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ELANA Agrocredit AD SofiaXBUL:EAC +0.94%31 Return-on-Tangible-Equity is 6.51% as of Jun. 2026, which is 2% below its 10-year median of 6.65. GuruFocus rates XBUL:EAC with a GF Score™ of 31/100 and a GF Value™ of €0.64 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 528 Credit Services companies, ELANA Agrocredit AD Sofia ranks worse than 52.84% 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. ELANA Agrocredit AD Sofia's annualized net income for the quarter that ended in Jun. 2026 was €1.82 Mil. ELANA Agrocredit AD Sofia's average shareholder tangible equity for the quarter that ended in Jun. 2026 was €27.90 Mil. Therefore, ELANA Agrocredit AD Sofia's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 6.51%.
The historical rank and industry rank for ELANA Agrocredit AD Sofia's Return-on-Tangible-Equity or its related term are showing as below:
XBUL:EAC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.9 Med: 6.65 Max: 8.52
Current: 6.48
During the past 13 years, ELANA Agrocredit AD Sofia's highest Return-on-Tangible-Equity was 8.52%. The lowest was 5.90%. And the median was 6.65%.
XBUL:EAC's Return-on-Tangible-Equity is ranked worse than 52.84% of 528
companies
in the Credit Services industry
Industry Median: 7.27
vs XBUL:EAC: 6.48
ELANA Agrocredit AD Sofia (XBUL:EAC) 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.
ELANA Agrocredit AD Sofia Return-on-Tangible-Equity Related Terms
ELANA Agrocredit AD Sofia Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for ELANA Agrocredit AD Sofia'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.
ELANA Agrocredit AD Sofia Return-on-Tangible-Equity Chart
XBUL:EAC vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, ELANA Agrocredit AD Sofia'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.
ELANA Agrocredit AD Sofia Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ELANA Agrocredit AD Sofia's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where ELANA Agrocredit AD Sofia'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 (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 6.51% mean?
ELANA Agrocredit AD Sofia (XBUL:EAC) has a Return-on-Tangible-Equity of 6.51% 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 ELANA Agrocredit AD Sofia and its competitors. This is near median its historical median of 6.65. Over the past decade, ELANA Agrocredit AD Sofia's Return-on-Tangible-Equity has ranged from 5.90 to 8.52. According to the industry distribution chart, ELANA Agrocredit AD Sofia ranks #279 out of 528 companies in the Credit Services industry, placing it in the top 52.8%.
Is ELANA Agrocredit AD Sofia's Return-on-Tangible-Equity too high?
ELANA Agrocredit AD Sofia's current Return-on-Tangible-Equity of 6.51% is near median its 10-year median of 6.65. Over the past 10 years, this metric has ranged from a low of 5.90 to a high of 8.52. The Credit Services industry median Return-on-Tangible-Equity is 7.27. ELANA Agrocredit AD Sofia's value of 6.51% is 10.5% below this industry median. Based on the distribution chart, ELANA Agrocredit AD Sofia ranks #279 out of 528 companies in the Credit Services industry, which is below the industry midpoint. Overall, ELANA Agrocredit AD Sofia has a GF Score™ of 31/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ELANA Agrocredit AD Sofia's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, ELANA Agrocredit AD Sofia ranks #279 out of 528 companies for Return-on-Tangible-Equity. This places ELANA Agrocredit AD Sofia in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.27. ELANA Agrocredit AD Sofia's value of 6.51% is 10.5% below this benchmark. Historically, ELANA Agrocredit AD Sofia's own Return-on-Tangible-Equity has ranged from 5.90 to 8.52 over the past decade. While the company's 10-year median is 6.65 vs. the industry median of 7.27, ELANA Agrocredit AD Sofia 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 7.27, based on 528 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. ELANA Agrocredit AD Sofia's current Return-on-Tangible-Equity of 6.51% is 10.5% 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 ELANA Agrocredit AD Sofia and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ELANA Agrocredit AD Sofia's current Return-on-Tangible-Equity is 6.51%, which is near median its own 10-year median of 6.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ELANA Agrocredit AD Sofia stock overvalued right now?
Based on GuruFocus' analysis, ELANA Agrocredit AD Sofia (XBUL:EAC) is currently considered Modestly Undervalued. The stock's GF Value™ is €0.64, compared to a current price of €0.54 — trading 16.4% below its estimated fair value. The current Return-on-Tangible-Equity is 6.51%, which is near median its 10-year median of 6.65 and 10.5% below the Credit Services industry median of 7.27. ELANA Agrocredit AD Sofia's overall GF Score™ is 31/100 with 9 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 ELANA Agrocredit AD Sofia (XBUL:EAC), the current Return-on-Tangible-Equity is 6.51% 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 ELANA Agrocredit AD Sofia (XBUL:EAC) Overvalued in 2026?
Based on GuruFocus' analysis, ELANA Agrocredit AD Sofia stock appears to be undervalued.
The current stock price of €0.54 is trading 16.4% below its estimated GF Value™ of €0.64.
GuruFocus considers ELANA Agrocredit AD Sofia to be Modestly Undervalued.
Key valuation signals for XBUL:EAC:
Return-on-Tangible-Equity: 6.51% (near median its 10-year median of 6.65)
GF Value™: €0.64 vs. price of €0.54 (16.4% below fair value)
Industry Position: 10.5% below the Credit Services median (#279 of 528)
No single metric tells the full story. See the XBUL:EAC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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