Grupo PrivalXPTY:GPRI 65 Return-on-Tangible-Equity is 4.58% as of Mar. 2026, which is 54% below its 10-year median of 10.05. GuruFocus rates XPTY:GPRI with a GF Score™ of 65/100 and a GF Value™ of $50.42 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,522 Banks companies, Grupo Prival ranks better than 70.63% 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. Grupo Prival's annualized net income for the quarter that ended in Mar. 2026 was $2.07 Mil. Grupo Prival's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $45.12 Mil. Therefore, Grupo Prival's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 4.58%.
The historical rank and industry rank for Grupo Prival's Return-on-Tangible-Equity or its related term are showing as below:
XPTY:GPRI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.51 Med: 10.05 Max: 14.27
Current: 14.27
During the past 7 years, Grupo Prival's highest Return-on-Tangible-Equity was 14.27%. The lowest was 5.51%. And the median was 10.05%.
XPTY:GPRI's Return-on-Tangible-Equity is ranked better than 70.63% of 1522
companies
in the Banks industry
Industry Median: 11.19
vs XPTY:GPRI: 14.27
Grupo Prival (XPTY:GPRI) 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.
Grupo Prival Return-on-Tangible-Equity Related Terms
Grupo Prival Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Grupo Prival'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.
XPTY:GPRI vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Grupo Prival'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.
Grupo Prival Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Grupo Prival's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Grupo Prival'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 4.58% mean?
Grupo Prival (XPTY:GPRI) has a Return-on-Tangible-Equity of 4.58% 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 Grupo Prival and its competitors. This is 54% below median its historical median of 10.05. Over the past decade, Grupo Prival's Return-on-Tangible-Equity has ranged from 5.51 to 14.27. According to the industry distribution chart, Grupo Prival ranks #447 out of 1522 companies in the Banks industry, placing it in the top 29.4%.
Is Grupo Prival's Return-on-Tangible-Equity too high?
Grupo Prival's current Return-on-Tangible-Equity of 4.58% is 54% below median its 10-year median of 10.05. Over the past 10 years, this metric has ranged from a low of 5.51 to a high of 14.27. The Banks industry median Return-on-Tangible-Equity is 11.19. Grupo Prival's value of 4.58% is 59.1% below this industry median. Based on the distribution chart, Grupo Prival ranks #447 out of 1522 companies in the Banks industry, which is above the industry midpoint. Overall, Grupo Prival has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Grupo Prival's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Grupo Prival ranks #447 out of 1522 companies for Return-on-Tangible-Equity. This puts Grupo Prival in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Grupo Prival's value of 4.58% is 59.1% below this benchmark. Historically, Grupo Prival's own Return-on-Tangible-Equity has ranged from 5.51 to 14.27 over the past decade. While the company's 10-year median is 10.05 vs. the industry median of 11.19, Grupo Prival 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 Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,522 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. Grupo Prival's current Return-on-Tangible-Equity of 4.58% is 59.1% 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 Grupo Prival and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grupo Prival's current Return-on-Tangible-Equity is 4.58%, which is 54% below median its own 10-year median of 10.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Grupo Prival stock overvalued right now?
Based on GuruFocus' analysis, Grupo Prival (XPTY:GPRI) is currently considered Fairly Valued. The stock's GF Value™ is $50.42, compared to a current price of $50.00 — trading 0.8% below its estimated fair value. The current Return-on-Tangible-Equity is 4.58%, which is 54% below median its 10-year median of 10.05 and 59.1% below the Banks industry median of 11.19. Grupo Prival's overall GF Score™ is 65/100 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 Grupo Prival (XPTY:GPRI), the current Return-on-Tangible-Equity is 4.58% 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 Grupo Prival (XPTY:GPRI) Overvalued in 2026?
Based on GuruFocus' analysis, Grupo Prival stock appears to be undervalued.
The current stock price of $50.00 is trading 0.8% below its estimated GF Value™ of $50.42.
GuruFocus considers Grupo Prival to be Fairly Valued.
Key valuation signals for XPTY:GPRI:
Return-on-Tangible-Equity: 4.58% (54% below median its 10-year median of 10.05)
GF Value™: $50.42 vs. price of $50.00 (0.8% below fair value)
Industry Position: 59.1% below the Banks median (#447 of 1522)
No single metric tells the full story. See the XPTY:GPRI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Grupo Prival SA through its subsidiaries provides banking and financial services in Panama. The company offers deposits, savings accounts, credit, and debit cards. It also provides mortgage, auto, personal, commercial, and secured loan among other services.
65GF Score
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