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Sterling InvestmentsXJAM:SIL -5.76%67 Return-on-Tangible-Equity is 3.97% as of Mar. 2026, which is 48% below its 10-year median of 7.61. GuruFocus rates XJAM:SIL with a GF Score™ of 67/100 and a GF Value™ of JMD2.59 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 782 Capital Markets companies, Sterling Investments ranks worse than 54.48% 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. Sterling Investments's annualized net income for the quarter that ended in Mar. 2026 was JMD64.3 Mil. Sterling Investments's average shareholder tangible equity for the quarter that ended in Mar. 2026 was JMD1,622.0 Mil. Therefore, Sterling Investments's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 3.97%.
The historical rank and industry rank for Sterling Investments's Return-on-Tangible-Equity or its related term are showing as below:
XJAM:SIL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.01 Med: 7.61 Max: 11
Current: 5.35
During the past 13 years, Sterling Investments's highest Return-on-Tangible-Equity was 11.00%. The lowest was 3.01%. And the median was 7.61%.
XJAM:SIL's Return-on-Tangible-Equity is ranked worse than 54.48% of 782
companies
in the Capital Markets industry
Industry Median: 6.52
vs XJAM:SIL: 5.35
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.
Sterling Investments Return-on-Tangible-Equity Related Terms
Sterling Investments Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Sterling Investments'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.
XJAM:SIL vs MS, GS, SCHW: Return-on-Tangible-Equity Comparison
For the Capital Markets subindustry, Sterling Investments'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.
Sterling Investments Return-on-Tangible-Equity vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Sterling Investments's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Sterling Investments'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 3.97% mean?
Sterling Investments (XJAM:SIL) has a Return-on-Tangible-Equity of 3.97% 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 Sterling Investments and its competitors. This is 48% below median its historical median of 7.61. Over the past decade, Sterling Investments' Return-on-Tangible-Equity has ranged from 3.01 to 11.00. According to the industry distribution chart, Sterling Investments ranks #426 out of 782 companies in the Capital Markets industry, placing it in the top 54.5%.
Is Sterling Investments' Return-on-Tangible-Equity too high?
Sterling Investments' current Return-on-Tangible-Equity of 3.97% is 48% below median its 10-year median of 7.61. Over the past 10 years, this metric has ranged from a low of 3.01 to a high of 11.00. The Capital Markets industry median Return-on-Tangible-Equity is 6.52. Sterling Investments' value of 3.97% is 39.1% below this industry median. Based on the distribution chart, Sterling Investments ranks #426 out of 782 companies in the Capital Markets industry, which is below the industry midpoint. Overall, Sterling Investments has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sterling Investments' Return-on-Tangible-Equity compare to MS and GS?
According to the Capital Markets industry distribution chart, Sterling Investments ranks #426 out of 782 companies for Return-on-Tangible-Equity. This places Sterling Investments in the lower half of its industry. The industry median Return-on-Tangible-Equity is 6.52. Sterling Investments' value of 3.97% is 39.1% below this benchmark. Historically, Sterling Investments' own Return-on-Tangible-Equity has ranged from 3.01 to 11.00 over the past decade. While the company's 10-year median is 7.61 vs. the industry median of 6.52, Sterling Investments 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 Capital Markets company?
The median Return-on-Tangible-Equity among Capital Markets companies is 6.52, based on 782 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. Sterling Investments's current Return-on-Tangible-Equity of 3.97% is 39.1% 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 Sterling Investments and its competitors. For the Capital Markets industry, the median Return-on-Tangible-Equity is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sterling Investments's current Return-on-Tangible-Equity is 3.97%, which is 48% below median its own 10-year median of 7.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sterling Investments stock overvalued right now?
Based on GuruFocus' analysis, Sterling Investments (XJAM:SIL) is currently considered Modestly Overvalued. The stock's GF Value™ is JMD2.59, compared to a current price of JMD3.11 — trading 20.1% above its estimated fair value. The current Return-on-Tangible-Equity is 3.97%, which is 48% below median its 10-year median of 7.61 and 39.1% below the Capital Markets industry median of 6.52. Sterling Investments' overall GF Score™ is 67/100 with 6 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 Sterling Investments (XJAM:SIL), the current Return-on-Tangible-Equity is 3.97% 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 Sterling Investments (XJAM:SIL) Overvalued in 2026?
Based on GuruFocus' analysis, Sterling Investments stock appears to be overvalued.
The current stock price of JMD3.11 is trading 20.1% above its estimated GF Value™ of JMD2.59.
GuruFocus considers Sterling Investments to be Modestly Overvalued.
Key valuation signals for XJAM:SIL:
Return-on-Tangible-Equity: 3.97% (48% below median its 10-year median of 7.61)
GF Value™: JMD2.59 vs. price of JMD3.11 (20.1% above fair value)
Industry Position: 39.1% below the Capital Markets median (#426 of 782)
No single metric tells the full story. See the XJAM:SIL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sterling Investments Ltd is an investment holding company. It invests in an array of high-quality fixed-income securities denominated in United States dollars. It generates income through interest income earned on the securities in the portfolio and through capital gains as a result of an increase in the price of the securities. The company focused on generating higher risk-adjusted returns through the active purchase and sale of financial instruments in the international capital markets. The company invests mainly in hard currencies and in developed markets to provide local and regional institutional and retail investors with sustainable growth and diversification.
67GF Score
Get the complete analysis for XJAM:SIL
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