Finanza.tech SpAMIL:FTC +0.99%34 Return-on-Tangible-Equity is -25.04% as of Dec. 2025. GuruFocus rates MIL:FTC with a GF Score™ of 34/100 and a GF Value™ of €0.26 (Modestly Undervalued). The stock has 8 warning signs investors should review. Among 1,009 Business Services companies, Finanza.tech SpA ranks worse than 96.13% 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. Finanza.tech SpA's annualized net income for the quarter that ended in Dec. 2025 was €-0.63 Mil. Finanza.tech SpA's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €2.52 Mil. Therefore, Finanza.tech SpA's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was -25.04%.
The historical rank and industry rank for Finanza.tech SpA's Return-on-Tangible-Equity or its related term are showing as below:
MIL:FTC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -65.52 Med: 18.66 Max: 107.17
Current: -65.52
During the past 7 years, Finanza.tech SpA's highest Return-on-Tangible-Equity was 107.17%. The lowest was -65.52%. And the median was 18.66%.
MIL:FTC's Return-on-Tangible-Equity is ranked worse than 96.13% of 1009
companies
in the Business Services industry
Industry Median: 10.56
vs MIL:FTC: -65.52
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.
Finanza.tech SpA Return-on-Tangible-Equity Related Terms
Finanza.tech SpA Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Finanza.tech SpA'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.
MIL:FTC vs VRSK, EFX, BAH: Return-on-Tangible-Equity Comparison
For the Consulting Services subindustry, Finanza.tech SpA'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.
Finanza.tech SpA Return-on-Tangible-Equity vs Business Services Industry
For the Business Services industry and Industrials sector, Finanza.tech SpA's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Finanza.tech SpA'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 -25.04% mean?
Finanza.tech SpA (MIL:FTC) has a Return-on-Tangible-Equity of -25.04% 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 Finanza.tech SpA and its competitors. According to the industry distribution chart, Finanza.tech SpA ranks #970 out of 1009 companies in the Business Services industry, placing it in the top 96.1%.
Is Finanza.tech SpA's Return-on-Tangible-Equity too high?
Finanza.tech SpA's current Return-on-Tangible-Equity is -25.04%. Based on the distribution chart, Finanza.tech SpA ranks #970 out of 1009 companies in the Business Services industry, which is in the bottom quartile relative to peers. Overall, Finanza.tech SpA has a GF Score™ of 34/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Finanza.tech SpA's Return-on-Tangible-Equity compare to VRSK and EFX?
According to the Business Services industry distribution chart, Finanza.tech SpA ranks #970 out of 1009 companies for Return-on-Tangible-Equity. This places Finanza.tech SpA in the lower half of its industry. The industry median Return-on-Tangible-Equity is 10.56. 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 Business Services company?
The median Return-on-Tangible-Equity among Business Services companies is 10.56, based on 1,009 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 Finanza.tech SpA and its competitors. For the Business Services industry, the median Return-on-Tangible-Equity is 10.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finanza.tech SpA's current Return-on-Tangible-Equity is -25.04%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finanza.tech SpA stock overvalued right now?
Based on GuruFocus' analysis, Finanza.tech SpA (MIL:FTC) is currently considered Modestly Undervalued. The stock's GF Value™ is €0.26, compared to a current price of €0.20 — trading 21.5% below its estimated fair value. The current Return-on-Tangible-Equity is -25.04%. Finanza.tech SpA's overall GF Score™ is 34/100 with 8 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 Finanza.tech SpA (MIL:FTC), the current Return-on-Tangible-Equity is -25.04% 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.
Is Finanza.tech SpA (MIL:FTC) Overvalued in 2026?
Based on GuruFocus' analysis, Finanza.tech SpA stock appears to be undervalued.
The current stock price of €0.20 is trading 21.5% below its estimated GF Value™ of €0.26.
GuruFocus considers Finanza.tech SpA to be Modestly Undervalued.
Key valuation signals for MIL:FTC:
Return-on-Tangible-Equity: -25.04%
GF Value™: €0.26 vs. price of €0.20 (21.5% below fair value)
No single metric tells the full story. See the MIL:FTC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Finanza.tech SpA is a fintech operator. It provides consultancy activities in extraordinary finance operations and support for ordinary corporate financial management.
34GF Score
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