Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Pena VerdeBMEX:PV 65 Return-on-Tangible-Equity is 14.41% as of Mar. 2026, which is 112% above its 10-year median of 6.80. GuruFocus rates MEX:PV with a GF Score™ of 65/100 and a GF Value™ of MXN9.30 (Fairly Valued). The stock has 2 warning signs investors should review. Among 496 Insurance companies, Pena VerdeB ranks better than 73.59% 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. Pena VerdeB's annualized net income for the quarter that ended in Mar. 2026 was MXN996 Mil. Pena VerdeB's average shareholder tangible equity for the quarter that ended in Mar. 2026 was MXN6,914 Mil. Therefore, Pena VerdeB's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 14.41%.
The historical rank and industry rank for Pena VerdeB's Return-on-Tangible-Equity or its related term are showing as below:
MEX:PV'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -16.92 Med: 6.8 Max: 28.26
Current: 23.34
During the past 13 years, Pena VerdeB's highest Return-on-Tangible-Equity was 28.26%. The lowest was -16.92%. And the median was 6.80%.
MEX:PV's Return-on-Tangible-Equity is ranked better than 73.59% of 496
companies
in the Insurance industry
Industry Median: 13.535
vs MEX:PV: 23.34
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.
Pena VerdeB Return-on-Tangible-Equity Related Terms
Pena VerdeB Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Pena VerdeB'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.
MEX:PV vs BRK.A, AIG, HIG: Return-on-Tangible-Equity Comparison
For the Insurance - Diversified subindustry, Pena VerdeB'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.
Pena VerdeB Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Pena VerdeB's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Pena VerdeB'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 14.41% mean?
Pena VerdeB (MEX:PV) has a Return-on-Tangible-Equity of 14.41% 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 Pena VerdeB and its competitors. This is 112% above median its historical median of 6.80. According to the industry distribution chart, Pena VerdeB ranks #131 out of 496 companies in the Insurance industry, placing it in the top 26.4%.
Is Pena VerdeB's Return-on-Tangible-Equity too high?
Pena VerdeB's current Return-on-Tangible-Equity of 14.41% is 112% above median its 10-year median of 6.80. The Insurance industry median Return-on-Tangible-Equity is 13.54. Pena VerdeB's value of 14.41% is 6.5% above this industry median. Based on the distribution chart, Pena VerdeB ranks #131 out of 496 companies in the Insurance industry, which is above the industry midpoint. Overall, Pena VerdeB has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pena VerdeB's Return-on-Tangible-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Pena VerdeB ranks #131 out of 496 companies for Return-on-Tangible-Equity. This puts Pena VerdeB in the upper half of its industry. The industry median Return-on-Tangible-Equity is 13.54. Pena VerdeB's value of 14.41% is 6.5% above this benchmark. While the company's 10-year median is 6.80 vs. the industry median of 13.54, Pena VerdeB 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 an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.54, based on 496 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. Pena VerdeB's current Return-on-Tangible-Equity of 14.41% is 6.5% 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 Pena VerdeB and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pena VerdeB's current Return-on-Tangible-Equity is 14.41%, which is 112% above median its own 10-year median of 6.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pena VerdeB stock overvalued right now?
Based on GuruFocus' analysis, Pena VerdeB (MEX:PV) is currently considered Fairly Valued. The stock's GF Value™ is MXN9.30, compared to a current price of MXN8.50 — trading 8.6% below its estimated fair value. The current Return-on-Tangible-Equity is 14.41%, which is 112% above median its 10-year median of 6.80 and 6.5% above the Insurance industry median of 13.54. Pena VerdeB's overall GF Score™ is 65/100 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 Pena VerdeB (MEX:PV), the current Return-on-Tangible-Equity is 14.41% 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 Pena VerdeB (MEX:PV) Overvalued in 2026?
Based on GuruFocus' analysis, Pena VerdeB stock appears to be undervalued.
The current stock price of MXN8.50 is trading 8.6% below its estimated GF Value™ of MXN9.30.
GuruFocus considers Pena VerdeB to be Fairly Valued.
Key valuation signals for MEX:PV:
Return-on-Tangible-Equity: 14.41% (112% above median its 10-year median of 6.80)
GF Value™: MXN9.30 vs. price of MXN8.50 (8.6% below fair value)
Industry Position: 6.5% above the Insurance median (#131 of 496)
No single metric tells the full story. See the MEX:PV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pena Verde SAB offers insurance and reinsurance services. The company also offers direct life, health, casualty, third-party liability, agricultural, fire, automotive, aircraft and boats insurance & reinsurance policies.
65GF Score
Get the complete analysis for MEX:PV
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
MEX:PV has been successfully added to your 
