Finbond Group (JSE:FGL) ROE % Adjusted to Book Value: 4.88% (As of Feb. 2026)


JSE:FGL Finbond Group Ltd JSE:FGL
34 GF Score
Price R0.90
GF Value R0.92
Valuation Fairly Valued
! 7 Warning Signs
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What is Finbond Group ROE % Adjusted to Book Value?

Finbond Group JSE:FGL 34 ROE % Adjusted to Book Value is 4.88% as of Feb. 2026. GuruFocus rates JSE:FGL with a GF Score™ of 34/100 and a GF Value™ of R0.92 (Fairly Valued). The stock has 7 warning signs investors should review.

Finbond Group's ROE % for the quarter that ended in Feb. 2026 was 5.56%. Finbond Group's PB Ratio for the quarter that ended in Feb. 2026 was 1.14. Finbond Group's ROE % Adjusted to Book Value for the quarter that ended in Feb. 2026 was 4.88%.

Finbond Group ROE % Adjusted to Book Value Related Terms

Finbond Group ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Finbond Group's ROE % Adjusted to Book Value 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.

Finbond Group ROE % Adjusted to Book Value Chart

Finbond Group Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only -48.65 -120.18 0.44 8.85 10.02

Finbond Group Semi-Annual Data
Aug16 Feb17 Aug17 Feb18 Aug18 Feb19 Aug19 Feb20 Aug20 Feb21 Aug21 Feb22 Aug22 Feb23 Aug23 Feb24 Aug24 Feb25 Aug25 Feb26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 17.50 -5.88 26.98 20.96 4.88

JSE:FGL vs RKT, FNMA, PFSI: ROE % Adjusted to Book Value Comparison

For the Mortgage Finance subindustry, Finbond Group's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.

Finbond Group ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Finbond Group's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Finbond Group's ROE % Adjusted to Book Value falls into.


JSE:FGL
34GF Score
Finbond Group Ltd JSE:FGL
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Finbond Group ROE % Adjusted to Book Value Calculation

Finbond Group's ROE % Adjusted to Book Value for the fiscal year that ended in Feb. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=11.42% / 1.14
=10.02%

Finbond Group's ROE % Adjusted to Book Value for the quarter that ended in Feb. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=5.56% / 1.14
=4.88%

* 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.

What does a ROE % Adjusted to Book Value of 4.88% mean?
Finbond Group (JSE:FGL) has a ROE % Adjusted to Book Value of 4.88% as of Feb. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Finbond Group and its competitors.
Is Finbond Group's ROE % Adjusted to Book Value too high?
Finbond Group's current ROE % Adjusted to Book Value is 4.88%. Overall, Finbond Group has a GF Score™ of 34/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Finbond Group's ROE % Adjusted to Book Value compare to RKT and FNMA?
Finbond Group's ROE % Adjusted to Book Value of 4.88% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Finbond Group and its competitors. Finbond Group's current ROE % Adjusted to Book Value is 4.88%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finbond Group stock overvalued right now?
Based on GuruFocus' analysis, Finbond Group (JSE:FGL) is currently considered Fairly Valued. The stock's GF Value™ is R0.92, compared to a current price of R0.90 — trading 2.2% below its estimated fair value. The current ROE % Adjusted to Book Value is 4.88%. Finbond Group's overall GF Score™ is 34/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Finbond Group (JSE:FGL), the current ROE % Adjusted to Book Value is 4.88% as of Feb. 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 Finbond Group (JSE:FGL) Overvalued in 2026?

Based on GuruFocus' analysis, Finbond Group stock appears to be undervalued. The current stock price of R0.90 is trading 2.2% below its estimated GF Value™ of R0.92. GuruFocus considers Finbond Group to be Fairly Valued.

Key valuation signals for JSE:FGL:

  • ROE % Adjusted to Book Value: 4.88%
  • GF Value™: R0.92 vs. price of R0.90 (2.2% below fair value)
  • GF Score™: 34/100 with 7 warning signs

No single metric tells the full story. See the JSE:FGL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Finbond Group Business Description

Address 446 Rigel Avenue South, Rigel Park, Erasmusrand, Pretoria, GT, ZAF, 0181
Finbond Group Ltd is a financial services institution that is engaged in the design and delivery of value and solution-based savings, credit, and insurance solutions tailored to depositor and borrower requirements. The company's business segments are Deposit and Debt Finance Products, Lending, Property investment, and Transactional banking, and Others. It derives key revenue from the Lending segment. Company opertes in USA, South Africa, and Canada, with majority of revenue from USA.
34GF Score

Get the complete analysis for JSE:FGL

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R0.90
Price
R0.92
GF Value