LifeStar HoldingMAL:LSR -10.00%18 Return-on-Tangible-Equity is -30.65% as of Dec. 2025. GuruFocus rates MAL:LSR with a GF Score™ of 18/100. The stock has 2 warning signs investors should review. Among 502 Insurance companies, LifeStar Holding ranks worse than 97.21% 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. LifeStar Holding's annualized net income for the quarter that ended in Dec. 2025 was €-1.49 Mil. LifeStar Holding's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €4.85 Mil. Therefore, LifeStar Holding's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was -30.65%.
The historical rank and industry rank for LifeStar Holding's Return-on-Tangible-Equity or its related term are showing as below:
MAL:LSR'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -33.22 Med: -0.51 Max: 13.29
Current: -23.52
During the past 13 years, LifeStar Holding's highest Return-on-Tangible-Equity was 13.29%. The lowest was -33.22%. And the median was -0.51%.
MAL:LSR's Return-on-Tangible-Equity is ranked worse than 97.21% of 502
companies
in the Insurance industry
Industry Median: 13.515
vs MAL:LSR: -23.52
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.
LifeStar Holding Return-on-Tangible-Equity Related Terms
LifeStar Holding Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for LifeStar Holding'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.
MAL:LSR vs MRSH, AON, AJG: Return-on-Tangible-Equity Comparison
For the Insurance Brokers subindustry, LifeStar Holding'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.
LifeStar Holding Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, LifeStar Holding's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where LifeStar Holding'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 -30.65% mean?
LifeStar Holding (MAL:LSR) has a Return-on-Tangible-Equity of -30.65% 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 LifeStar Holding and its competitors. According to the industry distribution chart, LifeStar Holding ranks #488 out of 502 companies in the Insurance industry, placing it in the top 97.2%.
Is LifeStar Holding's Return-on-Tangible-Equity too high?
LifeStar Holding's current Return-on-Tangible-Equity is -30.65%. Based on the distribution chart, LifeStar Holding ranks #488 out of 502 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, LifeStar Holding has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does LifeStar Holding's Return-on-Tangible-Equity compare to MRSH and AON?
According to the Insurance industry distribution chart, LifeStar Holding ranks #488 out of 502 companies for Return-on-Tangible-Equity. This places LifeStar Holding in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.52. 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 an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.52, based on 502 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. 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 LifeStar Holding and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LifeStar Holding's current Return-on-Tangible-Equity is -30.65%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LifeStar Holding stock overvalued right now?
LifeStar Holding (MAL:LSR) has a current Return-on-Tangible-Equity of -30.65%. The current Return-on-Tangible-Equity is -30.65%. LifeStar Holding's overall GF Score™ is 18/100 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 LifeStar Holding (MAL:LSR), the current Return-on-Tangible-Equity is -30.65% 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.
LifeStar Holding PLC is a financial services company registered in Malta. The company operates in four segments namely Investment and advisory services, Business of insurance, Agency and brokerage Services, and Property Services. Geographically, the company operates in Malta.
18GF Score
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