Banco Pichincha CAQUI:PCD -1.52%98 Return-on-Tangible-Equity is 14.35% as of Dec. 2025, which is 36% above its 10-year median of 10.52. GuruFocus rates QUI:PCD with a GF Score™ of 98/100 and a GF Value™ of $107.64 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,521 Banks companies, Banco Pichincha CA ranks better than 71.14% 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. Banco Pichincha CA's annualized net income for the quarter that ended in Dec. 2025 was $237 Mil. Banco Pichincha CA's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $1,650 Mil. Therefore, Banco Pichincha CA's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 14.35%.
The historical rank and industry rank for Banco Pichincha CA's Return-on-Tangible-Equity or its related term are showing as below:
QUI:PCD'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.3 Med: 10.52 Max: 14.93
Current: 14.35
During the past 10 years, Banco Pichincha CA's highest Return-on-Tangible-Equity was 14.93%. The lowest was 4.30%. And the median was 10.52%.
QUI:PCD's Return-on-Tangible-Equity is ranked better than 71.14% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs QUI:PCD: 14.35
Banco Pichincha CA (QUI:PCD) 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.
Banco Pichincha CA Return-on-Tangible-Equity Related Terms
Banco Pichincha CA Return-on-Tangible-Equity Historical Data
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The historical data trend for Banco Pichincha CA'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.
Banco Pichincha CA Return-on-Tangible-Equity Chart
QUI:PCD vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Banco Pichincha CA'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.
Banco Pichincha CA Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Banco Pichincha CA's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Banco Pichincha CA'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 one times the 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 14.35% mean?
Banco Pichincha CA (QUI:PCD) has a Return-on-Tangible-Equity of 14.35% 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 Banco Pichincha CA and its competitors. This is 36% above median its historical median of 10.52. Over the past decade, Banco Pichincha CA's Return-on-Tangible-Equity has ranged from 4.30 to 14.93. According to the industry distribution chart, Banco Pichincha CA ranks #439 out of 1521 companies in the Banks industry, placing it in the top 28.9%.
Is Banco Pichincha CA's Return-on-Tangible-Equity too high?
Banco Pichincha CA's current Return-on-Tangible-Equity of 14.35% is 36% above median its 10-year median of 10.52. Over the past 10 years, this metric has ranged from a low of 4.30 to a high of 14.93. The Banks industry median Return-on-Tangible-Equity is 11.19. Banco Pichincha CA's value of 14.35% is 28.2% above this industry median. Based on the distribution chart, Banco Pichincha CA ranks #439 out of 1521 companies in the Banks industry, which is above the industry midpoint. Overall, Banco Pichincha CA has a GF Score™ of 98/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Pichincha CA's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Banco Pichincha CA ranks #439 out of 1521 companies for Return-on-Tangible-Equity. This puts Banco Pichincha CA in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Banco Pichincha CA's value of 14.35% is 28.2% above this benchmark. Historically, Banco Pichincha CA's own Return-on-Tangible-Equity has ranged from 4.30 to 14.93 over the past decade. While the company's 10-year median is 10.52 vs. the industry median of 11.19, Banco Pichincha CA 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 11.19, based on 1,521 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. Banco Pichincha CA's current Return-on-Tangible-Equity of 14.35% is 28.2% 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 Banco Pichincha CA and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Pichincha CA's current Return-on-Tangible-Equity is 14.35%, which is 36% above median its own 10-year median of 10.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Pichincha CA stock overvalued right now?
Based on GuruFocus' analysis, Banco Pichincha CA (QUI:PCD) is currently considered Modestly Overvalued. The stock's GF Value™ is $107.64, compared to a current price of $130.00 — trading 20.8% above its estimated fair value. The current Return-on-Tangible-Equity is 14.35%, which is 36% above median its 10-year median of 10.52 and 28.2% above the Banks industry median of 11.19. Banco Pichincha CA's overall GF Score™ is 98/100 with 3 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 Banco Pichincha CA (QUI:PCD), the current Return-on-Tangible-Equity is 14.35% 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 Banco Pichincha CA (QUI:PCD) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Pichincha CA stock appears to be overvalued.
The current stock price of $130.00 is trading 20.8% above its estimated GF Value™ of $107.64.
GuruFocus considers Banco Pichincha CA to be Modestly Overvalued.
Key valuation signals for QUI:PCD:
Return-on-Tangible-Equity: 14.35% (36% above median its 10-year median of 10.52)
GF Value™: $107.64 vs. price of $130.00 (20.8% above fair value)
Industry Position: 28.2% above the Banks median (#439 of 1521)
No single metric tells the full story. See the QUI:PCD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Pichincha CA provides banking services in Ecuador. The products and services of the bank include electronic banking, savings account, current account, debit cards, credit cards, and other related services.
98GF Score
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