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The historical rank and industry rank for BCO Estado de Sergipe - Banese's ROE % or its related term are showing as below:
BSP:BGIP3'
s ROE % Range Over the Past 10 Years
Min: -0.82 Med: 16.16 Max: 26.51
Current: 0.18
During the past 13 years, BCO Estado de Sergipe - Banese's highest ROE % was 26.51%. The lowest was -0.82%. And the median was 16.16%.
BSP:BGIP3's ROE % is ranked worse than 95.34% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs BSP:BGIP3: 0.18
BCO Estado de Sergipe - Banese (BSP:BGIP3) 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.
BCO Estado de Sergipe - Banese ROE % Related Terms
BCO Estado de Sergipe - Banese ROE % 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.
For the Banks - Regional subindustry, BCO Estado de Sergipe - Banese'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.
BCO Estado de Sergipe - Banese ROE % vs Banks Industry
For the Banks industry and Financial Services sector, BCO Estado de Sergipe - Banese's ROE % distribution charts can be found below:
* The bar in red indicates where BCO Estado de Sergipe - Banese'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.
BCO Estado de Sergipe - Banese (BSP:BGIP3) has a ROE % of 12.61% 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 BCO Estado de Sergipe - Banese and its competitors. This is 22% below median its historical median of 16.16. According to the industry distribution chart, BCO Estado de Sergipe - Banese ranks #1454 out of 1525 companies in the Banks industry, placing it in the top 95.3%.
Is BCO Estado de Sergipe - Banese's ROE % too high?
BCO Estado de Sergipe - Banese's current ROE % of 12.61% is 22% below median its 10-year median of 16.16. The Banks industry median ROE % is 10.22. BCO Estado de Sergipe - Banese's value of 12.61% is 23.4% above this industry median. Based on the distribution chart, BCO Estado de Sergipe - Banese ranks #1454 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, BCO Estado de Sergipe - Banese has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BCO Estado de Sergipe - Banese's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, BCO Estado de Sergipe - Banese ranks #1454 out of 1525 companies for ROE %. This places BCO Estado de Sergipe - Banese in the lower half of its industry. The industry median ROE % is 10.22. BCO Estado de Sergipe - Banese's value of 12.61% is 23.4% above this benchmark. While the company's 10-year median is 16.16 vs. the industry median of 10.22, BCO Estado de Sergipe - Banese 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,525 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. BCO Estado de Sergipe - Banese's current ROE % of 12.61% is 23.4% 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 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 BCO Estado de Sergipe - Banese 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. BCO Estado de Sergipe - Banese's current ROE % is 12.61%, which is 22% below median its own 10-year median of 16.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BCO Estado de Sergipe - Banese stock overvalued right now?
Based on GuruFocus' analysis, BCO Estado de Sergipe - Banese (BSP:BGIP3) is currently considered Significantly Overvalued. The stock's GF Value™ is R$26.35, compared to a current price of R$48.08 — trading 82.5% above its estimated fair value. The current ROE % is 12.61%, which is 22% below median its 10-year median of 16.16 and 23.4% above the Banks industry median of 10.22. BCO Estado de Sergipe - Banese's overall GF Score™ is 46/100 with 2 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 BCO Estado de Sergipe - Banese (BSP:BGIP3), the current ROE % is 12.61% 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 BCO Estado de Sergipe - Banese (BSP:BGIP3) Overvalued in 2026?
Based on GuruFocus' analysis, BCO Estado de Sergipe - Banese stock appears to be overvalued.
The current stock price of R$48.08 is trading 82.5% above its estimated GF Value™ of R$26.35.
GuruFocus considers BCO Estado de Sergipe - Banese to be Significantly Overvalued.
Key valuation signals for BSP:BGIP3:
ROE %: 12.61% (22% below median its 10-year median of 16.16)
GF Value™: R$26.35 vs. price of R$48.08 (82.5% above fair value)
Industry Position: 23.4% above the Banks median (#1454 of 1525)
No single metric tells the full story. See the BSP:BGIP3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BCO Estado de Sergipe - Banese Business Description
BCO Estado de Sergipe SA - Banese offers a range of banking products and services to individuals and corporates in the areas of loans and deposits, investment banking, portfolio management, leasing, pension, as well as life and property insurance and Internet banking services.
46GF Score
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ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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