Guaranty Trust Holding CoCHIX:GTCOL 81 ROE % is 19.83% as of Dec. 2025, which is 26% below its 10-year median of 26.65. GuruFocus rates CHIX:GTCOL with a GF Score™ of 81/100 and a GF Value™ of $0.05 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,523 Banks companies, Guaranty Trust Holding Co ranks better than 96.85% on this metric.
The historical rank and industry rank for Guaranty Trust Holding Co's ROE % or its related term are showing as below:
CHIX:GTCOl'
s ROE % Range Over the Past 10 Years
Min: 18.77 Med: 26.65 Max: 49.05
Current: 28.13
During the past 6 years, Guaranty Trust Holding Co's highest ROE % was 49.05%. The lowest was 18.77%. And the median was 26.65%.
CHIX:GTCOl's ROE % is ranked better than 96.85% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs CHIX:GTCOl: 28.13
Guaranty Trust Holding Co (CHIX:GTCOl) 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 (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (Dec. 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.
* 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 - Diversified subindustry, Guaranty Trust Holding Co'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.
Guaranty Trust Holding Co ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Guaranty Trust Holding Co's ROE % distribution charts can be found below:
* The bar in red indicates where Guaranty Trust Holding Co'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 (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Guaranty Trust Holding Co (CHIX:GTCOL) has a ROE % of 19.83% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Guaranty Trust Holding Co and its competitors. This is 26% below median its historical median of 26.65. Over the past decade, Guaranty Trust Holding Co's ROE % has ranged from 18.77 to 49.05. According to the industry distribution chart, Guaranty Trust Holding Co ranks #48 out of 1523 companies in the Banks industry, placing it in the top 3.2%.
Is Guaranty Trust Holding Co's ROE % too high?
Guaranty Trust Holding Co's current ROE % of 19.83% is 26% below median its 10-year median of 26.65. Over the past 10 years, this metric has ranged from a low of 18.77 to a high of 49.05. The Banks industry median ROE % is 10.22. Guaranty Trust Holding Co's value of 19.83% is 94% above this industry median. Based on the distribution chart, Guaranty Trust Holding Co ranks #48 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Guaranty Trust Holding Co has a GF Score™ of 81/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Guaranty Trust Holding Co's ROE % compare to JPM and BAC?
According to the Banks industry distribution chart, Guaranty Trust Holding Co ranks #48 out of 1523 companies for ROE %. This places Guaranty Trust Holding Co in the top 3% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Guaranty Trust Holding Co's value of 19.83% is 94% above this benchmark. Historically, Guaranty Trust Holding Co's own ROE % has ranged from 18.77 to 49.05 over the past decade. While the company's 10-year median is 26.65 vs. the industry median of 10.22, Guaranty Trust Holding Co 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 1,523 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. Guaranty Trust Holding Co's current ROE % of 19.83% is 94% 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 Guaranty Trust Holding Co 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. Guaranty Trust Holding Co's current ROE % is 19.83%, which is 26% below median its own 10-year median of 26.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Guaranty Trust Holding Co stock overvalued right now?
Based on GuruFocus' analysis, Guaranty Trust Holding Co (CHIX:GTCOL) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.05, compared to a current price of $0.09 — trading 84% above its estimated fair value. The current ROE % is 19.83%, which is 26% below median its 10-year median of 26.65 and 94% above the Banks industry median of 10.22. Guaranty Trust Holding Co's overall GF Score™ is 81/100 with 1 warning sign 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 Guaranty Trust Holding Co (CHIX:GTCOL), the current ROE % is 19.83% 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 Guaranty Trust Holding Co (CHIX:GTCOL) Overvalued in 2026?
Based on GuruFocus' analysis, Guaranty Trust Holding Co stock appears to be overvalued.
The current stock price of $0.09 is trading 84% above its estimated GF Value™ of $0.05.
GuruFocus considers Guaranty Trust Holding Co to be Significantly Overvalued.
Key valuation signals for CHIX:GTCOL:
ROE %: 19.83% (26% below median its 10-year median of 26.65)
GF Value™: $0.05 vs. price of $0.09 (84% above fair value)
Industry Position: 94% above the Banks median (#48 of 1523)
No single metric tells the full story. See the CHIX:GTCOL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Guaranty Trust Holding Co PLC is a multinational financial institution that provides individuals, businesses, private and public institutions across Africa and the United Kingdom with a broad range of market key financial products and services. The company has six reportable segments: Corporate banking which derives maximum revenue, and incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Commercial banking which incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Business banking which incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Retail banking which incorporates private banking services, private customer current accounts, savings deposits; SME banking; and Public sector.
81GF Score
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