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Payment Financial TechnologiesXTAE:PMNT -3.58%89 Return-on-Tangible-Equity is 21.65% as of Mar. 2026, which is 12% below its 10-year median of 24.51. GuruFocus rates XTAE:PMNT with a GF Score™ of 89/100 and a GF Value™ of ₪5.84 (Fairly Valued). The stock has 3 warning signs investors should review. Among 2,483 Software companies, Payment Financial Technologies ranks better than 71.49% 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. Payment Financial Technologies's annualized net income for the quarter that ended in Mar. 2026 was ₪16.40 Mil. Payment Financial Technologies's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₪75.76 Mil. Therefore, Payment Financial Technologies's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 21.65%.
The historical rank and industry rank for Payment Financial Technologies's Return-on-Tangible-Equity or its related term are showing as below:
XTAE:PMNT'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 22.09 Med: 24.51 Max: 26.93
Current: 25.29
During the past 6 years, Payment Financial Technologies's highest Return-on-Tangible-Equity was 26.93%. The lowest was 22.09%. And the median was 24.51%.
XTAE:PMNT's Return-on-Tangible-Equity is ranked better than 71.49% of 2483
companies
in the Software industry
Industry Median: 9.68
vs XTAE:PMNT: 25.29
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.
Payment Financial Technologies Return-on-Tangible-Equity Related Terms
Payment Financial Technologies 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.
XTAE:PMNT vs MSFT, ORCL, PLTR: Return-on-Tangible-Equity Comparison
For the Software - Infrastructure subindustry, Payment Financial Technologies'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.
Payment Financial Technologies Return-on-Tangible-Equity vs Software Industry
For the Software industry and Technology sector, Payment Financial Technologies's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Payment Financial Technologies'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 21.65% mean?
Payment Financial Technologies (XTAE:PMNT) has a Return-on-Tangible-Equity of 21.65% 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 Payment Financial Technologies and its competitors. This is 12% below median its historical median of 24.51. Over the past decade, Payment Financial Technologies' Return-on-Tangible-Equity has ranged from 22.09 to 26.93. According to the industry distribution chart, Payment Financial Technologies ranks #708 out of 2483 companies in the Software industry, placing it in the top 28.5%.
Is Payment Financial Technologies' Return-on-Tangible-Equity too high?
Payment Financial Technologies' current Return-on-Tangible-Equity of 21.65% is 12% below median its 10-year median of 24.51. Over the past 10 years, this metric has ranged from a low of 22.09 to a high of 26.93. The Software industry median Return-on-Tangible-Equity is 9.68. Payment Financial Technologies' value of 21.65% is 123.7% above this industry median. Based on the distribution chart, Payment Financial Technologies ranks #708 out of 2483 companies in the Software industry, which is above the industry midpoint. Overall, Payment Financial Technologies has a GF Score™ of 89/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Payment Financial Technologies' Return-on-Tangible-Equity compare to MSFT and ORCL?
According to the Software industry distribution chart, Payment Financial Technologies ranks #708 out of 2483 companies for Return-on-Tangible-Equity. This puts Payment Financial Technologies in the upper half of its industry. The industry median Return-on-Tangible-Equity is 9.68. Payment Financial Technologies' value of 21.65% is 123.7% above this benchmark. Historically, Payment Financial Technologies' own Return-on-Tangible-Equity has ranged from 22.09 to 26.93 over the past decade. While the company's 10-year median is 24.51 vs. the industry median of 9.68, Payment Financial Technologies 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 Software company?
The median Return-on-Tangible-Equity among Software companies is 9.68, based on 2,483 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. Payment Financial Technologies's current Return-on-Tangible-Equity of 21.65% is 123.7% 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 Payment Financial Technologies and its competitors. For the Software industry, the median Return-on-Tangible-Equity is 9.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Payment Financial Technologies's current Return-on-Tangible-Equity is 21.65%, which is 12% below median its own 10-year median of 24.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Payment Financial Technologies stock overvalued right now?
Based on GuruFocus' analysis, Payment Financial Technologies (XTAE:PMNT) is currently considered Fairly Valued. The stock's GF Value™ is ₪5.84, compared to a current price of ₪5.52 — trading 5.6% below its estimated fair value. The current Return-on-Tangible-Equity is 21.65%, which is 12% below median its 10-year median of 24.51 and 123.7% above the Software industry median of 9.68. Payment Financial Technologies' overall GF Score™ is 89/100 with 3 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 Payment Financial Technologies (XTAE:PMNT), the current Return-on-Tangible-Equity is 21.65% 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 Payment Financial Technologies (XTAE:PMNT) Overvalued in 2026?
Based on GuruFocus' analysis, Payment Financial Technologies stock appears to be undervalued.
The current stock price of ₪5.52 is trading 5.6% below its estimated GF Value™ of ₪5.84.
GuruFocus considers Payment Financial Technologies to be Fairly Valued.
Key valuation signals for XTAE:PMNT:
Return-on-Tangible-Equity: 21.65% (12% below median its 10-year median of 24.51)
GF Value™: ₪5.84 vs. price of ₪5.52 (5.6% below fair value)
Industry Position: 123.7% above the Software median (#708 of 2483)
No single metric tells the full story. See the XTAE:PMNT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Payment Financial Technologies Ltd owns the PaymenT brand which is a payment platform. It is a means of payment that allows businesses to offer financing to their customers easily, quickly, and conveniently and receive immediate payment for the products and services sold.
89GF Score
Get the complete analysis for XTAE:PMNT
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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