The historical rank and industry rank for Banco Hipotecario's ROE % or its related term are showing as below:
BHPTY'
s ROE % Range Over the Past 10 Years
Min: -23.48 Med: 12.41 Max: 40.3
Current: 4.64
During the past 13 years, Banco Hipotecario's highest ROE % was 40.30%. The lowest was -23.48%. And the median was 12.41%.
BHPTY's ROE % is ranked worse than 83.73% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs BHPTY: 4.64
Banco Hipotecario (OTCPK:BHPTY) 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 (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) 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.
Banco Hipotecario ROE % Related Terms
Banco Hipotecario ROE % Historical Data
* Premium members only.
The historical data trend for Banco Hipotecario'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, Banco Hipotecario'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.
Banco Hipotecario ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Hipotecario's ROE % distribution charts can be found below:
* The bar in red indicates where Banco Hipotecario'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 (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Banco Hipotecario (BHPTY) has a ROE % of -6.87% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Banco Hipotecario and its competitors. According to the industry distribution chart, Banco Hipotecario ranks #1276 out of 1524 companies in the Banks industry, placing it in the top 83.7%.
Is Banco Hipotecario's ROE % too high?
Banco Hipotecario's current ROE % is -6.87%. Based on the distribution chart, Banco Hipotecario ranks #1276 out of 1524 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Banco Hipotecario has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does Banco Hipotecario's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Hipotecario ranks #1276 out of 1524 companies for ROE %. This places Banco Hipotecario in the lower half of its industry. The industry median ROE % is 10.22. 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. 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 Banco Hipotecario 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. Banco Hipotecario's current ROE % is -6.87%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Hipotecario stock overvalued right now?
Banco Hipotecario (BHPTY) has a current ROE % of -6.87%. The stock's GF Value™ is $2.21, compared to a current price of $3.08 — trading 39.4% above its estimated fair value. The current ROE % is -6.87%. Banco Hipotecario's overall GF Score™ is 52/100 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 Banco Hipotecario (BHPTY), the current ROE % is -6.87% 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 Banco Hipotecario (BHPTY) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Hipotecario stock appears to be overvalued.
The current stock price of $3.08 is trading 39.4% above its estimated GF Value™ of $2.21.
Key valuation signals for BHPTY:
ROE %: -6.87%
GF Value™: $2.21 vs. price of $3.08 (39.4% above fair value)
No single metric tells the full story. See the BHPTY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Hipotecario SA acts as a banking corporation based in Argentina. The company's operating segment includes Finance, Wholesale Banking, Retail Banking, and Others. Retail Banking segment includes loans granted and other credit products, such as deposit taking from individuals. The Wholesale Banking segment encompasses corporate and financial advice, as well as asset management and loans to large customers. It generates maximum revenue from the Retail banking segment. Some of its product include mortgage credits, personal loans, insurance, cash management, and others. Geographically, it operates only in Argentina.
52GF Score
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