Eleving GroupORSE:ELEVR -0.30%38 Return-on-Tangible-Equity is 29.40% as of Mar. 2026, which is 52% below its 10-year median of 61.07. GuruFocus rates ORSE:ELEVR with a GF Score™ of 38/100. The stock has 3 warning signs investors should review. Among 522 Credit Services companies, Eleving Group ranks better than 92.91% 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. Eleving Group's annualized net income for the quarter that ended in Mar. 2026 was €19.2 Mil. Eleving Group's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €65.3 Mil. Therefore, Eleving Group's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 29.40%.
The historical rank and industry rank for Eleving Group's Return-on-Tangible-Equity or its related term are showing as below:
ORSE:ELEVR'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 34.66 Med: 61.07 Max: 125.74
Current: 36.08
During the past 5 years, Eleving Group's highest Return-on-Tangible-Equity was 125.74%. The lowest was 34.66%. And the median was 61.07%.
ORSE:ELEVR's Return-on-Tangible-Equity is ranked better than 92.91% of 522
companies
in the Credit Services industry
Industry Median: 7.055
vs ORSE:ELEVR: 36.08
Eleving Group (ORSE:ELEVR) 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.
Eleving Group Return-on-Tangible-Equity Related Terms
Eleving Group Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Eleving 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.
ORSE:ELEVR vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Eleving 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.
Eleving Group Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Eleving Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Eleving 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 29.40% mean?
Eleving Group (ORSE:ELEVR) has a Return-on-Tangible-Equity of 29.40% 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 Eleving Group and its competitors. This is 52% below median its historical median of 61.07. Over the past decade, Eleving Group's Return-on-Tangible-Equity has ranged from 34.66 to 125.74. According to the industry distribution chart, Eleving Group ranks #37 out of 522 companies in the Credit Services industry, placing it in the top 7.1%.
Is Eleving Group's Return-on-Tangible-Equity too high?
Eleving Group's current Return-on-Tangible-Equity of 29.40% is 52% below median its 10-year median of 61.07. Over the past 10 years, this metric has ranged from a low of 34.66 to a high of 125.74. The Credit Services industry median Return-on-Tangible-Equity is 7.06. Eleving Group's value of 29.40% is 316.7% above this industry median. Based on the distribution chart, Eleving Group ranks #37 out of 522 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Eleving Group has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does Eleving Group's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Eleving Group ranks #37 out of 522 companies for Return-on-Tangible-Equity. This places Eleving Group in the top 7% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.06. Eleving Group's value of 29.40% is 316.7% above this benchmark. Historically, Eleving Group's own Return-on-Tangible-Equity has ranged from 34.66 to 125.74 over the past decade. While the company's 10-year median is 61.07 vs. the industry median of 7.06, Eleving 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 Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.06, based on 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. Eleving Group's current Return-on-Tangible-Equity of 29.40% is 316.7% 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 Eleving Group and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Eleving Group's current Return-on-Tangible-Equity is 29.40%, which is 52% below median its own 10-year median of 61.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Eleving Group stock overvalued right now?
Eleving Group (ORSE:ELEVR) has a current Return-on-Tangible-Equity of 29.40%. The current Return-on-Tangible-Equity is 29.40%, which is 52% below median its 10-year median of 61.07 and 316.7% above the Credit Services industry median of 7.06. Eleving Group's overall GF Score™ is 38/100 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 Eleving Group (ORSE:ELEVR), the current Return-on-Tangible-Equity is 29.40% 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.
Eleving Group SA is a fintech company providing vehicle, device, and consumer lending solutions across both emerging and developed markets. The Group operates two core business lines: vehicle & device finance, offering car and motorcycle loans, car rent-to-own solutions, and smartphone financing, and consumer finance, which includes single-payment, instalment, and long-term unsecured loans. It has presence in around 17 markets across three continents, the Group focuses on expanding access to financial services, supporting financial inclusion, and promoting upward social mobility in underserved communities world-wide.
38GF Score
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