ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Aareal Bank AG's annualized net income for the quarter that ended in Sep. 2025 was $230 Mil. Aareal Bank AG's average Total Stockholders Equity over the quarter that ended in Sep. 2025 was $4,315 Mil. Therefore, Aareal Bank AG's annualized ROE % for the quarter that ended in Sep. 2025 was 5.33%.
The historical rank and industry rank for Aareal Bank AG's ROE % or its related term are showing as below:
AABKF'
s ROE % Range Over the Past 10 Years
Min: -2.68 Med: 6.47 Max: 57.82
Current: 57.82
During the past 13 years, Aareal Bank AG's highest ROE % was 57.82%. The lowest was -2.68%. And the median was 6.47%.
AABKF's ROE % is not ranked
in the Banks industry.
Industry Median: 10.22
vs AABKF: 57.82
Aareal Bank AG (OTCPK:AABKF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Sep. 2025) net income data. The Revenue data used here is four times the quarterly (Sep. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Aareal Bank AG ROE % Related Terms
Aareal Bank AG ROE % Historical Data
* Premium members only.
The historical data trend for Aareal Bank AG's ROE % 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.
For the Banks - Regional subindustry, Aareal Bank AG's ROE %, along with its competitors' market caps and ROE % 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.
Aareal Bank AG ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Aareal Bank AG's ROE % distribution charts can be found below:
* The bar in red indicates where Aareal Bank AG's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Sep. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Aareal Bank AG (AABKF) has a ROE % of 5.33% as of Sep. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Aareal Bank AG and its competitors. This is 18% below median its historical median of 6.47.
Is Aareal Bank AG's ROE % too high?
Aareal Bank AG's current ROE % of 5.33% is 18% below median its 10-year median of 6.47. The Banks industry median ROE % is 10.22. Aareal Bank AG's value of 5.33% is 47.8% below this industry median. Overall, Aareal Bank AG has a GF Score™ of 20/100, reflecting its overall financial health beyond just this single metric.
How does Aareal Bank AG's ROE % compare to PNC and USB?
Aareal Bank AG's ROE % of 5.33% can be compared against companies in the Banks industry. The industry median ROE % is 10.22. Aareal Bank AG's value of 5.33% is 47.8% below this benchmark. While the company's 10-year median is 6.47 vs. the industry median of 10.22, Aareal Bank AG has consistently been below 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aareal Bank AG's current ROE % of 5.33% is 47.8% below 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Aareal Bank AG and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aareal Bank AG's current ROE % is 5.33%, which is 18% below median its own 10-year median of 6.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aareal Bank AG stock overvalued right now?
Aareal Bank AG (AABKF) has a current ROE % of 5.33%. The stock's GF Value™ is $35.41, compared to a current price of $31.99 — trading 9.7% below its estimated fair value. The current ROE % is 5.33%, which is 18% below median its 10-year median of 6.47 and 47.8% below the Banks industry median of 10.22. Aareal Bank AG's overall GF Score™ is 20/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Aareal Bank AG (AABKF), the current ROE % is 5.33% as of Sep. 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 Aareal Bank AG (AABKF) Overvalued in 2026?
Based on GuruFocus' analysis, Aareal Bank AG stock appears to be undervalued.
The current stock price of $31.99 is trading 9.7% below its estimated GF Value™ of $35.41.
Key valuation signals for AABKF:
ROE %: 5.33% (18% below median its 10-year median of 6.47)
GF Value™: $35.41 vs. price of $31.99 (9.7% below fair value)
No single metric tells the full story. See the AABKF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Aareal Bank AG is the parent company of the Aareal Bank Group, an international purveyor of financing services that specializes in commercial property financing. The group's companies are organized into two business segments: Structured Property Financing and Banking & Digital Solutions. In the Structured property financing segment, the group facilitates property investments for its domestic and international clients, and is active in Europe, North America, and the Asia/Pacific region. The banking & digital solutions segment provides sector-specific payments processes to its clients from the institutional housing industry, the commercial property sector, as well as to the energy and utilities industry. The majority of the bank's new financing opportunities take place in Western Europe.
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