Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Swvl HoldingsSWVL +37.44%54 Return-on-Tangible-Equity is 39.97% as of Dec. 2025. GuruFocus rates SWVL with a GF Score™ of 54/100 and a GF Value™ of $3.17 (Fairly Valued). The stock has 3 warning signs investors should review. Among 977 Transportation companies, Swvl Holdings ranks better than 88.43% 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. Swvl Holdings's annualized net income for the quarter that ended in Dec. 2025 was $1.76 Mil. Swvl Holdings's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $4.41 Mil. Therefore, Swvl Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 39.97%.
The historical rank and industry rank for Swvl Holdings's Return-on-Tangible-Equity or its related term are showing as below:
SWVL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -275.54 Med: -157.91 Max: 121.87
Current: 35.84
During the past 8 years, Swvl Holdings's highest Return-on-Tangible-Equity was 121.87%. The lowest was -275.54%. And the median was -157.91%.
SWVL's Return-on-Tangible-Equity is ranked better than 88.43% of 977
companies
in the Transportation industry
Industry Median: 9.22
vs SWVL: 35.84
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.
Swvl Holdings Return-on-Tangible-Equity Related Terms
Swvl Holdings Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Swvl 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.
SWVL vs RVSN, PNYG, UNP: Return-on-Tangible-Equity Comparison
For the Railroads subindustry, Swvl 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.
Swvl Holdings Return-on-Tangible-Equity vs Transportation Industry
For the Transportation industry and Industrials sector, Swvl Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Swvl 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 39.97% mean?
Swvl Holdings (SWVL) has a Return-on-Tangible-Equity of 39.97% 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 Swvl Holdings and its competitors. According to the industry distribution chart, Swvl Holdings ranks #113 out of 977 companies in the Transportation industry, placing it in the top 11.6%.
Is Swvl Holdings' Return-on-Tangible-Equity too high?
Swvl Holdings' current Return-on-Tangible-Equity is 39.97%. The Transportation industry median Return-on-Tangible-Equity is 9.22. Swvl Holdings' value of 39.97% is 333.5% above this industry median. Based on the distribution chart, Swvl Holdings ranks #113 out of 977 companies in the Transportation industry, which is in the top quartile — a strong position relative to peers. Overall, Swvl Holdings has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Swvl Holdings' Return-on-Tangible-Equity compare to RVSN and PNYG?
According to the Transportation industry distribution chart, Swvl Holdings ranks #113 out of 977 companies for Return-on-Tangible-Equity. This places Swvl Holdings in the top 12% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 9.22. Swvl Holdings' value of 39.97% is 333.5% above 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 a Transportation company?
The median Return-on-Tangible-Equity among Transportation companies is 9.22, based on 977 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. Swvl Holdings's current Return-on-Tangible-Equity of 39.97% is 333.5% 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 Swvl Holdings and its competitors. For the Transportation industry, the median Return-on-Tangible-Equity is 9.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Swvl Holdings's current Return-on-Tangible-Equity is 39.97%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Swvl Holdings stock overvalued right now?
Based on GuruFocus' analysis, Swvl Holdings (SWVL) is currently considered Fairly Valued. The stock's GF Value™ is $3.17, compared to a current price of $3.15 — trading 0.6% below its estimated fair value. The current Return-on-Tangible-Equity is 39.97% and 333.5% above the Transportation industry median of 9.22. Swvl Holdings' overall GF Score™ is 54/100 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 Swvl Holdings (SWVL), the current Return-on-Tangible-Equity is 39.97% 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 Swvl Holdings (SWVL) Overvalued in 2026?
Based on GuruFocus' analysis, Swvl Holdings stock appears to be undervalued.
The current stock price of $3.15 is trading 0.6% below its estimated GF Value™ of $3.17.
GuruFocus considers Swvl Holdings to be Fairly Valued.
Key valuation signals for SWVL:
Return-on-Tangible-Equity: 39.97%
GF Value™: $3.17 vs. price of $3.15 (0.6% below fair value)
Industry Position: 333.5% above the Transportation median (#113 of 977)
No single metric tells the full story. See the SWVL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Swvl Holdings Corp is a technology-driven mobility company providing mass transit solutions. It currently has two offerings: business-to-consumer (B2C) and B2B (marketed as Swvl Business). The company's B2C business utilizes its platform to provide riders with a network of minibuses and other vehicles that operate on fixed and semi-fixed routes throughout and between different cities. Riders can book available seats on vehicles to commute within a city. The Swvl Business caters to corporate customers (as well as schools and municipalities), providing them with transportation solutions for their employees and students. This business also offers transportation management software to clients who operate their own fleet. Geographically, the company generates maximum revenue from Egypt.
54GF Score
Get the complete analysis for SWVL
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SWVL has been successfully added to your 
