KBC Groupe NVKBCSY -0.39%72 Return-on-Tangible-Equity is 8.79% as of Mar. 2026, which is 40% below its 10-year median of 14.75. GuruFocus rates KBCSY with a GF Score™ of 72/100 and a GF Value™ of $47.80 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,523 Banks companies, KBC Groupe NV ranks better than 73.28% 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. KBC Groupe NV's annualized net income for the quarter that ended in Mar. 2026 was $2,576 Mil. KBC Groupe NV's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $29,302 Mil. Therefore, KBC Groupe NV's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 8.79%.
The historical rank and industry rank for KBC Groupe NV's Return-on-Tangible-Equity or its related term are showing as below:
KBCSY'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.43 Med: 14.75 Max: 16.44
Current: 14.79
During the past 13 years, KBC Groupe NV's highest Return-on-Tangible-Equity was 16.44%. The lowest was 7.43%. And the median was 14.75%.
KBCSY's Return-on-Tangible-Equity is ranked better than 73.28% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs KBCSY: 14.79
KBC Groupe NV (OTCPK:KBCSY) 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.
KBC Groupe NV Return-on-Tangible-Equity Related Terms
KBC Groupe NV Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for KBC Groupe NV'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.
KBCSY vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, KBC Groupe NV'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.
KBC Groupe NV Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, KBC Groupe NV's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where KBC Groupe NV'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 8.79% mean?
KBC Groupe NV (KBCSY) has a Return-on-Tangible-Equity of 8.79% 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 KBC Groupe NV and its competitors. This is 40% below median its historical median of 14.75. Over the past decade, KBC Groupe NV's Return-on-Tangible-Equity has ranged from 7.43 to 16.44. According to the industry distribution chart, KBC Groupe NV ranks #407 out of 1523 companies in the Banks industry, placing it in the top 26.7%.
Is KBC Groupe NV's Return-on-Tangible-Equity too high?
KBC Groupe NV's current Return-on-Tangible-Equity of 8.79% is 40% below median its 10-year median of 14.75. Over the past 10 years, this metric has ranged from a low of 7.43 to a high of 16.44. The Banks industry median Return-on-Tangible-Equity is 11.19. KBC Groupe NV's value of 8.79% is 21.4% below this industry median. Based on the distribution chart, KBC Groupe NV ranks #407 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, KBC Groupe NV has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does KBC Groupe NV's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, KBC Groupe NV ranks #407 out of 1523 companies for Return-on-Tangible-Equity. This puts KBC Groupe NV in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.19. KBC Groupe NV's value of 8.79% is 21.4% below this benchmark. Historically, KBC Groupe NV's own Return-on-Tangible-Equity has ranged from 7.43 to 16.44 over the past decade. While the company's 10-year median is 14.75 vs. the industry median of 11.19, KBC Groupe NV 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 11.19, based on 1,523 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. KBC Groupe NV's current Return-on-Tangible-Equity of 8.79% is 21.4% 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 KBC Groupe NV and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. KBC Groupe NV's current Return-on-Tangible-Equity is 8.79%, which is 40% below median its own 10-year median of 14.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is KBC Groupe NV stock overvalued right now?
Based on GuruFocus' analysis, KBC Groupe NV (KBCSY) is currently considered Significantly Overvalued. The stock's GF Value™ is $47.80, compared to a current price of $69.13 — trading 44.6% above its estimated fair value. The current Return-on-Tangible-Equity is 8.79%, which is 40% below median its 10-year median of 14.75 and 21.4% below the Banks industry median of 11.19. KBC Groupe NV's overall GF Score™ is 72/100 with 6 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 KBC Groupe NV (KBCSY), the current Return-on-Tangible-Equity is 8.79% 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 KBC Groupe NV (KBCSY) Overvalued in 2026?
Based on GuruFocus' analysis, KBC Groupe NV stock appears to be overvalued.
The current stock price of $69.13 is trading 44.6% above its estimated GF Value™ of $47.80.
GuruFocus considers KBC Groupe NV to be Significantly Overvalued.
Key valuation signals for KBCSY:
Return-on-Tangible-Equity: 8.79% (40% below median its 10-year median of 14.75)
GF Value™: $47.80 vs. price of $69.13 (44.6% above fair value)
Industry Position: 21.4% below the Banks median (#407 of 1523)
No single metric tells the full story. See the KBCSY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
KBC was formed in 1998 by the merger of Belgian commercial bank Kredietbank, cooperative farmers bank CERA Bank, and cooperative insurer ABB Verzekering. KBC offers banking, insurance, and investment products. Belgium and the Czech Republic account for most of KBC's profits, while the bank has smaller operations in Hungary, Slovakia, and Bulgaria.
72GF Score
Get the complete analysis for KBCSY
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
KBCSY has been successfully added to your 
