CapiteaWAR:CAP -2.52%59 Return-on-Tangible-Equity is 3.17% as of Mar. 2026, which is 95% below its 10-year median of 61.46. GuruFocus rates WAR:CAP with a GF Score™ of 59/100 and a GF Value™ of zł0.47 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 525 Credit Services companies, Capitea ranks worse than 57.33% 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. Capitea's annualized net income for the quarter that ended in Mar. 2026 was zł6.5 Mil. Capitea's average shareholder tangible equity for the quarter that ended in Mar. 2026 was zł204.9 Mil. Therefore, Capitea's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 3.17%.
The historical rank and industry rank for Capitea's Return-on-Tangible-Equity or its related term are showing as below:
WAR:CAP'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.72 Med: 61.46 Max: 77.83
Current: 4.72
During the past 12 years, Capitea's highest Return-on-Tangible-Equity was 77.83%. The lowest was 4.72%. And the median was 61.46%.
WAR:CAP's Return-on-Tangible-Equity is ranked worse than 57.33% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs WAR:CAP: 4.72
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.
Capitea Return-on-Tangible-Equity Related Terms
Capitea Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Capitea'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.
WAR:CAP vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Capitea'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.
Capitea Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Capitea's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Capitea'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 3.17% mean?
Capitea (WAR:CAP) has a Return-on-Tangible-Equity of 3.17% 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 Capitea and its competitors. This is 95% below median its historical median of 61.46. Over the past decade, Capitea's Return-on-Tangible-Equity has ranged from 4.72 to 77.83. According to the industry distribution chart, Capitea ranks #301 out of 525 companies in the Credit Services industry, placing it in the top 57.3%.
Is Capitea's Return-on-Tangible-Equity too high?
Capitea's current Return-on-Tangible-Equity of 3.17% is 95% below median its 10-year median of 61.46. Over the past 10 years, this metric has ranged from a low of 4.72 to a high of 77.83. The Credit Services industry median Return-on-Tangible-Equity is 7.01. Capitea's value of 3.17% is 54.8% below this industry median. Based on the distribution chart, Capitea ranks #301 out of 525 companies in the Credit Services industry, which is below the industry midpoint. Overall, Capitea has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Capitea's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Capitea ranks #301 out of 525 companies for Return-on-Tangible-Equity. This places Capitea in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.01. Capitea's value of 3.17% is 54.8% below this benchmark. Historically, Capitea's own Return-on-Tangible-Equity has ranged from 4.72 to 77.83 over the past decade. While the company's 10-year median is 61.46 vs. the industry median of 7.01, Capitea 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 Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.01, based on 525 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. Capitea's current Return-on-Tangible-Equity of 3.17% is 54.8% 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 Capitea and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capitea's current Return-on-Tangible-Equity is 3.17%, which is 95% below median its own 10-year median of 61.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capitea stock overvalued right now?
Based on GuruFocus' analysis, Capitea (WAR:CAP) is currently considered Modestly Undervalued. The stock's GF Value™ is zł0.47, compared to a current price of zł0.43 — trading 9.6% below its estimated fair value. The current Return-on-Tangible-Equity is 3.17%, which is 95% below median its 10-year median of 61.46 and 54.8% below the Credit Services industry median of 7.01. Capitea's overall GF Score™ is 59/100 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 Capitea (WAR:CAP), the current Return-on-Tangible-Equity is 3.17% 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 Capitea (WAR:CAP) Overvalued in 2026?
Based on GuruFocus' analysis, Capitea stock appears to be undervalued.
The current stock price of zł0.43 is trading 9.6% below its estimated GF Value™ of zł0.47.
GuruFocus considers Capitea to be Modestly Undervalued.
Key valuation signals for WAR:CAP:
Return-on-Tangible-Equity: 3.17% (95% below median its 10-year median of 61.46)
GF Value™: zł0.47 vs. price of zł0.43 (9.6% below fair value)
Industry Position: 54.8% below the Credit Services median (#301 of 525)
No single metric tells the full story. See the WAR:CAP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Capitea SA, formerly Getback Spolka Akcyjna is an account receivable manager engaged in the recovery of acquired debts and management of debt portfolios in securitization funds, including restructuring and recovery of acquired debts.
59GF Score
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