Capricorn GroupNAM:CGP +0.04%64 Return-on-Tangible-Equity is 16.52% as of Dec. 2025, which is 11% below its 10-year median of 18.59. GuruFocus rates NAM:CGP with a GF Score™ of 64/100 and a GF Value™ of R24.03 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,523 Banks companies, Capricorn Group ranks better than 81.94% 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. Capricorn Group's annualized net income for the quarter that ended in Dec. 2025 was R1,712 Mil. Capricorn Group's average shareholder tangible equity for the quarter that ended in Dec. 2025 was R10,361 Mil. Therefore, Capricorn Group's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 16.52%.
The historical rank and industry rank for Capricorn Group's Return-on-Tangible-Equity or its related term are showing as below:
NAM:CGP'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 13.17 Med: 18.59 Max: 27.39
Current: 16.91
During the past 13 years, Capricorn Group's highest Return-on-Tangible-Equity was 27.39%. The lowest was 13.17%. And the median was 18.59%.
NAM:CGP's Return-on-Tangible-Equity is ranked better than 81.94% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs NAM:CGP: 16.91
Capricorn Group (NAM:CGP) 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.
Capricorn Group Return-on-Tangible-Equity Related Terms
Capricorn Group Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Capricorn 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.
NAM:CGP vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Capricorn 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.
Capricorn Group Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Capricorn Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Capricorn 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 16.52% mean?
Capricorn Group (NAM:CGP) has a Return-on-Tangible-Equity of 16.52% 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 Capricorn Group and its competitors. This is 11% below median its historical median of 18.59. Over the past decade, Capricorn Group's Return-on-Tangible-Equity has ranged from 13.17 to 27.39. According to the industry distribution chart, Capricorn Group ranks #275 out of 1523 companies in the Banks industry, placing it in the top 18.1%.
Is Capricorn Group's Return-on-Tangible-Equity too high?
Capricorn Group's current Return-on-Tangible-Equity of 16.52% is 11% below median its 10-year median of 18.59. Over the past 10 years, this metric has ranged from a low of 13.17 to a high of 27.39. The Banks industry median Return-on-Tangible-Equity is 11.20. Capricorn Group's value of 16.52% is 47.5% above this industry median. Based on the distribution chart, Capricorn Group ranks #275 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Capricorn Group has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capricorn Group's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Capricorn Group ranks #275 out of 1523 companies for Return-on-Tangible-Equity. This places Capricorn Group in the top 18% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. Capricorn Group's value of 16.52% is 47.5% above this benchmark. Historically, Capricorn Group's own Return-on-Tangible-Equity has ranged from 13.17 to 27.39 over the past decade. While the company's 10-year median is 18.59 vs. the industry median of 11.20, Capricorn Group 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 a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 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. Capricorn Group's current Return-on-Tangible-Equity of 16.52% is 47.5% 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 Capricorn Group and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capricorn Group's current Return-on-Tangible-Equity is 16.52%, which is 11% below median its own 10-year median of 18.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capricorn Group stock overvalued right now?
Based on GuruFocus' analysis, Capricorn Group (NAM:CGP) is currently considered Modestly Overvalued. The stock's GF Value™ is R24.03, compared to a current price of R28.15 — trading 17.1% above its estimated fair value. The current Return-on-Tangible-Equity is 16.52%, which is 11% below median its 10-year median of 18.59 and 47.5% above the Banks industry median of 11.20. Capricorn Group's overall GF Score™ is 64/100 with 4 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 Capricorn Group (NAM:CGP), the current Return-on-Tangible-Equity is 16.52% 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 Capricorn Group (NAM:CGP) Overvalued in 2026?
Based on GuruFocus' analysis, Capricorn Group stock appears to be overvalued.
The current stock price of R28.15 is trading 17.1% above its estimated GF Value™ of R24.03.
GuruFocus considers Capricorn Group to be Modestly Overvalued.
Key valuation signals for NAM:CGP:
Return-on-Tangible-Equity: 16.52% (11% below median its 10-year median of 18.59)
GF Value™: R24.03 vs. price of R28.15 (17.1% above fair value)
Industry Position: 47.5% above the Banks median (#275 of 1523)
No single metric tells the full story. See the NAM:CGP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Capricorn Group Ltd is a Namibia-based financial services group. It operates as an investment holding company with interests in banking, insurance, asset management, and microlending. The banking operation is the company's two operating segments, which include banking activities in Namibia and Botswana, as well as term lending and related activities in Namibia. Other components include property development, asset management, and unit trust management. The majority of the company's revenue comes from its banking operations in Namibia.
64GF Score
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