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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. Vseobecna Uverova Banka's annualized net income for the quarter that ended in Jun. 2026 was €340.0 Mil. Vseobecna Uverova Banka's average shareholder tangible equity for the quarter that ended in Jun. 2026 was €2,218.9 Mil. Therefore, Vseobecna Uverova Banka's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 15.32%.
The historical rank and industry rank for Vseobecna Uverova Banka's Return-on-Tangible-Equity or its related term are showing as below:
XBRA:1VUB02AE'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.48 Med: 10.89 Max: 14.76
Current: 13.1
During the past 13 years, Vseobecna Uverova Banka's highest Return-on-Tangible-Equity was 14.76%. The lowest was 5.48%. And the median was 10.89%.
XBRA:1VUB02AE's Return-on-Tangible-Equity is not ranked
in the Banks industry.
Industry Median: 11.475
vs XBRA:1VUB02AE: 13.10
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.
Vseobecna Uverova Banka Return-on-Tangible-Equity Related Terms
Vseobecna Uverova Banka Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Vseobecna Uverova Banka'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.
XBRA:1VUB02AE vs USB, TFC, PNC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Vseobecna Uverova Banka'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.
Vseobecna Uverova Banka Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Vseobecna Uverova Banka's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Vseobecna Uverova Banka'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 (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 15.32% mean?
Vseobecna Uverova Banka (XBRA:1VUB02AE) has a Return-on-Tangible-Equity of 15.32% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Vseobecna Uverova Banka and its competitors. This is 41% above median its historical median of 10.89. Over the past decade, Vseobecna Uverova Banka's Return-on-Tangible-Equity has ranged from 5.48 to 14.76.
Is Vseobecna Uverova Banka's Return-on-Tangible-Equity too high?
Vseobecna Uverova Banka's current Return-on-Tangible-Equity of 15.32% is 41% above median its 10-year median of 10.89. Over the past 10 years, this metric has ranged from a low of 5.48 to a high of 14.76. The Banks industry median Return-on-Tangible-Equity is 11.48. Vseobecna Uverova Banka's value of 15.32% is 33.5% above this industry median. Overall, Vseobecna Uverova Banka has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Vseobecna Uverova Banka's Return-on-Tangible-Equity compare to USB and TFC?
Vseobecna Uverova Banka's Return-on-Tangible-Equity of 15.32% can be compared against companies in the Banks industry. The industry median Return-on-Tangible-Equity is 11.48. Vseobecna Uverova Banka's value of 15.32% is 33.5% above this benchmark. Historically, Vseobecna Uverova Banka's own Return-on-Tangible-Equity has ranged from 5.48 to 14.76 over the past decade. While the company's 10-year median is 10.89 vs. the industry median of 11.48, Vseobecna Uverova Banka has consistently been above 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 11.48, based on 1,518 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. Vseobecna Uverova Banka's current Return-on-Tangible-Equity of 15.32% is 33.5% 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 Vseobecna Uverova Banka and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vseobecna Uverova Banka's current Return-on-Tangible-Equity is 15.32%, which is 41% above median its own 10-year median of 10.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vseobecna Uverova Banka stock overvalued right now?
Vseobecna Uverova Banka (XBRA:1VUB02AE) has a current Return-on-Tangible-Equity of 15.32%. The stock's GF Value™ is €134.77, compared to a current price of €157.00 — trading 16.5% above its estimated fair value. The current Return-on-Tangible-Equity is 15.32%, which is 41% above median its 10-year median of 10.89 and 33.5% above the Banks industry median of 11.48. Vseobecna Uverova Banka's overall GF Score™ is 8/100 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 Vseobecna Uverova Banka (XBRA:1VUB02AE), the current Return-on-Tangible-Equity is 15.32% as of Jun. 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 Vseobecna Uverova Banka (XBRA:1VUB02AE) Overvalued in 2026?
Based on GuruFocus' analysis, Vseobecna Uverova Banka stock appears to be overvalued.
The current stock price of €157.00 is trading 16.5% above its estimated GF Value™ of €134.77.
Key valuation signals for XBRA:1VUB02AE:
Return-on-Tangible-Equity: 15.32% (41% above median its 10-year median of 10.89)
GF Value™: €134.77 vs. price of €157.00 (16.5% above fair value)
No single metric tells the full story. See the XBRA:1VUB02AE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vseobecna Uverova Banka is a Slovakia based company. The company provides retail and commercial banking services. The company operates three segments: Retail banking; Corporate Banking; Central Treasury. The company provides Loans, Cards, Insurance, saving, and insurance services.
8GF Score
Get the complete analysis for XBRA:1VUB02AE
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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