Standard Bank GroupNAM:SNB +0.34%67 Return-on-Tangible-Equity is 18.96% as of Dec. 2025, which is 8% above its 10-year median of 17.49. GuruFocus rates NAM:SNB with a GF Score™ of 67/100 and a GF Value™ of R235.66 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,523 Banks companies, Standard Bank Group ranks better than 87.33% 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. Standard Bank Group's annualized net income for the quarter that ended in Dec. 2025 was R52,718 Mil. Standard Bank Group's average shareholder tangible equity for the quarter that ended in Dec. 2025 was R278,105 Mil. Therefore, Standard Bank Group's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 18.96%.
The historical rank and industry rank for Standard Bank Group's Return-on-Tangible-Equity or its related term are showing as below:
NAM:SNB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.96 Med: 17.49 Max: 19.54
Current: 18.75
During the past 13 years, Standard Bank Group's highest Return-on-Tangible-Equity was 19.54%. The lowest was 7.96%. And the median was 17.49%.
NAM:SNB's Return-on-Tangible-Equity is ranked better than 87.33% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs NAM:SNB: 18.75
Standard Bank Group (NAM:SNB) 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.
Standard Bank Group Return-on-Tangible-Equity Related Terms
Standard Bank Group Return-on-Tangible-Equity Historical Data
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The historical data trend for Standard Bank 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.
Standard Bank Group Return-on-Tangible-Equity Chart
NAM:SNB vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Standard Bank 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.
Standard Bank Group Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Standard Bank Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Standard Bank 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 18.96% mean?
Standard Bank Group (NAM:SNB) has a Return-on-Tangible-Equity of 18.96% 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 Standard Bank Group and its competitors. This is near median its historical median of 17.49. Over the past decade, Standard Bank Group's Return-on-Tangible-Equity has ranged from 7.96 to 19.54. According to the industry distribution chart, Standard Bank Group ranks #193 out of 1523 companies in the Banks industry, placing it in the top 12.7%.
Is Standard Bank Group's Return-on-Tangible-Equity too high?
Standard Bank Group's current Return-on-Tangible-Equity of 18.96% is near median its 10-year median of 17.49. Over the past 10 years, this metric has ranged from a low of 7.96 to a high of 19.54. The Banks industry median Return-on-Tangible-Equity is 11.19. Standard Bank Group's value of 18.96% is 69.4% above this industry median. Based on the distribution chart, Standard Bank Group ranks #193 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Standard Bank Group has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Bank Group's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Standard Bank Group ranks #193 out of 1523 companies for Return-on-Tangible-Equity. This places Standard Bank Group in the top 13% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. Standard Bank Group's value of 18.96% is 69.4% above this benchmark. Historically, Standard Bank Group's own Return-on-Tangible-Equity has ranged from 7.96 to 19.54 over the past decade. While the company's 10-year median is 17.49 vs. the industry median of 11.19, Standard Bank 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 11.19, 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. Standard Bank Group's current Return-on-Tangible-Equity of 18.96% is 69.4% 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 Standard Bank Group and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Bank Group's current Return-on-Tangible-Equity is 18.96%, which is near median its own 10-year median of 17.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Bank Group stock overvalued right now?
Based on GuruFocus' analysis, Standard Bank Group (NAM:SNB) is currently considered Significantly Overvalued. The stock's GF Value™ is R235.66, compared to a current price of R322.37 — trading 36.8% above its estimated fair value. The current Return-on-Tangible-Equity is 18.96%, which is near median its 10-year median of 17.49 and 69.4% above the Banks industry median of 11.19. Standard Bank Group's overall GF Score™ is 67/100 with 6 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 Standard Bank Group (NAM:SNB), the current Return-on-Tangible-Equity is 18.96% 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 Standard Bank Group (NAM:SNB) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Bank Group stock appears to be overvalued.
The current stock price of R322.37 is trading 36.8% above its estimated GF Value™ of R235.66.
GuruFocus considers Standard Bank Group to be Significantly Overvalued.
Key valuation signals for NAM:SNB:
Return-on-Tangible-Equity: 18.96% (near median its 10-year median of 17.49)
GF Value™: R235.66 vs. price of R322.37 (36.8% above fair value)
Industry Position: 69.4% above the Banks median (#193 of 1523)
No single metric tells the full story. See the NAM:SNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Standard Bank Group Ltd provides banking and other financial services. Its operating model is client-led and structured around its business units, which are Personal & Private Banking (PPB), Business and Commercial Banking (BCB), Corporate and Investment Banking (CIB), and Insurance & Asset Management (IAM). It offers credit cards, mortgages, vehicle loans, insurance, and other lending and transactional products. Geographically, the company derives its maximum revenue from South Africa, followed by other African and international regions.
67GF Score
Get the complete analysis for NAM:SNB
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