Foreign Exchange Services. It offers fixed income, equity, foreign exchanges, lending, and repo services. It also offers financing, deposits, and services to corporate customers including services about mergers and acquisition and IPOs. The business segments of the bank are Corporate finance, Islamic, Trading and sales, Retail Banking and others.
70GF Score
Get the complete analysis for KAR:SNBL
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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