Pelagos Insurance CapitalPLGO +4.08%82 Return-on-Tangible-Equity is 18.57% as of Mar. 2026, which is 236% above its 10-year median of 5.52. GuruFocus rates PLGO with a GF Score™ of 82/100 and a GF Value™ of $21.01 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 497 Insurance companies, Pelagos Insurance Capital ranks better than 58.35% 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. Pelagos Insurance Capital's annualized net income for the quarter that ended in Mar. 2026 was $432 Mil. Pelagos Insurance Capital's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $2,327 Mil. Therefore, Pelagos Insurance Capital's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 18.57%.
The historical rank and industry rank for Pelagos Insurance Capital's Return-on-Tangible-Equity or its related term are showing as below:
PLGO'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.64 Med: 5.52 Max: 96.35
Current: 15.95
During the past 7 years, Pelagos Insurance Capital's highest Return-on-Tangible-Equity was 96.35%. The lowest was 2.64%. And the median was 5.52%.
PLGO's Return-on-Tangible-Equity is ranked better than 58.35% of 497
companies
in the Insurance industry
Industry Median: 13.54
vs PLGO: 15.95
Pelagos Insurance Capital (NYSE:PLGO) 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.
Pelagos Insurance Capital Return-on-Tangible-Equity Related Terms
Pelagos Insurance Capital Return-on-Tangible-Equity Historical Data
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The historical data trend for Pelagos Insurance Capital'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.
Pelagos Insurance Capital Return-on-Tangible-Equity Chart
PLGO vs XZO, IGIC, SUND: Return-on-Tangible-Equity Comparison
For the Insurance - Diversified subindustry, Pelagos Insurance Capital'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.
Pelagos Insurance Capital Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Pelagos Insurance Capital's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Pelagos Insurance Capital'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 18.57% mean?
Pelagos Insurance Capital (PLGO) has a Return-on-Tangible-Equity of 18.57% 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 Pelagos Insurance Capital and its competitors. This is 236% above median its historical median of 5.52. Over the past decade, Pelagos Insurance Capital's Return-on-Tangible-Equity has ranged from 2.64 to 96.35. According to the industry distribution chart, Pelagos Insurance Capital ranks #207 out of 497 companies in the Insurance industry, placing it in the top 41.6%.
Is Pelagos Insurance Capital's Return-on-Tangible-Equity too high?
Pelagos Insurance Capital's current Return-on-Tangible-Equity of 18.57% is 236% above median its 10-year median of 5.52. Over the past 10 years, this metric has ranged from a low of 2.64 to a high of 96.35. The Insurance industry median Return-on-Tangible-Equity is 13.54. Pelagos Insurance Capital's value of 18.57% is 37.1% above this industry median. Based on the distribution chart, Pelagos Insurance Capital ranks #207 out of 497 companies in the Insurance industry, which is above the industry midpoint. Overall, Pelagos Insurance Capital has a GF Score™ of 82/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pelagos Insurance Capital's Return-on-Tangible-Equity compare to XZO and IGIC?
According to the Insurance industry distribution chart, Pelagos Insurance Capital ranks #207 out of 497 companies for Return-on-Tangible-Equity. This puts Pelagos Insurance Capital in the upper half of its industry. The industry median Return-on-Tangible-Equity is 13.54. Pelagos Insurance Capital's value of 18.57% is 37.1% above this benchmark. Historically, Pelagos Insurance Capital's own Return-on-Tangible-Equity has ranged from 2.64 to 96.35 over the past decade. While the company's 10-year median is 5.52 vs. the industry median of 13.54, Pelagos Insurance Capital 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 13.54, based on 497 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. Pelagos Insurance Capital's current Return-on-Tangible-Equity of 18.57% is 37.1% 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 Pelagos Insurance Capital and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pelagos Insurance Capital's current Return-on-Tangible-Equity is 18.57%, which is 236% above median its own 10-year median of 5.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pelagos Insurance Capital stock overvalued right now?
Based on GuruFocus' analysis, Pelagos Insurance Capital (PLGO) is currently considered Modestly Overvalued. The stock's GF Value™ is $21.01, compared to a current price of $24.74 — trading 17.8% above its estimated fair value. The current Return-on-Tangible-Equity is 18.57%, which is 236% above median its 10-year median of 5.52 and 37.1% above the Insurance industry median of 13.54. Pelagos Insurance Capital's overall GF Score™ is 82/100 with 5 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 Pelagos Insurance Capital (PLGO), the current Return-on-Tangible-Equity is 18.57% 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 Pelagos Insurance Capital (PLGO) Overvalued in 2026?
Based on GuruFocus' analysis, Pelagos Insurance Capital stock appears to be overvalued.
The current stock price of $24.74 is trading 17.8% above its estimated GF Value™ of $21.01.
GuruFocus considers Pelagos Insurance Capital to be Modestly Overvalued.
Key valuation signals for PLGO:
Return-on-Tangible-Equity: 18.57% (236% above median its 10-year median of 5.52)
GF Value™: $21.01 vs. price of $24.74 (17.8% above fair value)
Industry Position: 37.1% above the Insurance median (#207 of 497)
No single metric tells the full story. See the PLGO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pelagos Insurance Capital Ltd operates in the specialty insurance and reinsurance sector. Its activities include capital allocation, risk selection, and the deployment of capital through underwriting partnerships across insurance and reinsurance markets. The company manages a diversified portfolio and works with underwriting partners to provide insurance and reinsurance solutions to clients and brokers.
82GF Score
Get the complete analysis for PLGO
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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