Shawbrook GroupLSE:SHAA 42 Return-on-Tangible-Equity is 9.34% as of Dec. 2025, which is 43% below its 10-year median of 16.35. GuruFocus rates LSE:SHAA with a GF Score™ of 42/100. The stock has 2 warning signs investors should review. Among 1,521 Banks companies, Shawbrook Group ranks better than 57.4% 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. Shawbrook Group's annualized net income for the quarter that ended in Dec. 2025 was £152.00 Mil. Shawbrook Group's average shareholder tangible equity for the quarter that ended in Dec. 2025 was £1,627.25 Mil. Therefore, Shawbrook Group's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 9.34%.
The historical rank and industry rank for Shawbrook Group's Return-on-Tangible-Equity or its related term are showing as below:
LSE:SHAA'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -8.13 Med: 16.35 Max: 24.42
Current: 12.44
During the past 9 years, Shawbrook Group's highest Return-on-Tangible-Equity was 24.42%. The lowest was -8.13%. And the median was 16.35%.
LSE:SHAA's Return-on-Tangible-Equity is ranked better than 57.4% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs LSE:SHAA: 12.44
Shawbrook Group (LSE:SHAA) 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.
Shawbrook Group Return-on-Tangible-Equity Related Terms
Shawbrook Group Return-on-Tangible-Equity Historical Data
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The historical data trend for Shawbrook Group'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.
Shawbrook Group Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Shawbrook Group'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.
Shawbrook Group Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Shawbrook Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Shawbrook Group'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 two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 9.34% mean?
Shawbrook Group (LSE:SHAA) has a Return-on-Tangible-Equity of 9.34% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Shawbrook Group and its competitors. This is 43% below median its historical median of 16.35. According to the industry distribution chart, Shawbrook Group ranks #648 out of 1521 companies in the Banks industry, placing it in the top 42.6%.
Is Shawbrook Group's Return-on-Tangible-Equity too high?
Shawbrook Group's current Return-on-Tangible-Equity of 9.34% is 43% below median its 10-year median of 16.35. The Banks industry median Return-on-Tangible-Equity is 11.19. Shawbrook Group's value of 9.34% is 16.5% below this industry median. Based on the distribution chart, Shawbrook Group ranks #648 out of 1521 companies in the Banks industry, which is above the industry midpoint. Overall, Shawbrook Group has a GF Score™ of 42/100, reflecting its overall financial health beyond just this single metric.
How does Shawbrook Group's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Shawbrook Group ranks #648 out of 1521 companies for Return-on-Tangible-Equity. This puts Shawbrook Group in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Shawbrook Group's value of 9.34% is 16.5% below this benchmark. While the company's 10-year median is 16.35 vs. the industry median of 11.19, Shawbrook Group 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 1,521 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. Shawbrook Group's current Return-on-Tangible-Equity of 9.34% is 16.5% 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 Shawbrook Group 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. Shawbrook Group's current Return-on-Tangible-Equity is 9.34%, which is 43% below median its own 10-year median of 16.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shawbrook Group stock overvalued right now?
Shawbrook Group (LSE:SHAA) has a current Return-on-Tangible-Equity of 9.34%. The current Return-on-Tangible-Equity is 9.34%, which is 43% below median its 10-year median of 16.35 and 16.5% below the Banks industry median of 11.19. Shawbrook Group's overall GF Score™ is 42/100 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 Shawbrook Group (LSE:SHAA), the current Return-on-Tangible-Equity is 9.34% as of Dec. 2025. 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.
Shawbrook Group PLC is a specialist savings and lending bank operating in the United Kingdom. It focuses mostly on poorly served customer segments across the small to medium-size enterprise and retail market of the island nation. Shawbrook's primary markets include property, business, and consumer finance. The company has grown since its founding through mostly acquisitions. Net operating income mostly derives from asset finance, commercial mortgages, and secured lending. Shawbrook emphasizes customer service, and reputation. The company operates in four segments Real Estate, SME, Consumer Finance and Retail Mortgage Brands.
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