Valiant Holding AGVALIF 60 Return-on-Tangible-Equity is 4.80% as of Mar. 2026, which is 12% below its 10-year median of 5.46. GuruFocus rates VALIF with a GF Score™ of 60/100 and a GF Value™ of $81.45. The stock has 2 warning signs investors should review. Among 1,522 Banks companies, Valiant Holding AG ranks worse than 80.35% 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. Valiant Holding AG's annualized net income for the quarter that ended in Mar. 2026 was $168.9 Mil. Valiant Holding AG's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $3,517.6 Mil. Therefore, Valiant Holding AG's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 4.80%.
The historical rank and industry rank for Valiant Holding AG's Return-on-Tangible-Equity or its related term are showing as below:
VALIF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.18 Med: 5.46 Max: 5.73
Current: 5.67
During the past 13 years, Valiant Holding AG's highest Return-on-Tangible-Equity was 5.73%. The lowest was 5.18%. And the median was 5.46%.
VALIF's Return-on-Tangible-Equity is ranked worse than 80.35% of 1522
companies
in the Banks industry
Industry Median: 11.205
vs VALIF: 5.67
Valiant Holding AG (OTCPK:VALIF) 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.
Valiant Holding AG Return-on-Tangible-Equity Related Terms
Valiant Holding AG Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Valiant Holding AG'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.
Valiant Holding AG Return-on-Tangible-Equity Chart
Valiant Holding AG Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Valiant Holding AG'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.
Valiant Holding AG Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Valiant Holding AG's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Valiant Holding AG'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 4.80% mean?
Valiant Holding AG (VALIF) has a Return-on-Tangible-Equity of 4.80% 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 Valiant Holding AG and its competitors. This is 12% below median its historical median of 5.46. Over the past decade, Valiant Holding AG's Return-on-Tangible-Equity has ranged from 5.18 to 5.73. According to the industry distribution chart, Valiant Holding AG ranks #1223 out of 1522 companies in the Banks industry, placing it in the top 80.4%.
Is Valiant Holding AG's Return-on-Tangible-Equity too high?
Valiant Holding AG's current Return-on-Tangible-Equity of 4.80% is 12% below median its 10-year median of 5.46. Over the past 10 years, this metric has ranged from a low of 5.18 to a high of 5.73. The Banks industry median Return-on-Tangible-Equity is 11.21. Valiant Holding AG's value of 4.80% is 57.2% below this industry median. Based on the distribution chart, Valiant Holding AG ranks #1223 out of 1522 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Valiant Holding AG has a GF Score™ of 60/100, reflecting its overall financial health beyond just this single metric.
How does Valiant Holding AG's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Valiant Holding AG ranks #1223 out of 1522 companies for Return-on-Tangible-Equity. This places Valiant Holding AG in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.21. Valiant Holding AG's value of 4.80% is 57.2% below this benchmark. Historically, Valiant Holding AG's own Return-on-Tangible-Equity has ranged from 5.18 to 5.73 over the past decade. While the company's 10-year median is 5.46 vs. the industry median of 11.21, Valiant Holding AG 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 a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,522 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. Valiant Holding AG's current Return-on-Tangible-Equity of 4.80% is 57.2% 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 Valiant Holding AG and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Valiant Holding AG's current Return-on-Tangible-Equity is 4.80%, which is 12% below median its own 10-year median of 5.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Valiant Holding AG stock overvalued right now?
Valiant Holding AG (VALIF) has a current Return-on-Tangible-Equity of 4.80%. The stock's GF Value™ is $81.45, compared to a current price of $118.35 — trading 45.3% above its estimated fair value. The current Return-on-Tangible-Equity is 4.80%, which is 12% below median its 10-year median of 5.46 and 57.2% below the Banks industry median of 11.21. Valiant Holding AG's overall GF Score™ is 60/100 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 Valiant Holding AG (VALIF), the current Return-on-Tangible-Equity is 4.80% 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 Valiant Holding AG (VALIF) Overvalued in 2026?
Based on GuruFocus' analysis, Valiant Holding AG stock appears to be overvalued.
The current stock price of $118.35 is trading 45.3% above its estimated GF Value™ of $81.45.
Key valuation signals for VALIF:
Return-on-Tangible-Equity: 4.80% (12% below median its 10-year median of 5.46)
GF Value™: $81.45 vs. price of $118.35 (45.3% above fair value)
Industry Position: 57.2% below the Banks median (#1223 of 1522)
No single metric tells the full story. See the VALIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Valiant Holding AG is an independent retail and SME bank that offers banking and financial services to clients. It caters to the following client segments: private clients, affluent private clients, self-employed individuals and small companies, and medium-sized companies. The products and services of the Group encompass mobile banking, payment solution Twint, savings accounts, retirement planning solutions, payments, investing, financing products, advisory services, and customized investment solutions.
60GF Score
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