Suncorp GroupSNMYF +8.16%75 Return-on-Tangible-Equity is 9.75% as of Dec. 2025, which is 27% below its 10-year median of 13.35. GuruFocus rates SNMYF with a GF Score™ of 75/100 and a GF Value™ of $13.49 (Fairly Valued). The stock has 6 warning signs investors should review. Among 500 Insurance companies, Suncorp Group ranks better than 53.4% 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. Suncorp Group's annualized net income for the quarter that ended in Dec. 2025 was $350 Mil. Suncorp Group's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $3,583 Mil. Therefore, Suncorp Group's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 9.75%.
The historical rank and industry rank for Suncorp Group's Return-on-Tangible-Equity or its related term are showing as below:
SNMYF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.2 Med: 13.35 Max: 25.06
Current: 14.45
During the past 13 years, Suncorp Group's highest Return-on-Tangible-Equity was 25.06%. The lowest was 2.20%. And the median was 13.35%.
SNMYF's Return-on-Tangible-Equity is ranked better than 53.4% of 500
companies
in the Insurance industry
Industry Median: 13.515
vs SNMYF: 14.45
Suncorp Group (OTCPK:SNMYF) 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.
Suncorp Group Return-on-Tangible-Equity Related Terms
Suncorp Group Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Suncorp 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.
SNMYF vs CB, PGR, TRV: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, Suncorp 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.
Suncorp Group Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Suncorp Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Suncorp 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 9.75% mean?
Suncorp Group (SNMYF) has a Return-on-Tangible-Equity of 9.75% 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 Suncorp Group and its competitors. This is 27% below median its historical median of 13.35. Over the past decade, Suncorp Group's Return-on-Tangible-Equity has ranged from 2.20 to 25.06. According to the industry distribution chart, Suncorp Group ranks #233 out of 500 companies in the Insurance industry, placing it in the top 46.6%.
Is Suncorp Group's Return-on-Tangible-Equity too high?
Suncorp Group's current Return-on-Tangible-Equity of 9.75% is 27% below median its 10-year median of 13.35. Over the past 10 years, this metric has ranged from a low of 2.20 to a high of 25.06. The Insurance industry median Return-on-Tangible-Equity is 13.52. Suncorp Group's value of 9.75% is 27.9% below this industry median. Based on the distribution chart, Suncorp Group ranks #233 out of 500 companies in the Insurance industry, which is above the industry midpoint. Overall, Suncorp Group has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Suncorp Group's Return-on-Tangible-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, Suncorp Group ranks #233 out of 500 companies for Return-on-Tangible-Equity. This puts Suncorp Group in the upper half of its industry. The industry median Return-on-Tangible-Equity is 13.52. Suncorp Group's value of 9.75% is 27.9% below this benchmark. Historically, Suncorp Group's own Return-on-Tangible-Equity has ranged from 2.20 to 25.06 over the past decade. While the company's 10-year median is 13.35 vs. the industry median of 13.52, Suncorp 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 an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.52, based on 500 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. Suncorp Group's current Return-on-Tangible-Equity of 9.75% is 27.9% 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 Suncorp Group and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Suncorp Group's current Return-on-Tangible-Equity is 9.75%, which is 27% below median its own 10-year median of 13.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Suncorp Group stock overvalued right now?
Based on GuruFocus' analysis, Suncorp Group (SNMYF) is currently considered Fairly Valued. The stock's GF Value™ is $13.49, compared to a current price of $13.03 — trading 3.4% below its estimated fair value. The current Return-on-Tangible-Equity is 9.75%, which is 27% below median its 10-year median of 13.35 and 27.9% below the Insurance industry median of 13.52. Suncorp Group's overall GF Score™ is 75/100 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 Suncorp Group (SNMYF), the current Return-on-Tangible-Equity is 9.75% 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 Suncorp Group (SNMYF) Overvalued in 2026?
Based on GuruFocus' analysis, Suncorp Group stock appears to be undervalued.
The current stock price of $13.03 is trading 3.4% below its estimated GF Value™ of $13.49.
GuruFocus considers Suncorp Group to be Fairly Valued.
Key valuation signals for SNMYF:
Return-on-Tangible-Equity: 9.75% (27% below median its 10-year median of 13.35)
GF Value™: $13.49 vs. price of $13.03 (3.4% below fair value)
Industry Position: 27.9% below the Insurance median (#233 of 500)
No single metric tells the full story. See the SNMYF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Suncorp provides general insurance through a number of different brands. The core businesses include personal insurance such as home and motor, and commercial insurance. Suncorp and competitors IAG Insurance and QBE Insurance dominate the Australian and New Zealand insurance markets. It sold its banking business to ANZ Bank in July 2024.
75GF Score
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