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Stanbic IBTC HoldingsNSA:STANBIC 77 Return-on-Tangible-Equity is 38.60% as of Mar. 2026, which is 36% above its 10-year median of 28.36. GuruFocus rates NSA:STANBIC with a GF Score™ of 77/100 and a GF Value™ of ₦113.18 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,523 Banks companies, Stanbic IBTC Holdings ranks better than 98.1% 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. Stanbic IBTC Holdings's annualized net income for the quarter that ended in Mar. 2026 was ₦454,756 Mil. Stanbic IBTC Holdings's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₦1,177,994 Mil. Therefore, Stanbic IBTC Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 38.60%.
The historical rank and industry rank for Stanbic IBTC Holdings's Return-on-Tangible-Equity or its related term are showing as below:
NSA:STANBIC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 14.89 Med: 28.36 Max: 42.53
Current: 40.19
During the past 13 years, Stanbic IBTC Holdings's highest Return-on-Tangible-Equity was 42.53%. The lowest was 14.89%. And the median was 28.36%.
NSA:STANBIC's Return-on-Tangible-Equity is ranked better than 98.1% of 1523
companies
in the Banks industry
Industry Median: 11.23
vs NSA:STANBIC: 40.19
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.
Stanbic IBTC Holdings Return-on-Tangible-Equity Related Terms
Stanbic IBTC Holdings Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Stanbic IBTC Holdings'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.
For the Banks - Regional subindustry, Stanbic IBTC Holdings'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.
Stanbic IBTC Holdings Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Stanbic IBTC Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Stanbic IBTC Holdings'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 38.60% mean?
Stanbic IBTC Holdings (NSA:STANBIC) has a Return-on-Tangible-Equity of 38.60% 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 Stanbic IBTC Holdings and its competitors. This is 36% above median its historical median of 28.36. Over the past decade, Stanbic IBTC Holdings' Return-on-Tangible-Equity has ranged from 14.89 to 42.53. According to the industry distribution chart, Stanbic IBTC Holdings ranks #29 out of 1523 companies in the Banks industry, placing it in the top 1.9%.
Is Stanbic IBTC Holdings' Return-on-Tangible-Equity too high?
Stanbic IBTC Holdings' current Return-on-Tangible-Equity of 38.60% is 36% above median its 10-year median of 28.36. Over the past 10 years, this metric has ranged from a low of 14.89 to a high of 42.53. The Banks industry median Return-on-Tangible-Equity is 11.23. Stanbic IBTC Holdings' value of 38.60% is 243.7% above this industry median. Based on the distribution chart, Stanbic IBTC Holdings ranks #29 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Stanbic IBTC Holdings has a GF Score™ of 77/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Stanbic IBTC Holdings' Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Stanbic IBTC Holdings ranks #29 out of 1523 companies for Return-on-Tangible-Equity. This places Stanbic IBTC Holdings in the top 2% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.23. Stanbic IBTC Holdings' value of 38.60% is 243.7% above this benchmark. Historically, Stanbic IBTC Holdings' own Return-on-Tangible-Equity has ranged from 14.89 to 42.53 over the past decade. While the company's 10-year median is 28.36 vs. the industry median of 11.23, Stanbic IBTC Holdings 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 11.23, 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. Stanbic IBTC Holdings's current Return-on-Tangible-Equity of 38.60% is 243.7% 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 Stanbic IBTC Holdings and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Stanbic IBTC Holdings's current Return-on-Tangible-Equity is 38.60%, which is 36% above median its own 10-year median of 28.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Stanbic IBTC Holdings stock overvalued right now?
Based on GuruFocus' analysis, Stanbic IBTC Holdings (NSA:STANBIC) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦113.18, compared to a current price of ₦166.90 — trading 47.5% above its estimated fair value. The current Return-on-Tangible-Equity is 38.60%, which is 36% above median its 10-year median of 28.36 and 243.7% above the Banks industry median of 11.23. Stanbic IBTC Holdings' overall GF Score™ is 77/100 with 2 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 Stanbic IBTC Holdings (NSA:STANBIC), the current Return-on-Tangible-Equity is 38.60% 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 Stanbic IBTC Holdings (NSA:STANBIC) Overvalued in 2026?
Based on GuruFocus' analysis, Stanbic IBTC Holdings stock appears to be overvalued.
The current stock price of ₦166.90 is trading 47.5% above its estimated GF Value™ of ₦113.18.
GuruFocus considers Stanbic IBTC Holdings to be Significantly Overvalued.
Key valuation signals for NSA:STANBIC:
Return-on-Tangible-Equity: 38.60% (36% above median its 10-year median of 28.36)
GF Value™: ₦113.18 vs. price of ₦166.90 (47.5% above fair value)
Industry Position: 243.7% above the Banks median (#29 of 1523)
No single metric tells the full story. See the NSA:STANBIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Stanbic IBTC Holdings PLC provides banking services. The company's operating segments include Personal & Private Banking (PPB), Business & Commercial Banking (BCB), Insurance & Asset Management (IAM), and Corporate & Investment Banking (CIB). It generates a majority of its revenue from the Corporate and Investment Banking segment, which serves companies, governments, parastatals, and institutional clients across Africa and internationally.
77GF Score
Get the complete analysis for NSA:STANBIC
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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