Raffles EducationRFLFF 42 Return-on-Tangible-Equity is 1.41% as of Dec. 2025, which is 16% below its 10-year median of 1.67. GuruFocus rates RFLFF with a GF Score™ of 42/100 and a GF Value™ of $0.02. The stock has 6 warning signs investors should review. Among 246 Education companies, Raffles Education ranks worse than 73.17% 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. Raffles Education's annualized net income for the quarter that ended in Dec. 2025 was $5.17 Mil. Raffles Education's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $366.61 Mil. Therefore, Raffles Education's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 1.41%.
The historical rank and industry rank for Raffles Education's Return-on-Tangible-Equity or its related term are showing as below:
RFLFF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -3.9 Med: 1.67 Max: 7.8
Current: 0.69
During the past 13 years, Raffles Education's highest Return-on-Tangible-Equity was 7.80%. The lowest was -3.90%. And the median was 1.67%.
RFLFF's Return-on-Tangible-Equity is ranked worse than 73.17% of 246
companies
in the Education industry
Industry Median: 11.685
vs RFLFF: 0.69
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.
Raffles Education Return-on-Tangible-Equity Related Terms
Raffles Education Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Raffles Education'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.
RFLFF vs EDU, TAL, LAUR: Return-on-Tangible-Equity Comparison
For the Education & Training Services subindustry, Raffles Education'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.
Raffles Education Return-on-Tangible-Equity vs Education Industry
For the Education industry and Consumer Defensive sector, Raffles Education's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Raffles Education'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 1.41% mean?
Raffles Education (RFLFF) has a Return-on-Tangible-Equity of 1.41% 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 Raffles Education and its competitors. This is 16% below median its historical median of 1.67. According to the industry distribution chart, Raffles Education ranks #180 out of 246 companies in the Education industry, placing it in the top 73.2%.
Is Raffles Education's Return-on-Tangible-Equity too high?
Raffles Education's current Return-on-Tangible-Equity of 1.41% is 16% below median its 10-year median of 1.67. The Education industry median Return-on-Tangible-Equity is 11.69. Raffles Education's value of 1.41% is 87.9% below this industry median. Based on the distribution chart, Raffles Education ranks #180 out of 246 companies in the Education industry, which is below the industry midpoint. Overall, Raffles Education has a GF Score™ of 42/100, reflecting its overall financial health beyond just this single metric.
How does Raffles Education's Return-on-Tangible-Equity compare to EDU and TAL?
According to the Education industry distribution chart, Raffles Education ranks #180 out of 246 companies for Return-on-Tangible-Equity. This places Raffles Education in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.69. Raffles Education's value of 1.41% is 87.9% below this benchmark. While the company's 10-year median is 1.67 vs. the industry median of 11.69, Raffles Education 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 an Education company?
The median Return-on-Tangible-Equity among Education companies is 11.69, based on 246 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. Raffles Education's current Return-on-Tangible-Equity of 1.41% is 87.9% 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 Raffles Education and its competitors. For the Education industry, the median Return-on-Tangible-Equity is 11.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Raffles Education's current Return-on-Tangible-Equity is 1.41%, which is 16% below median its own 10-year median of 1.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raffles Education stock overvalued right now?
Raffles Education (RFLFF) has a current Return-on-Tangible-Equity of 1.41%. The stock's GF Value™ is $0.02, compared to a current price of $0.05 — trading 140.2% above its estimated fair value. The current Return-on-Tangible-Equity is 1.41%, which is 16% below median its 10-year median of 1.67 and 87.9% below the Education industry median of 11.69. Raffles Education's overall GF Score™ is 42/100 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 Raffles Education (RFLFF), the current Return-on-Tangible-Equity is 1.41% 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 Raffles Education (RFLFF) Overvalued in 2026?
Based on GuruFocus' analysis, Raffles Education stock appears to be overvalued.
The current stock price of $0.05 is trading 140.2% above its estimated GF Value™ of $0.02.
Key valuation signals for RFLFF:
Return-on-Tangible-Equity: 1.41% (16% below median its 10-year median of 1.67)
GF Value™: $0.02 vs. price of $0.05 (140.2% above fair value)
Industry Position: 87.9% below the Education median (#180 of 246)
No single metric tells the full story. See the RFLFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Raffles Education Ltd operates as an investment holding company, which engages in providing business and management consultancy services. It operates through the following business segments: Education, Education Facilities Rental Service, Real Estate Investment and Development, and Corporate and Others. The Education segment offers students a range of degrees, diploma and full-time certification programmes in design and business-oriented disciplines at the post-secondary level. The Education Facilities Rental Service segment refers to the OUCHK engaging in education facilities leasing and commercial leasing for supporting facilities. The Real Estate Investment and Development segment participates in real estate investments and development.
42GF Score
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