SSI GroupPHS:SSI +4.00%89 Return-on-Tangible-Equity is 3.53% as of Mar. 2026, which is 47% below its 10-year median of 6.61. GuruFocus rates PHS:SSI with a GF Score™ of 89/100 and a GF Value™ of ₱3.49 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,058 Retail - Cyclical companies, SSI Group ranks worse than 55.77% 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. SSI Group's annualized net income for the quarter that ended in Mar. 2026 was ₱612 Mil. SSI Group's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₱17,347 Mil. Therefore, SSI Group's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 3.53%.
The historical rank and industry rank for SSI Group's Return-on-Tangible-Equity or its related term are showing as below:
PHS:SSI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -8.34 Med: 6.61 Max: 19.07
Current: 6.49
During the past 13 years, SSI Group's highest Return-on-Tangible-Equity was 19.07%. The lowest was -8.34%. And the median was 6.61%.
PHS:SSI's Return-on-Tangible-Equity is ranked worse than 55.77% of 1058
companies
in the Retail - Cyclical industry
Industry Median: 8.4
vs PHS:SSI: 6.49
SSI Group (PHS:SSI) 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.
SSI Group Return-on-Tangible-Equity Related Terms
SSI Group Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for SSI 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.
PHS:SSI vs TJX, ROST, BURL: Return-on-Tangible-Equity Comparison
For the Apparel Retail subindustry, SSI 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.
SSI Group Return-on-Tangible-Equity vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, SSI Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where SSI 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 3.53% mean?
SSI Group (PHS:SSI) has a Return-on-Tangible-Equity of 3.53% 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 SSI Group and its competitors. This is 47% below median its historical median of 6.61. According to the industry distribution chart, SSI Group ranks #590 out of 1058 companies in the Retail - Cyclical industry, placing it in the top 55.8%.
Is SSI Group's Return-on-Tangible-Equity too high?
SSI Group's current Return-on-Tangible-Equity of 3.53% is 47% below median its 10-year median of 6.61. The Retail - Cyclical industry median Return-on-Tangible-Equity is 8.40. SSI Group's value of 3.53% is 58% below this industry median. Based on the distribution chart, SSI Group ranks #590 out of 1058 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, SSI Group has a GF Score™ of 89/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SSI Group's Return-on-Tangible-Equity compare to TJX and ROST?
According to the Retail - Cyclical industry distribution chart, SSI Group ranks #590 out of 1058 companies for Return-on-Tangible-Equity. This places SSI Group in the lower half of its industry. The industry median Return-on-Tangible-Equity is 8.40. SSI Group's value of 3.53% is 58% below this benchmark. While the company's 10-year median is 6.61 vs. the industry median of 8.40, SSI Group has consistently been below 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 Retail - Cyclical company?
The median Return-on-Tangible-Equity among Retail - Cyclical companies is 8.40, based on 1,058 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. SSI Group's current Return-on-Tangible-Equity of 3.53% is 58% below 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 SSI Group and its competitors. For the Retail - Cyclical industry, the median Return-on-Tangible-Equity is 8.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SSI Group's current Return-on-Tangible-Equity is 3.53%, which is 47% below median its own 10-year median of 6.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SSI Group stock overvalued right now?
Based on GuruFocus' analysis, SSI Group (PHS:SSI) is currently considered Significantly Undervalued. The stock's GF Value™ is ₱3.49, compared to a current price of ₱2.34 — trading 33% below its estimated fair value. The current Return-on-Tangible-Equity is 3.53%, which is 47% below median its 10-year median of 6.61 and 58% below the Retail - Cyclical industry median of 8.40. SSI Group's overall GF Score™ is 89/100 with 4 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 SSI Group (PHS:SSI), the current Return-on-Tangible-Equity is 3.53% 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 SSI Group (PHS:SSI) Overvalued in 2026?
Based on GuruFocus' analysis, SSI Group stock appears to be undervalued.
The current stock price of ₱2.34 is trading 33% below its estimated GF Value™ of ₱3.49.
GuruFocus considers SSI Group to be Significantly Undervalued.
Key valuation signals for PHS:SSI:
Return-on-Tangible-Equity: 3.53% (47% below median its 10-year median of 6.61)
GF Value™: ₱3.49 vs. price of ₱2.34 (33% below fair value)
Industry Position: 58% below the Retail - Cyclical median (#590 of 1058)
No single metric tells the full story. See the PHS:SSI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SSI Group Inc together with its subsidiaries, operates specialty retail stores in the Philippines. The company operates a retail network consists of 628 stores located within approximately 110 malls across the Philippines, including Metro Manila, Luzon, Visayas, and Mindanao. The company provides a broad range of categories and brands, from luxury and bridge apparel to casual wear and fast fashion, as well as footwear, accessories, luggage, food, home and decor, and beauty and personal care.
89GF Score
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