PBS FinanseWAR:PBF 76 Return-on-Tangible-Equity is -6.33% as of Mar. 2026. GuruFocus rates WAR:PBF with a GF Score™ of 76/100 and a GF Value™ of zł1.36 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 524 Credit Services companies, PBS Finanse ranks worse than 73.66% 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. PBS Finanse's annualized net income for the quarter that ended in Mar. 2026 was zł-0.56 Mil. PBS Finanse's average shareholder tangible equity for the quarter that ended in Mar. 2026 was zł8.84 Mil. Therefore, PBS Finanse's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was -6.33%.
The historical rank and industry rank for PBS Finanse's Return-on-Tangible-Equity or its related term are showing as below:
WAR:PBF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -56.89 Med: -9.04 Max: 3.17
Current: 1.04
During the past 13 years, PBS Finanse's highest Return-on-Tangible-Equity was 3.17%. The lowest was -56.89%. And the median was -9.04%.
WAR:PBF's Return-on-Tangible-Equity is ranked worse than 73.66% of 524
companies
in the Credit Services industry
Industry Median: 7.055
vs WAR:PBF: 1.04
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.
PBS Finanse Return-on-Tangible-Equity Related Terms
PBS Finanse Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for PBS Finanse'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:PBF vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, PBS Finanse'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.
PBS Finanse Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PBS Finanse's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PBS Finanse'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 -6.33% mean?
PBS Finanse (WAR:PBF) has a Return-on-Tangible-Equity of -6.33% 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 PBS Finanse and its competitors. According to the industry distribution chart, PBS Finanse ranks #386 out of 524 companies in the Credit Services industry, placing it in the top 73.7%.
Is PBS Finanse's Return-on-Tangible-Equity too high?
PBS Finanse's current Return-on-Tangible-Equity is -6.33%. Based on the distribution chart, PBS Finanse ranks #386 out of 524 companies in the Credit Services industry, which is below the industry midpoint. Overall, PBS Finanse has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PBS Finanse's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, PBS Finanse ranks #386 out of 524 companies for Return-on-Tangible-Equity. This places PBS Finanse in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.06. 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 7.06, based on 524 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 PBS Finanse and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PBS Finanse's current Return-on-Tangible-Equity is -6.33%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PBS Finanse stock overvalued right now?
Based on GuruFocus' analysis, PBS Finanse (WAR:PBF) is currently considered Modestly Undervalued. The stock's GF Value™ is zł1.36, compared to a current price of zł1.15 — trading 15.4% below its estimated fair value. The current Return-on-Tangible-Equity is -6.33%. PBS Finanse's overall GF Score™ is 76/100 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 PBS Finanse (WAR:PBF), the current Return-on-Tangible-Equity is -6.33% 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 PBS Finanse (WAR:PBF) Overvalued in 2026?
Based on GuruFocus' analysis, PBS Finanse stock appears to be undervalued.
The current stock price of zł1.15 is trading 15.4% below its estimated GF Value™ of zł1.36.
GuruFocus considers PBS Finanse to be Modestly Undervalued.
Key valuation signals for WAR:PBF:
Return-on-Tangible-Equity: -6.33%
GF Value™: zł1.36 vs. price of zł1.15 (15.4% below fair value)
No single metric tells the full story. See the WAR:PBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PBS Finanse SA is a financial service provider to individuals and corporate customers. The company focuses on three areas namely credit intermediation, fast loan, and financial leasing. It also provides services in factoring, insurance, loan, and debt collection sector as well as operations related to software and consultancy in the field of Computer Science and related activities.
76GF Score
Get the complete analysis for WAR:PBF
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
WAR:PBF has been successfully added to your 
