Sentage HoldingsSNTG -0.48%46 Return-on-Tangible-Equity is -34.39% as of Dec. 2025. GuruFocus rates SNTG with a GF Score™ of 46/100 and a GF Value™ of $1.04 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 523 Credit Services companies, Sentage Holdings ranks worse than 92.93% 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. Sentage Holdings's annualized net income for the quarter that ended in Dec. 2025 was $-2.96 Mil. Sentage Holdings's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $8.61 Mil. Therefore, Sentage Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was -34.39%.
The historical rank and industry rank for Sentage Holdings's Return-on-Tangible-Equity or its related term are showing as below:
SNTG'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -25.29 Med: -16.59 Max: -12.43
Current: -24.95
During the past 8 years, Sentage Holdings's highest Return-on-Tangible-Equity was -12.43%. The lowest was -25.29%. And the median was -16.59%.
SNTG's Return-on-Tangible-Equity is ranked worse than 92.93% of 523
companies
in the Credit Services industry
Industry Median: 7.05
vs SNTG: -24.95
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.
Sentage Holdings Return-on-Tangible-Equity Related Terms
Sentage Holdings Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Sentage Holdings'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.
SNTG vs SPFX, SPST, VNTA: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Sentage Holdings'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.
Sentage Holdings Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sentage Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Sentage Holdings'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 -34.39% mean?
Sentage Holdings (SNTG) has a Return-on-Tangible-Equity of -34.39% 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 Sentage Holdings and its competitors. According to the industry distribution chart, Sentage Holdings ranks #486 out of 523 companies in the Credit Services industry, placing it in the top 92.9%.
Is Sentage Holdings' Return-on-Tangible-Equity too high?
Sentage Holdings' current Return-on-Tangible-Equity is -34.39%. Based on the distribution chart, Sentage Holdings ranks #486 out of 523 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Sentage Holdings has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sentage Holdings' Return-on-Tangible-Equity compare to SPFX and SPST?
According to the Credit Services industry distribution chart, Sentage Holdings ranks #486 out of 523 companies for Return-on-Tangible-Equity. This places Sentage Holdings in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.05. 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 Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.05, based on 523 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. 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 Sentage Holdings and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sentage Holdings's current Return-on-Tangible-Equity is -34.39%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sentage Holdings stock overvalued right now?
Based on GuruFocus' analysis, Sentage Holdings (SNTG) is currently considered Significantly Overvalued. The stock's GF Value™ is $1.04, compared to a current price of $2.06 — trading 97.6% above its estimated fair value. The current Return-on-Tangible-Equity is -34.39%. Sentage Holdings' overall GF Score™ is 46/100 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 Sentage Holdings (SNTG), the current Return-on-Tangible-Equity is -34.39% 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 Sentage Holdings (SNTG) Overvalued in 2026?
Based on GuruFocus' analysis, Sentage Holdings stock appears to be overvalued.
The current stock price of $2.06 is trading 97.6% above its estimated GF Value™ of $1.04.
GuruFocus considers Sentage Holdings to be Significantly Overvalued.
Key valuation signals for SNTG:
Return-on-Tangible-Equity: -34.39%
GF Value™: $1.04 vs. price of $2.06 (97.6% above fair value)
No single metric tells the full story. See the SNTG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sentage Holdings Inc is a financial service provider. The company offers a comprehensive range of financial services across consumer loan repayment and collection management, loan recommendation, and prepaid payment network services in China.
46GF Score
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