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The historical rank and industry rank for UMT United Mobility Technology AG's Return-on-Tangible-Equity or its related term are showing as below:
XTER:UMD'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -137.24 Med: 0.31 Max: 26.32
Current: -20
During the past 13 years, UMT United Mobility Technology AG's highest Return-on-Tangible-Equity was 26.32%. The lowest was -137.24%. And the median was 0.31%.
XTER:UMD's Return-on-Tangible-Equity is ranked worse than 80.25% of 2476
companies
in the Software industry
Industry Median: 8.825
vs XTER:UMD: -20.00
UMT United Mobility Technology AG (XTER:UMD) 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.
UMT United Mobility Technology AG Return-on-Tangible-Equity Related Terms
UMT United Mobility Technology AG 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.
UMT United Mobility Technology AG Return-on-Tangible-Equity Chart
XTER:UMD vs MSFT, ORCL, PLTR: Return-on-Tangible-Equity Comparison
For the Software - Infrastructure subindustry, UMT United Mobility Technology AG'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.
UMT United Mobility Technology AG Return-on-Tangible-Equity vs Software Industry
For the Software industry and Technology sector, UMT United Mobility Technology AG's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where UMT United Mobility Technology AG'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 two times the semi-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 -31.20% mean?
UMT United Mobility Technology AG (XTER:UMD) has a Return-on-Tangible-Equity of -31.20% 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 UMT United Mobility Technology AG and its competitors. According to the industry distribution chart, UMT United Mobility Technology AG ranks #1987 out of 2476 companies in the Software industry, placing it in the top 80.3%.
Is UMT United Mobility Technology AG's Return-on-Tangible-Equity too high?
UMT United Mobility Technology AG's current Return-on-Tangible-Equity is -31.20%. Based on the distribution chart, UMT United Mobility Technology AG ranks #1987 out of 2476 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, UMT United Mobility Technology AG has a GF Score™ of 43/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does UMT United Mobility Technology AG's Return-on-Tangible-Equity compare to MSFT and ORCL?
According to the Software industry distribution chart, UMT United Mobility Technology AG ranks #1987 out of 2476 companies for Return-on-Tangible-Equity. This places UMT United Mobility Technology AG in the lower half of its industry. The industry median Return-on-Tangible-Equity is 8.83. 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 8.83, based on 2,476 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. 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 UMT United Mobility Technology AG and its competitors. For the Software industry, the median Return-on-Tangible-Equity is 8.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UMT United Mobility Technology AG's current Return-on-Tangible-Equity is -31.20%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UMT United Mobility Technology AG stock overvalued right now?
Based on GuruFocus' analysis, UMT United Mobility Technology AG (XTER:UMD) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.92, compared to a current price of €1.12 — trading 21.7% above its estimated fair value. The current Return-on-Tangible-Equity is -31.20%. UMT United Mobility Technology AG's overall GF Score™ is 43/100 with 2 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 UMT United Mobility Technology AG (XTER:UMD), the current Return-on-Tangible-Equity is -31.20% 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.
Is UMT United Mobility Technology AG (XTER:UMD) Overvalued in 2026?
Based on GuruFocus' analysis, UMT United Mobility Technology AG stock appears to be overvalued.
The current stock price of €1.12 is trading 21.7% above its estimated GF Value™ of €0.92.
GuruFocus considers UMT United Mobility Technology AG to be Modestly Overvalued.
Key valuation signals for XTER:UMD:
Return-on-Tangible-Equity: -31.20%
GF Value™: €0.92 vs. price of €1.12 (21.7% above fair value)
No single metric tells the full story. See the XTER:UMD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
UMT United Mobility Technology AG Business Description
UMT United Mobility Technology AG offers service and solutions for mobile and electronic payment systems and in the field of data analytics. It focuses on industries and companies that are future-oriented and crisis-resistant, as well as have a low degree of digitization in the B2B and B2C sectors. It serves Hotel, infrastructure, automotive, passenger transport, mobile phone service providers and other industries. The company offers solutions especially for large-scale customers such as PAYBACK app. Geographically all the activities are functioned through the region of Germany.
43GF Score
Get the complete analysis for XTER:UMD
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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