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HG HoldingsSTLY -2.86%69 Return-on-Tangible-Equity is 6.03% as of Mar. 2026. GuruFocus rates STLY with a GF Score™ of 69/100 and a GF Value™ of $4.31 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 497 Insurance companies, HG Holdings ranks worse than 71.83% 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. HG Holdings's annualized net income for the quarter that ended in Mar. 2026 was $2.12 Mil. HG Holdings's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $35.21 Mil. Therefore, HG Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 6.03%.
The historical rank and industry rank for HG Holdings's Return-on-Tangible-Equity or its related term are showing as below:
STLY'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -45.95 Med: -0.32 Max: 14.5
Current: 6.99
During the past 13 years, HG Holdings's highest Return-on-Tangible-Equity was 14.50%. The lowest was -45.95%. And the median was -0.32%.
STLY's Return-on-Tangible-Equity is ranked worse than 71.83% of 497
companies
in the Insurance industry
Industry Median: 13.62
vs STLY: 6.99
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.
HG Holdings Return-on-Tangible-Equity Related Terms
HG Holdings Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for HG 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.
STLY vs ACMTA, FNF, AXS: Return-on-Tangible-Equity Comparison
For the Insurance - Specialty subindustry, HG 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.
HG Holdings Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, HG Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where HG 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 four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 6.03% mean?
HG Holdings (STLY) has a Return-on-Tangible-Equity of 6.03% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on HG Holdings and its competitors. According to the industry distribution chart, HG Holdings ranks #357 out of 497 companies in the Insurance industry, placing it in the top 71.8%.
Is HG Holdings' Return-on-Tangible-Equity too high?
HG Holdings' current Return-on-Tangible-Equity is 6.03%. The Insurance industry median Return-on-Tangible-Equity is 13.62. HG Holdings' value of 6.03% is 55.7% below this industry median. Based on the distribution chart, HG Holdings ranks #357 out of 497 companies in the Insurance industry, which is below the industry midpoint. Overall, HG Holdings has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HG Holdings' Return-on-Tangible-Equity compare to ACMTA and FNF?
According to the Insurance industry distribution chart, HG Holdings ranks #357 out of 497 companies for Return-on-Tangible-Equity. This places HG Holdings in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.62. HG Holdings' value of 6.03% is 55.7% below this benchmark. 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 13.62, based on 497 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. HG Holdings's current Return-on-Tangible-Equity of 6.03% is 55.7% 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 HG Holdings and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HG Holdings's current Return-on-Tangible-Equity is 6.03%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HG Holdings stock overvalued right now?
Based on GuruFocus' analysis, HG Holdings (STLY) is currently considered Modestly Undervalued. The stock's GF Value™ is $4.31, compared to a current price of $3.40 — trading 21.1% below its estimated fair value. The current Return-on-Tangible-Equity is 6.03% and 55.7% below the Insurance industry median of 13.62. HG Holdings' overall GF Score™ is 69/100 with 2 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 HG Holdings (STLY), the current Return-on-Tangible-Equity is 6.03% as of Mar. 2026. 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 HG Holdings (STLY) Overvalued in 2026?
Based on GuruFocus' analysis, HG Holdings stock appears to be undervalued.
The current stock price of $3.40 is trading 21.1% below its estimated GF Value™ of $4.31.
GuruFocus considers HG Holdings to be Modestly Undervalued.
Key valuation signals for STLY:
Return-on-Tangible-Equity: 6.03%
GF Value™: $4.31 vs. price of $3.40 (21.1% below fair value)
Industry Position: 55.7% below the Insurance median (#357 of 497)
No single metric tells the full story. See the STLY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HG Holdings Inc together with its consolidated subsidiaries, operates through its wholly owned subsidiarie. The Company engages in the business of providing title insurance through the subsidiary NCTIC and providing title agency services through the subsidiaries NCTG, TAV, and Omega. Through NCTIC, the Company underwrites land title insurance for owners and mortgagees as the primary insurer. The Company currently only provides title insurance services in the state of Florida.
69GF Score
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Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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