Oversea-Chinese BankingOVCHF 63 Return-on-Tangible-Equity is 13.51% as of Mar. 2026, which is 10% above its 10-year median of 12.33. GuruFocus rates OVCHF with a GF Scoreâ„¢ of 63/100 and a GF Valueâ„¢ of $12.71 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,523 Banks companies, Oversea-Chinese Banking ranks better than 62.25% 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. Oversea-Chinese Banking's annualized net income for the quarter that ended in Mar. 2026 was $6,171 Mil. Oversea-Chinese Banking's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $45,692 Mil. Therefore, Oversea-Chinese Banking's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 13.51%.
The historical rank and industry rank for Oversea-Chinese Banking's Return-on-Tangible-Equity or its related term are showing as below:
OVCHF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.25 Med: 12.33 Max: 14.61
Current: 13.12
During the past 13 years, Oversea-Chinese Banking's highest Return-on-Tangible-Equity was 14.61%. The lowest was 8.25%. And the median was 12.33%.
OVCHF's Return-on-Tangible-Equity is ranked better than 62.25% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs OVCHF: 13.12
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.
Oversea-Chinese Banking Return-on-Tangible-Equity Related Terms
Oversea-Chinese Banking Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Oversea-Chinese Banking'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.
OVCHF vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Oversea-Chinese Banking'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.
Oversea-Chinese Banking Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Oversea-Chinese Banking's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Oversea-Chinese Banking'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 13.51% mean?
Oversea-Chinese Banking (OVCHF) has a Return-on-Tangible-Equity of 13.51% 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 Oversea-Chinese Banking and its competitors. This is 10% above median its historical median of 12.33. Over the past decade, Oversea-Chinese Banking's Return-on-Tangible-Equity has ranged from 8.25 to 14.61. According to the industry distribution chart, Oversea-Chinese Banking ranks #575 out of 1523 companies in the Banks industry, placing it in the top 37.8%.
Is Oversea-Chinese Banking's Return-on-Tangible-Equity too high?
Oversea-Chinese Banking's current Return-on-Tangible-Equity of 13.51% is 10% above median its 10-year median of 12.33. Over the past 10 years, this metric has ranged from a low of 8.25 to a high of 14.61. The Banks industry median Return-on-Tangible-Equity is 11.20. Oversea-Chinese Banking's value of 13.51% is 20.6% above this industry median. Based on the distribution chart, Oversea-Chinese Banking ranks #575 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, Oversea-Chinese Banking has a GF Scoreâ„¢ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oversea-Chinese Banking's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Oversea-Chinese Banking ranks #575 out of 1523 companies for Return-on-Tangible-Equity. This puts Oversea-Chinese Banking in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Oversea-Chinese Banking's value of 13.51% is 20.6% above this benchmark. Historically, Oversea-Chinese Banking's own Return-on-Tangible-Equity has ranged from 8.25 to 14.61 over the past decade. While the company's 10-year median is 12.33 vs. the industry median of 11.20, Oversea-Chinese Banking 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 11.20, 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. Oversea-Chinese Banking's current Return-on-Tangible-Equity of 13.51% is 20.6% 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 Oversea-Chinese Banking and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oversea-Chinese Banking's current Return-on-Tangible-Equity is 13.51%, which is 10% above median its own 10-year median of 12.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oversea-Chinese Banking stock overvalued right now?
Based on GuruFocus' analysis, Oversea-Chinese Banking (OVCHF) is currently considered Significantly Overvalued. The stock's GF Value™ is $12.71, compared to a current price of $19.10 — trading 50.3% above its estimated fair value. The current Return-on-Tangible-Equity is 13.51%, which is 10% above median its 10-year median of 12.33 and 20.6% above the Banks industry median of 11.20. Oversea-Chinese Banking's overall GF Score™ is 63/100 with 7 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 Oversea-Chinese Banking (OVCHF), the current Return-on-Tangible-Equity is 13.51% 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 Oversea-Chinese Banking (OVCHF) Overvalued in 2026?
Based on GuruFocus' analysis, Oversea-Chinese Banking stock appears to be overvalued.
The current stock price of $19.10 is trading 50.3% above its estimated GF Value™ of $12.71.
GuruFocus considers Oversea-Chinese Banking to be Significantly Overvalued.
Key valuation signals for OVCHF:
Return-on-Tangible-Equity: 13.51% (10% above median its 10-year median of 12.33)
GF Value™: $12.71 vs. price of $19.10 (50.3% above fair value)
Industry Position: 20.6% above the Banks median (#575 of 1523)
No single metric tells the full story. See the OVCHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oversea-Chinese Banking Corp. is the longest-established Singapore bank, founded by the merger of three local banks in 1932. OCBC's operations include consumer banking, wealth management, and private banking (in part through its Bank of Singapore subsidiary), small- to medium-sized enterprise and business banking, corporate and institutional banking, and insurance through majority-owned Great Eastern Holdings.
63GF Score
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