QBE Insurance GroupQBEIF -5.64%72 Return-on-Tangible-Equity is 24.68% as of Dec. 2025, which is 104% above its 10-year median of 12.09. GuruFocus rates QBEIF with a GF Score™ of 72/100 and a GF Value™ of $14.00 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 499 Insurance companies, QBE Insurance Group ranks better than 75.35% 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. QBE Insurance Group's annualized net income for the quarter that ended in Dec. 2025 was $2,270 Mil. QBE Insurance Group's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $9,197 Mil. Therefore, QBE Insurance Group's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 24.68%.
The historical rank and industry rank for QBE Insurance Group's Return-on-Tangible-Equity or its related term are showing as below:
QBEIF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -25.67 Med: 12.09 Max: 23.53
Current: 23.53
During the past 13 years, QBE Insurance Group's highest Return-on-Tangible-Equity was 23.53%. The lowest was -25.67%. And the median was 12.09%.
QBEIF's Return-on-Tangible-Equity is ranked better than 75.35% of 499
companies
in the Insurance industry
Industry Median: 13.32
vs QBEIF: 23.53
QBE Insurance Group (OTCPK:QBEIF) 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.
QBE Insurance Group Return-on-Tangible-Equity Related Terms
QBE Insurance Group Return-on-Tangible-Equity Historical Data
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The historical data trend for QBE Insurance 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.
QBE Insurance Group Return-on-Tangible-Equity Chart
QBEIF vs CB, PGR, TRV: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, QBE Insurance 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.
QBE Insurance Group Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, QBE Insurance Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where QBE Insurance 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 two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 24.68% mean?
QBE Insurance Group (QBEIF) has a Return-on-Tangible-Equity of 24.68% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on QBE Insurance Group and its competitors. This is 104% above median its historical median of 12.09. According to the industry distribution chart, QBE Insurance Group ranks #123 out of 499 companies in the Insurance industry, placing it in the top 24.6%.
Is QBE Insurance Group's Return-on-Tangible-Equity too high?
QBE Insurance Group's current Return-on-Tangible-Equity of 24.68% is 104% above median its 10-year median of 12.09. The Insurance industry median Return-on-Tangible-Equity is 13.32. QBE Insurance Group's value of 24.68% is 85.3% above this industry median. Based on the distribution chart, QBE Insurance Group ranks #123 out of 499 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, QBE Insurance Group has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does QBE Insurance Group's Return-on-Tangible-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, QBE Insurance Group ranks #123 out of 499 companies for Return-on-Tangible-Equity. This places QBE Insurance Group in the top 25% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 13.32. QBE Insurance Group's value of 24.68% is 85.3% above this benchmark. While the company's 10-year median is 12.09 vs. the industry median of 13.32, QBE Insurance Group 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 13.32, based on 499 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. QBE Insurance Group's current Return-on-Tangible-Equity of 24.68% is 85.3% 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 QBE Insurance Group and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. QBE Insurance Group's current Return-on-Tangible-Equity is 24.68%, which is 104% above median its own 10-year median of 12.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is QBE Insurance Group stock overvalued right now?
Based on GuruFocus' analysis, QBE Insurance Group (QBEIF) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.00, compared to a current price of $17.58 — trading 25.6% above its estimated fair value. The current Return-on-Tangible-Equity is 24.68%, which is 104% above median its 10-year median of 12.09 and 85.3% above the Insurance industry median of 13.32. QBE Insurance Group's overall GF Score™ is 72/100 with 6 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 QBE Insurance Group (QBEIF), the current Return-on-Tangible-Equity is 24.68% as of Dec. 2025. 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 QBE Insurance Group (QBEIF) Overvalued in 2026?
Based on GuruFocus' analysis, QBE Insurance Group stock appears to be overvalued.
The current stock price of $17.58 is trading 25.6% above its estimated GF Value™ of $14.00.
GuruFocus considers QBE Insurance Group to be Modestly Overvalued.
Key valuation signals for QBEIF:
Return-on-Tangible-Equity: 24.68% (104% above median its 10-year median of 12.09)
GF Value™: $14.00 vs. price of $17.58 (25.6% above fair value)
Industry Position: 85.3% above the Insurance median (#123 of 499)
No single metric tells the full story. See the QBEIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
QBE Insurance is an international property and casualty insurance company. QBE Insurance offers a number of personal, commercial, and specialty lines, including property, auto insurance, agriculture, public/product liability, professional indemnity, workers compensation, marine, energy and aviation, and accident and health.
72GF Score
Get the complete analysis for QBEIF
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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