Standard Chartered Bank GhanaXGHA:SCB 71 Return-on-Tangible-Equity is 24.04% as of Mar. 2026, which is 28% below its 10-year median of 33.52. GuruFocus rates XGHA:SCB with a GF Score™ of 71/100 and a GF Value™ of GHS34.82 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,523 Banks companies, Standard Chartered Bank Ghana ranks better than 96.52% 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. Standard Chartered Bank Ghana's annualized net income for the quarter that ended in Mar. 2026 was GHS701 Mil. Standard Chartered Bank Ghana's average shareholder tangible equity for the quarter that ended in Mar. 2026 was GHS2,918 Mil. Therefore, Standard Chartered Bank Ghana's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 24.04%.
The historical rank and industry rank for Standard Chartered Bank Ghana's Return-on-Tangible-Equity or its related term are showing as below:
XGHA:SCB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -20.04 Med: 33.52 Max: 51.7
Current: 30.86
During the past 13 years, Standard Chartered Bank Ghana's highest Return-on-Tangible-Equity was 51.70%. The lowest was -20.04%. And the median was 33.52%.
XGHA:SCB's Return-on-Tangible-Equity is ranked better than 96.52% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs XGHA:SCB: 30.86
Standard Chartered Bank Ghana (XGHA:SCB) 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.
Standard Chartered Bank Ghana Return-on-Tangible-Equity Related Terms
Standard Chartered Bank Ghana Return-on-Tangible-Equity Historical Data
* 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.
Standard Chartered Bank Ghana Return-on-Tangible-Equity Chart
XGHA:SCB vs PNC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Standard Chartered Bank Ghana'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.
Standard Chartered Bank Ghana Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Standard Chartered Bank Ghana's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Standard Chartered Bank Ghana'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 24.04% mean?
Standard Chartered Bank Ghana (XGHA:SCB) has a Return-on-Tangible-Equity of 24.04% 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 Standard Chartered Bank Ghana and its competitors. This is 28% below median its historical median of 33.52. According to the industry distribution chart, Standard Chartered Bank Ghana ranks #53 out of 1523 companies in the Banks industry, placing it in the top 3.5%.
Is Standard Chartered Bank Ghana's Return-on-Tangible-Equity too high?
Standard Chartered Bank Ghana's current Return-on-Tangible-Equity of 24.04% is 28% below median its 10-year median of 33.52. The Banks industry median Return-on-Tangible-Equity is 11.20. Standard Chartered Bank Ghana's value of 24.04% is 114.6% above this industry median. Based on the distribution chart, Standard Chartered Bank Ghana ranks #53 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Standard Chartered Bank Ghana has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Chartered Bank Ghana's Return-on-Tangible-Equity compare to PNC?
According to the Banks industry distribution chart, Standard Chartered Bank Ghana ranks #53 out of 1523 companies for Return-on-Tangible-Equity. This places Standard Chartered Bank Ghana in the top 4% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. Standard Chartered Bank Ghana's value of 24.04% is 114.6% above this benchmark. While the company's 10-year median is 33.52 vs. the industry median of 11.20, Standard Chartered Bank Ghana 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 11.20, based on 1,523 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. Standard Chartered Bank Ghana's current Return-on-Tangible-Equity of 24.04% is 114.6% 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 Standard Chartered Bank Ghana and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Chartered Bank Ghana's current Return-on-Tangible-Equity is 24.04%, which is 28% below median its own 10-year median of 33.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Chartered Bank Ghana stock overvalued right now?
Based on GuruFocus' analysis, Standard Chartered Bank Ghana (XGHA:SCB) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS34.82, compared to a current price of GHS71.00 — trading 103.9% above its estimated fair value. The current Return-on-Tangible-Equity is 24.04%, which is 28% below median its 10-year median of 33.52 and 114.6% above the Banks industry median of 11.20. Standard Chartered Bank Ghana's overall GF Score™ is 71/100 with 1 warning sign 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 Standard Chartered Bank Ghana (XGHA:SCB), the current Return-on-Tangible-Equity is 24.04% 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 Standard Chartered Bank Ghana (XGHA:SCB) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Chartered Bank Ghana stock appears to be overvalued.
The current stock price of GHS71.00 is trading 103.9% above its estimated GF Value™ of GHS34.82.
GuruFocus considers Standard Chartered Bank Ghana to be Significantly Overvalued.
Key valuation signals for XGHA:SCB:
Return-on-Tangible-Equity: 24.04% (28% below median its 10-year median of 33.52)
GF Value™: GHS34.82 vs. price of GHS71.00 (103.9% above fair value)
Industry Position: 114.6% above the Banks median (#53 of 1523)
No single metric tells the full story. See the XGHA:SCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Standard Chartered Bank Ghana Business Description
Standard Chartered Bank Ghana PLC is a banking corporation registered in Ghana. It provides various banking services including personal banking, private banking, and business banking. The company manages its business into three segments namely, Corporate & Investment Banking, Wealth & Retail Banking, Ventures and Central & Other Items. The company's services include savings, loans, mortgages, credit cards, insurance, and investment opportunities for individual customers. It focuses on offering financial solutions to small-medium enterprises, corporates, and financial institutions. Geographically, it operates in Hong Kong, Korea, China, Singapore, UK, and U.S.
71GF Score
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