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HFCB GroupNAI:HFCK +2.13%30 Return-on-Tangible-Equity is 10.82% as of Mar. 2026, which is 377% above its 10-year median of 2.27. GuruFocus rates NAI:HFCK with a GF Score™ of 30/100 and a GF Value™ of KES2.17 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,522 Banks companies, HFCB Group ranks worse than 61.76% 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. HFCB Group's annualized net income for the quarter that ended in Mar. 2026 was KES1,902 Mil. HFCB Group's average shareholder tangible equity for the quarter that ended in Mar. 2026 was KES17,584 Mil. Therefore, HFCB Group's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 10.82%.
The historical rank and industry rank for HFCB Group's Return-on-Tangible-Equity or its related term are showing as below:
NAI:HFCK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -19.86 Med: 2.27 Max: 9.3
Current: 9.3
During the past 13 years, HFCB Group's highest Return-on-Tangible-Equity was 9.30%. The lowest was -19.86%. And the median was 2.27%.
NAI:HFCK's Return-on-Tangible-Equity is ranked worse than 61.76% of 1522
companies
in the Banks industry
Industry Median: 11.315
vs NAI:HFCK: 9.30
HFCB Group (NAI:HFCK) 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.
HFCB Group Return-on-Tangible-Equity Related Terms
HFCB Group Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for HFCB 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.
NAI:HFCK vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, HFCB 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.
HFCB Group Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, HFCB Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where HFCB 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 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 10.82% mean?
HFCB Group (NAI:HFCK) has a Return-on-Tangible-Equity of 10.82% 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 HFCB Group and its competitors. This is 377% above median its historical median of 2.27. According to the industry distribution chart, HFCB Group ranks #940 out of 1522 companies in the Banks industry, placing it in the top 61.8%.
Is HFCB Group's Return-on-Tangible-Equity too high?
HFCB Group's current Return-on-Tangible-Equity of 10.82% is 377% above median its 10-year median of 2.27. The Banks industry median Return-on-Tangible-Equity is 11.32. HFCB Group's value of 10.82% is 4.4% below this industry median. Based on the distribution chart, HFCB Group ranks #940 out of 1522 companies in the Banks industry, which is below the industry midpoint. Overall, HFCB Group has a GF Score™ of 30/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does HFCB Group's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, HFCB Group ranks #940 out of 1522 companies for Return-on-Tangible-Equity. This places HFCB Group in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.32. HFCB Group's value of 10.82% is 4.4% below this benchmark. While the company's 10-year median is 2.27 vs. the industry median of 11.32, HFCB 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 11.32, based on 1,522 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. HFCB Group's current Return-on-Tangible-Equity of 10.82% is 4.4% 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 HFCB Group and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HFCB Group's current Return-on-Tangible-Equity is 10.82%, which is 377% above median its own 10-year median of 2.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HFCB Group stock overvalued right now?
Based on GuruFocus' analysis, HFCB Group (NAI:HFCK) is currently considered Significantly Overvalued. The stock's GF Value™ is KES2.17, compared to a current price of KES12.00 — trading 453% above its estimated fair value. The current Return-on-Tangible-Equity is 10.82%, which is 377% above median its 10-year median of 2.27 and 4.4% below the Banks industry median of 11.32. HFCB Group's overall GF Score™ is 30/100 with 3 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 HFCB Group (NAI:HFCK), the current Return-on-Tangible-Equity is 10.82% 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 HFCB Group (NAI:HFCK) Overvalued in 2026?
Based on GuruFocus' analysis, HFCB Group stock appears to be overvalued.
The current stock price of KES12.00 is trading 453% above its estimated GF Value™ of KES2.17.
GuruFocus considers HFCB Group to be Significantly Overvalued.
Key valuation signals for NAI:HFCK:
Return-on-Tangible-Equity: 10.82% (377% above median its 10-year median of 2.27)
GF Value™: KES2.17 vs. price of KES12.00 (453% above fair value)
Industry Position: 4.4% below the Banks median (#940 of 1522)
No single metric tells the full story. See the NAI:HFCK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HFCB Group PLC is an integrated financial and Property solutions provider. It has diversified from being a mortgage financier to a provider of integrated financial solutions with interests in banking, property, and insurance. Its services are Save & Invest, Borrow, Insure, Move Money & Trade, and Own a Home.
30GF Score
Get the complete analysis for NAI:HFCK
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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