Raiffeisen Bank Aval JSCPFTS:BAVL Return-on-Tangible-Equity is 13.71% as of Mar. 2026, which is 61% below its 10-year median of 35.53. The stock has 2 warning signs investors should review. Among 1,523 Banks companies, Raiffeisen Bank Aval JSC ranks better than 95.8% 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. Raiffeisen Bank Aval JSC's annualized net income for the quarter that ended in Mar. 2026 was ₴5,183 Mil. Raiffeisen Bank Aval JSC's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₴37,803 Mil. Therefore, Raiffeisen Bank Aval JSC's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 13.71%.
The historical rank and industry rank for Raiffeisen Bank Aval JSC's Return-on-Tangible-Equity or its related term are showing as below:
PFTS:BAVL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 10.78 Med: 35.53 Max: 55.25
Current: 28.95
During the past 13 years, Raiffeisen Bank Aval JSC's highest Return-on-Tangible-Equity was 55.25%. The lowest was 10.78%. And the median was 35.53%.
PFTS:BAVL's Return-on-Tangible-Equity is ranked better than 95.8% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs PFTS:BAVL: 28.95
Raiffeisen Bank Aval JSC (PFTS:BAVL) 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.
Raiffeisen Bank Aval JSC Return-on-Tangible-Equity Related Terms
Raiffeisen Bank Aval JSC Return-on-Tangible-Equity Historical Data
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The historical data trend for Raiffeisen Bank Aval JSC'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.
Raiffeisen Bank Aval JSC Return-on-Tangible-Equity Chart
PFTS:BAVL vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Raiffeisen Bank Aval JSC'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.
Raiffeisen Bank Aval JSC Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Raiffeisen Bank Aval JSC's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Raiffeisen Bank Aval JSC'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 13.71% mean?
Raiffeisen Bank Aval JSC (PFTS:BAVL) has a Return-on-Tangible-Equity of 13.71% 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 Raiffeisen Bank Aval JSC and its competitors. This is 61% below median its historical median of 35.53. Over the past decade, Raiffeisen Bank Aval JSC's Return-on-Tangible-Equity has ranged from 10.78 to 55.25. According to the industry distribution chart, Raiffeisen Bank Aval JSC ranks #64 out of 1523 companies in the Banks industry, placing it in the top 4.2%.
Is Raiffeisen Bank Aval JSC's Return-on-Tangible-Equity too high?
Raiffeisen Bank Aval JSC's current Return-on-Tangible-Equity of 13.71% is 61% below median its 10-year median of 35.53. Over the past 10 years, this metric has ranged from a low of 10.78 to a high of 55.25. The Banks industry median Return-on-Tangible-Equity is 11.20. Raiffeisen Bank Aval JSC's value of 13.71% is 22.4% above this industry median. Based on the distribution chart, Raiffeisen Bank Aval JSC ranks #64 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers.
How does Raiffeisen Bank Aval JSC's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Raiffeisen Bank Aval JSC ranks #64 out of 1523 companies for Return-on-Tangible-Equity. This places Raiffeisen Bank Aval JSC in the top 4% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. Raiffeisen Bank Aval JSC's value of 13.71% is 22.4% above this benchmark. Historically, Raiffeisen Bank Aval JSC's own Return-on-Tangible-Equity has ranged from 10.78 to 55.25 over the past decade. While the company's 10-year median is 35.53 vs. the industry median of 11.20, Raiffeisen Bank Aval JSC 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. Raiffeisen Bank Aval JSC's current Return-on-Tangible-Equity of 13.71% is 22.4% 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 Raiffeisen Bank Aval JSC 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. Raiffeisen Bank Aval JSC's current Return-on-Tangible-Equity is 13.71%, which is 61% below median its own 10-year median of 35.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raiffeisen Bank Aval JSC stock overvalued right now?
Based on GuruFocus' analysis, Raiffeisen Bank Aval JSC (PFTS:BAVL) is currently considered Fairly Valued. The stock's GF Value™ is ₴0.45, compared to a current price of ₴0.46 — trading 2.8% above its estimated fair value. The current Return-on-Tangible-Equity is 13.71%, which is 61% below median its 10-year median of 35.53 and 22.4% above the Banks industry median of 11.20. 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 Raiffeisen Bank Aval JSC (PFTS:BAVL), the current Return-on-Tangible-Equity is 13.71% 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.
Raiffeisen Bank Aval JSC is a Ukraine based bank. It provides banking services to private individuals, corporate clients, and small and micro enterprises in Ukraine through electronic channels. It offers services and products to private individuals, including deposits; money transfers in UAH and foreign currencies, with or without opening an account; a wide list of new payment instruments including MasterCard and Visa International cards; consumer loans and many others. Its segments include Corporate & Small enterprises, Micro customers & Private individuals, Financial institutions, and Proprietary business. The majority of its revenue comes from Corporate & Small enterprises segment.
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