Solid ForsakringsaktiebolagOSTO:SFAB -1.15%81 Return-on-Tangible-Equity is 16.90% as of Mar. 2026, which is 51% below its 10-year median of 34.55. GuruFocus rates OSTO:SFAB with a GF Score™ of 81/100 and a GF Value™ of kr74.97 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 498 Insurance companies, Solid Forsakringsaktiebolag ranks better than 81.73% 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. Solid Forsakringsaktiebolag's annualized net income for the quarter that ended in Mar. 2026 was kr88 Mil. Solid Forsakringsaktiebolag's average shareholder tangible equity for the quarter that ended in Mar. 2026 was kr521 Mil. Therefore, Solid Forsakringsaktiebolag's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 16.90%.
The historical rank and industry rank for Solid Forsakringsaktiebolag's Return-on-Tangible-Equity or its related term are showing as below:
OSTO:SFAB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 28.38 Med: 34.55 Max: 73.24
Current: 28.38
During the past 8 years, Solid Forsakringsaktiebolag's highest Return-on-Tangible-Equity was 73.24%. The lowest was 28.38%. And the median was 34.55%.
OSTO:SFAB's Return-on-Tangible-Equity is ranked better than 81.73% of 498
companies
in the Insurance industry
Industry Median: 13.53
vs OSTO:SFAB: 28.38
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.
Solid Forsakringsaktiebolag Return-on-Tangible-Equity Related Terms
Solid Forsakringsaktiebolag Return-on-Tangible-Equity Historical Data
* 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.
OSTO:SFAB vs FNF, AXS, FAF: Return-on-Tangible-Equity Comparison
For the Insurance - Specialty subindustry, Solid Forsakringsaktiebolag'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.
Solid Forsakringsaktiebolag Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Solid Forsakringsaktiebolag's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Solid Forsakringsaktiebolag'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 16.90% mean?
Solid Forsakringsaktiebolag (OSTO:SFAB) has a Return-on-Tangible-Equity of 16.90% 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 Solid Forsakringsaktiebolag and its competitors. This is 51% below median its historical median of 34.55. Over the past decade, Solid Forsakringsaktiebolag's Return-on-Tangible-Equity has ranged from 28.38 to 73.24. According to the industry distribution chart, Solid Forsakringsaktiebolag ranks #91 out of 498 companies in the Insurance industry, placing it in the top 18.3%.
Is Solid Forsakringsaktiebolag's Return-on-Tangible-Equity too high?
Solid Forsakringsaktiebolag's current Return-on-Tangible-Equity of 16.90% is 51% below median its 10-year median of 34.55. Over the past 10 years, this metric has ranged from a low of 28.38 to a high of 73.24. The Insurance industry median Return-on-Tangible-Equity is 13.53. Solid Forsakringsaktiebolag's value of 16.90% is 24.9% above this industry median. Based on the distribution chart, Solid Forsakringsaktiebolag ranks #91 out of 498 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Solid Forsakringsaktiebolag has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Solid Forsakringsaktiebolag's Return-on-Tangible-Equity compare to FNF and AXS?
According to the Insurance industry distribution chart, Solid Forsakringsaktiebolag ranks #91 out of 498 companies for Return-on-Tangible-Equity. This places Solid Forsakringsaktiebolag in the top 18% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 13.53. Solid Forsakringsaktiebolag's value of 16.90% is 24.9% above this benchmark. Historically, Solid Forsakringsaktiebolag's own Return-on-Tangible-Equity has ranged from 28.38 to 73.24 over the past decade. While the company's 10-year median is 34.55 vs. the industry median of 13.53, Solid Forsakringsaktiebolag 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 an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.53, based on 498 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. Solid Forsakringsaktiebolag's current Return-on-Tangible-Equity of 16.90% is 24.9% 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 Solid Forsakringsaktiebolag and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solid Forsakringsaktiebolag's current Return-on-Tangible-Equity is 16.90%, which is 51% below median its own 10-year median of 34.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Solid Forsakringsaktiebolag stock overvalued right now?
Based on GuruFocus' analysis, Solid Forsakringsaktiebolag (OSTO:SFAB) is currently considered Modestly Overvalued. The stock's GF Value™ is kr74.97, compared to a current price of kr94.80 — trading 26.5% above its estimated fair value. The current Return-on-Tangible-Equity is 16.90%, which is 51% below median its 10-year median of 34.55 and 24.9% above the Insurance industry median of 13.53. Solid Forsakringsaktiebolag's overall GF Score™ is 81/100 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 Solid Forsakringsaktiebolag (OSTO:SFAB), the current Return-on-Tangible-Equity is 16.90% 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 Solid Forsakringsaktiebolag (OSTO:SFAB) Overvalued in 2026?
Based on GuruFocus' analysis, Solid Forsakringsaktiebolag stock appears to be overvalued.
The current stock price of kr94.80 is trading 26.5% above its estimated GF Value™ of kr74.97.
GuruFocus considers Solid Forsakringsaktiebolag to be Modestly Overvalued.
Key valuation signals for OSTO:SFAB:
Return-on-Tangible-Equity: 16.90% (51% below median its 10-year median of 34.55)
GF Value™: kr74.97 vs. price of kr94.80 (26.5% above fair value)
Industry Position: 24.9% above the Insurance median (#91 of 498)
No single metric tells the full story. See the OSTO:SFAB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Solid Forsakringsaktiebolag is a niche insurance company in the Nordic region in non-life insurance. The company sells insurance in three different segments, which include Product, Personal Safety, and Assistance. Geographically, it has a presence in Sweden, Norway, Denmark, Finland, and other countries. It generates the majority of its revenue from Sweden.
81GF Score
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