Fintel Energija a.dXBEL:FINT 82 Return-on-Tangible-Equity is 4.36% as of Dec. 2025, which is 73% below its 10-year median of 16.37. GuruFocus rates XBEL:FINT with a GF Score™ of 82/100 and a GF Value™ of RSD699.19 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 426 Utilities - Independent Power Producers companies, Fintel Energija a.d ranks worse than 63.85% 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. Fintel Energija a.d's annualized net income for the quarter that ended in Dec. 2025 was RSD116.11 Mil. Fintel Energija a.d's average shareholder tangible equity for the quarter that ended in Dec. 2025 was RSD2,660.87 Mil. Therefore, Fintel Energija a.d's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 4.36%.
The historical rank and industry rank for Fintel Energija a.d's Return-on-Tangible-Equity or its related term are showing as below:
XBEL:FINT'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -4.86 Med: 16.37 Max: 63.38
Current: 1.04
During the past 9 years, Fintel Energija a.d's highest Return-on-Tangible-Equity was 63.38%. The lowest was -4.86%. And the median was 16.37%.
XBEL:FINT's Return-on-Tangible-Equity is ranked worse than 63.85% of 426
companies
in the Utilities - Independent Power Producers industry
Industry Median: 4.695
vs XBEL:FINT: 1.04
Fintel Energija a.d (XBEL:FINT) 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.
Fintel Energija a.d Return-on-Tangible-Equity Related Terms
Fintel Energija a.d Return-on-Tangible-Equity Historical Data
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The historical data trend for Fintel Energija a.d'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.
Fintel Energija a.d Return-on-Tangible-Equity Chart
Fintel Energija a.d Return-on-Tangible-Equity Competitor Comparison
For the Utilities - Renewable subindustry, Fintel Energija a.d'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.
Fintel Energija a.d Return-on-Tangible-Equity vs Utilities - Independent Power Producers Industry
For the Utilities - Independent Power Producers industry and Utilities sector, Fintel Energija a.d's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Fintel Energija a.d'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 (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 4.36% mean?
Fintel Energija a.d (XBEL:FINT) has a Return-on-Tangible-Equity of 4.36% 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 Fintel Energija a.d and its competitors. This is 73% below median its historical median of 16.37. According to the industry distribution chart, Fintel Energija a.d ranks #272 out of 426 companies in the Utilities - Independent Power Producers industry, placing it in the top 63.8%.
Is Fintel Energija a.d's Return-on-Tangible-Equity too high?
Fintel Energija a.d's current Return-on-Tangible-Equity of 4.36% is 73% below median its 10-year median of 16.37. The Utilities - Independent Power Producers industry median Return-on-Tangible-Equity is 4.70. Fintel Energija a.d's value of 4.36% is 7.1% below this industry median. Based on the distribution chart, Fintel Energija a.d ranks #272 out of 426 companies in the Utilities - Independent Power Producers industry, which is below the industry midpoint. Overall, Fintel Energija a.d has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Fintel Energija a.d's Return-on-Tangible-Equity compare to competitors?
According to the Utilities - Independent Power Producers industry distribution chart, Fintel Energija a.d ranks #272 out of 426 companies for Return-on-Tangible-Equity. This places Fintel Energija a.d in the lower half of its industry. The industry median Return-on-Tangible-Equity is 4.70. Fintel Energija a.d's value of 4.36% is 7.1% below this benchmark. While the company's 10-year median is 16.37 vs. the industry median of 4.70, Fintel Energija a.d 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 an Utilities - Independent Power Producers company?
The median Return-on-Tangible-Equity among Utilities - Independent Power Producers companies is 4.70, based on 426 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. Fintel Energija a.d's current Return-on-Tangible-Equity of 4.36% is 7.1% 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 Fintel Energija a.d and its competitors. For the Utilities - Independent Power Producers industry, the median Return-on-Tangible-Equity is 4.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fintel Energija a.d's current Return-on-Tangible-Equity is 4.36%, which is 73% below median its own 10-year median of 16.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fintel Energija a.d stock overvalued right now?
Based on GuruFocus' analysis, Fintel Energija a.d (XBEL:FINT) is currently considered Modestly Undervalued. The stock's GF Value™ is RSD699.19, compared to a current price of RSD600.00 — trading 14.2% below its estimated fair value. The current Return-on-Tangible-Equity is 4.36%, which is 73% below median its 10-year median of 16.37 and 7.1% below the Utilities - Independent Power Producers industry median of 4.70. Fintel Energija a.d's overall GF Score™ is 82/100 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 Fintel Energija a.d (XBEL:FINT), the current Return-on-Tangible-Equity is 4.36% 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 Fintel Energija a.d (XBEL:FINT) Overvalued in 2026?
Based on GuruFocus' analysis, Fintel Energija a.d stock appears to be undervalued.
The current stock price of RSD600.00 is trading 14.2% below its estimated GF Value™ of RSD699.19.
GuruFocus considers Fintel Energija a.d to be Modestly Undervalued.
Key valuation signals for XBEL:FINT:
Return-on-Tangible-Equity: 4.36% (73% below median its 10-year median of 16.37)
GF Value™: RSD699.19 vs. price of RSD600.00 (14.2% below fair value)
Industry Position: 7.1% below the Utilities - Independent Power Producers median (#272 of 426)
No single metric tells the full story. See the XBEL:FINT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fintel Energija a.d is involved in the generation of power business which is sold only to EPS through wind power generation technology. It operates only one operating segment wind renewable energy sector. Currently, the company is engaged in the development, construction, and management of a wind power plant portfolio consisting of new wind farms in the north and northeast of Serbia.
82GF Score
Get the complete analysis for XBEL:FINT
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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