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Nawi GroupXTAE:NAWI -3.21%74 Return-on-Tangible-Equity is 17.89% as of Mar. 2026, which is 0% below its 10-year median of 17.95. GuruFocus rates XTAE:NAWI with a GF Score™ of 74/100 and a GF Value™ of ₪49.44 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 527 Credit Services companies, Nawi Group ranks better than 88.05% 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. Nawi Group's annualized net income for the quarter that ended in Mar. 2026 was ₪185.3 Mil. Nawi Group's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₪1,035.8 Mil. Therefore, Nawi Group's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 17.89%.
The historical rank and industry rank for Nawi Group's Return-on-Tangible-Equity or its related term are showing as below:
XTAE:NAWI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 10.31 Med: 17.95 Max: 24.46
Current: 24.1
During the past 13 years, Nawi Group's highest Return-on-Tangible-Equity was 24.46%. The lowest was 10.31%. And the median was 17.95%.
XTAE:NAWI's Return-on-Tangible-Equity is ranked better than 88.05% of 527
companies
in the Credit Services industry
Industry Median: 7.24
vs XTAE:NAWI: 24.10
Nawi Group (XTAE:NAWI) 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.
Nawi Group Return-on-Tangible-Equity Related Terms
Nawi Group Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Nawi Group'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.
XTAE:NAWI vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Nawi Group'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.
Nawi Group Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Nawi Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Nawi Group'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 17.89% mean?
Nawi Group (XTAE:NAWI) has a Return-on-Tangible-Equity of 17.89% 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 Nawi Group and its competitors. This is near median its historical median of 17.95. Over the past decade, Nawi Group's Return-on-Tangible-Equity has ranged from 10.31 to 24.46. According to the industry distribution chart, Nawi Group ranks #63 out of 527 companies in the Credit Services industry, placing it in the top 12%.
Is Nawi Group's Return-on-Tangible-Equity too high?
Nawi Group's current Return-on-Tangible-Equity of 17.89% is near median its 10-year median of 17.95. Over the past 10 years, this metric has ranged from a low of 10.31 to a high of 24.46. The Credit Services industry median Return-on-Tangible-Equity is 7.24. Nawi Group's value of 17.89% is 147.1% above this industry median. Based on the distribution chart, Nawi Group ranks #63 out of 527 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Nawi Group has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Nawi Group's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Nawi Group ranks #63 out of 527 companies for Return-on-Tangible-Equity. This places Nawi Group in the top 12% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.24. Nawi Group's value of 17.89% is 147.1% above this benchmark. Historically, Nawi Group's own Return-on-Tangible-Equity has ranged from 10.31 to 24.46 over the past decade. While the company's 10-year median is 17.95 vs. the industry median of 7.24, Nawi Group 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 Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.24, based on 527 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. Nawi Group's current Return-on-Tangible-Equity of 17.89% is 147.1% 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 Nawi Group and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nawi Group's current Return-on-Tangible-Equity is 17.89%, which is near median its own 10-year median of 17.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nawi Group stock overvalued right now?
Based on GuruFocus' analysis, Nawi Group (XTAE:NAWI) is currently considered Modestly Undervalued. The stock's GF Value™ is ₪49.44, compared to a current price of ₪43.07 — trading 12.9% below its estimated fair value. The current Return-on-Tangible-Equity is 17.89%, which is near median its 10-year median of 17.95 and 147.1% above the Credit Services industry median of 7.24. Nawi Group's overall GF Score™ is 74/100 with 7 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 Nawi Group (XTAE:NAWI), the current Return-on-Tangible-Equity is 17.89% 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 Nawi Group (XTAE:NAWI) Overvalued in 2026?
Based on GuruFocus' analysis, Nawi Group stock appears to be undervalued.
The current stock price of ₪43.07 is trading 12.9% below its estimated GF Value™ of ₪49.44.
GuruFocus considers Nawi Group to be Modestly Undervalued.
Key valuation signals for XTAE:NAWI:
Return-on-Tangible-Equity: 17.89% (near median its 10-year median of 17.95)
GF Value™: ₪49.44 vs. price of ₪43.07 (12.9% below fair value)
Industry Position: 147.1% above the Credit Services median (#63 of 527)
No single metric tells the full story. See the XTAE:NAWI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nawi Group Ltd provides financial solutions based on financing and non-bank credit. It provides services such as credit insurance to companies and businesses, commercial checks discounts and import & export financing. Its main activity focuses on providing credit to companies on a variety of levels which includes import financing, procurement financing, financing real estate initiatives, financing suppliers, financing equipment, supplementing equity, and more. Its client base include corporations, companies, partnerships, authorized dealers and business people operating in a variety of industries.
74GF Score
Get the complete analysis for XTAE:NAWI
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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