Guaranty Trust Holding CoNSA:GTCO -0.71%82 Return-on-Tangible-Equity is 20.47% as of Dec. 2025, which is 25% below its 10-year median of 27.43. GuruFocus rates NSA:GTCO with a GF Score™ of 82/100 and a GF Value™ of ₦77.17 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,521 Banks companies, Guaranty Trust Holding Co ranks better than 95.99% 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. Guaranty Trust Holding Co's annualized net income for the quarter that ended in Dec. 2025 was ₦661,906 Mil. Guaranty Trust Holding Co's average shareholder tangible equity for the quarter that ended in Dec. 2025 was ₦3,232,846 Mil. Therefore, Guaranty Trust Holding Co's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 20.47%.
The historical rank and industry rank for Guaranty Trust Holding Co's Return-on-Tangible-Equity or its related term are showing as below:
NSA:GTCO'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 19.31 Med: 27.43 Max: 50.46
Current: 29.04
During the past 6 years, Guaranty Trust Holding Co's highest Return-on-Tangible-Equity was 50.46%. The lowest was 19.31%. And the median was 27.43%.
NSA:GTCO's Return-on-Tangible-Equity is ranked better than 95.99% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs NSA:GTCO: 29.04
Guaranty Trust Holding Co (NSA:GTCO) 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.
Guaranty Trust Holding Co Return-on-Tangible-Equity Related Terms
Guaranty Trust Holding Co Return-on-Tangible-Equity Historical Data
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The historical data trend for Guaranty Trust Holding Co'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.
Guaranty Trust Holding Co Return-on-Tangible-Equity Chart
NSA:GTCO vs JPM, BAC, WFC: Return-on-Tangible-Equity Comparison
For the Banks - Diversified subindustry, Guaranty Trust Holding Co'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.
Guaranty Trust Holding Co Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Guaranty Trust Holding Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Guaranty Trust Holding Co'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 (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 20.47% mean?
Guaranty Trust Holding Co (NSA:GTCO) has a Return-on-Tangible-Equity of 20.47% 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 Guaranty Trust Holding Co and its competitors. This is 25% below median its historical median of 27.43. Over the past decade, Guaranty Trust Holding Co's Return-on-Tangible-Equity has ranged from 19.31 to 50.46. According to the industry distribution chart, Guaranty Trust Holding Co ranks #61 out of 1521 companies in the Banks industry, placing it in the top 4%.
Is Guaranty Trust Holding Co's Return-on-Tangible-Equity too high?
Guaranty Trust Holding Co's current Return-on-Tangible-Equity of 20.47% is 25% below median its 10-year median of 27.43. Over the past 10 years, this metric has ranged from a low of 19.31 to a high of 50.46. The Banks industry median Return-on-Tangible-Equity is 11.19. Guaranty Trust Holding Co's value of 20.47% is 82.9% above this industry median. Based on the distribution chart, Guaranty Trust Holding Co ranks #61 out of 1521 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Guaranty Trust Holding Co has a GF Score™ of 82/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Guaranty Trust Holding Co's Return-on-Tangible-Equity compare to JPM and BAC?
According to the Banks industry distribution chart, Guaranty Trust Holding Co ranks #61 out of 1521 companies for Return-on-Tangible-Equity. This places Guaranty Trust Holding Co in the top 4% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. Guaranty Trust Holding Co's value of 20.47% is 82.9% above this benchmark. Historically, Guaranty Trust Holding Co's own Return-on-Tangible-Equity has ranged from 19.31 to 50.46 over the past decade. While the company's 10-year median is 27.43 vs. the industry median of 11.19, Guaranty Trust Holding Co 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 1,521 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. Guaranty Trust Holding Co's current Return-on-Tangible-Equity of 20.47% is 82.9% 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 Guaranty Trust Holding Co 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. Guaranty Trust Holding Co's current Return-on-Tangible-Equity is 20.47%, which is 25% below median its own 10-year median of 27.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Guaranty Trust Holding Co stock overvalued right now?
Based on GuruFocus' analysis, Guaranty Trust Holding Co (NSA:GTCO) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦77.17, compared to a current price of ₦126.00 — trading 63.3% above its estimated fair value. The current Return-on-Tangible-Equity is 20.47%, which is 25% below median its 10-year median of 27.43 and 82.9% above the Banks industry median of 11.19. Guaranty Trust Holding Co's overall GF Score™ is 82/100 with 1 warning sign 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 Guaranty Trust Holding Co (NSA:GTCO), the current Return-on-Tangible-Equity is 20.47% 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 Guaranty Trust Holding Co (NSA:GTCO) Overvalued in 2026?
Based on GuruFocus' analysis, Guaranty Trust Holding Co stock appears to be overvalued.
The current stock price of ₦126.00 is trading 63.3% above its estimated GF Value™ of ₦77.17.
GuruFocus considers Guaranty Trust Holding Co to be Significantly Overvalued.
Key valuation signals for NSA:GTCO:
Return-on-Tangible-Equity: 20.47% (25% below median its 10-year median of 27.43)
GF Value™: ₦77.17 vs. price of ₦126.00 (63.3% above fair value)
Industry Position: 82.9% above the Banks median (#61 of 1521)
No single metric tells the full story. See the NSA:GTCO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Guaranty Trust Holding Co PLC is a multinational financial institution that provides individuals, businesses, private and public institutions across Africa and the United Kingdom with a broad range of market key financial products and services. The company has six reportable segments: Corporate banking which derives maximum revenue, and incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Commercial banking which incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Business banking which incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Retail banking which incorporates private banking services, private customer current accounts, savings deposits; SME banking; and Public sector.
82GF Score
Get the complete analysis for NSA:GTCO
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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