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Libra Insurance CoXTAE:LBRA -1.06%37 Return-on-Tangible-Equity is 50.77% as of Dec. 2025, which is 24% below its 10-year median of 67.19. GuruFocus rates XTAE:LBRA with a GF Score™ of 37/100. The stock has 4 warning signs investors should review. Among 496 Insurance companies, Libra Insurance Co ranks better than 93.55% 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. Libra Insurance Co's annualized net income for the quarter that ended in Dec. 2025 was ₪85.2 Mil. Libra Insurance Co's average shareholder tangible equity for the quarter that ended in Dec. 2025 was ₪130.7 Mil. Therefore, Libra Insurance Co's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 65.20%.
The historical rank and industry rank for Libra Insurance Co's Return-on-Tangible-Equity or its related term are showing as below:
XTAE:LBRA'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 65.2 Med: 67.19 Max: 69.17
Current: 65.2
During the past 3 years, Libra Insurance Co's highest Return-on-Tangible-Equity was 69.17%. The lowest was 65.20%. And the median was 67.19%.
XTAE:LBRA's Return-on-Tangible-Equity is ranked better than 93.55% of 496
companies
in the Insurance industry
Industry Median: 13.505
vs XTAE:LBRA: 65.20
Libra Insurance Co (XTAE:LBRA) 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.
Libra Insurance Co Return-on-Tangible-Equity Related Terms
Libra Insurance Co Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Libra Insurance Co'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.
Libra Insurance Co Return-on-Tangible-Equity Chart
Libra Insurance Co Annual Data
Trend
Dec23
Dec24
Dec25
Return-on-Tangible-Equity
0.00
69.17
65.20
Libra Insurance Co Semi-Annual Data
Dec23
Dec24
Dec25
Return-on-Tangible-Equity
0.00
69.17
50.77
XTAE:LBRA vs CB, PGR, TRV: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, Libra Insurance Co'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.
Libra Insurance Co Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Libra Insurance Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Libra Insurance Co'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 one times the annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 50.77% mean?
Libra Insurance Co (XTAE:LBRA) has a Return-on-Tangible-Equity of 50.77% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Libra Insurance Co and its competitors. This is 24% below median its historical median of 67.19. Over the past decade, Libra Insurance Co's Return-on-Tangible-Equity has ranged from 65.20 to 69.17. According to the industry distribution chart, Libra Insurance Co ranks #32 out of 496 companies in the Insurance industry, placing it in the top 6.5%.
Is Libra Insurance Co's Return-on-Tangible-Equity too high?
Libra Insurance Co's current Return-on-Tangible-Equity of 50.77% is 24% below median its 10-year median of 67.19. Over the past 10 years, this metric has ranged from a low of 65.20 to a high of 69.17. The Insurance industry median Return-on-Tangible-Equity is 13.51. Libra Insurance Co's value of 50.77% is 275.9% above this industry median. Based on the distribution chart, Libra Insurance Co ranks #32 out of 496 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Libra Insurance Co has a GF Score™ of 37/100, reflecting its overall financial health beyond just this single metric.
How does Libra Insurance Co's Return-on-Tangible-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, Libra Insurance Co ranks #32 out of 496 companies for Return-on-Tangible-Equity. This places Libra Insurance Co in the top 7% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 13.51. Libra Insurance Co's value of 50.77% is 275.9% above this benchmark. Historically, Libra Insurance Co's own Return-on-Tangible-Equity has ranged from 65.20 to 69.17 over the past decade. While the company's 10-year median is 67.19 vs. the industry median of 13.51, Libra Insurance Co 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 an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.51, based on 496 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. Libra Insurance Co's current Return-on-Tangible-Equity of 50.77% is 275.9% 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 Libra Insurance Co and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Libra Insurance Co's current Return-on-Tangible-Equity is 50.77%, which is 24% below median its own 10-year median of 67.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Libra Insurance Co stock overvalued right now?
Libra Insurance Co (XTAE:LBRA) has a current Return-on-Tangible-Equity of 50.77%. The current Return-on-Tangible-Equity is 50.77%, which is 24% below median its 10-year median of 67.19 and 275.9% above the Insurance industry median of 13.51. Libra Insurance Co's overall GF Score™ is 37/100 with 4 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 Libra Insurance Co (XTAE:LBRA), the current Return-on-Tangible-Equity is 50.77% as of Dec. 2025. 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.
Libra Insurance Co Ltd is engaged in the insurance and finance industry. The company markets compulsory car insurance, car property insurance, home insurance, business insurance, taxi insurance, and travel insurance abroad.
37GF Score
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