TBC Bank GroupFRA:LR6 -0.95%86 ROE % is 23.02% as of Mar. 2026, which is 0% below its 10-year median of 23.13. GuruFocus rates FRA:LR6 with a GF Score™ of 86/100 and a GF Value™ of €50.67 (Fairly Valued). Among 1,523 Banks companies, TBC Bank Group ranks better than 95.47% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. TBC Bank Group's annualized net income for the quarter that ended in Mar. 2026 was €465 Mil. TBC Bank Group's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was €2,022 Mil. Therefore, TBC Bank Group's annualized ROE % for the quarter that ended in Mar. 2026 was 23.02%.
The historical rank and industry rank for TBC Bank Group's ROE % or its related term are showing as below:
FRA:LR6'
s ROE % Range Over the Past 10 Years
Min: 11.63 Med: 23.13 Max: 27.32
Current: 24.21
During the past 13 years, TBC Bank Group's highest ROE % was 27.32%. The lowest was 11.63%. And the median was 23.13%.
FRA:LR6's ROE % is ranked better than 95.47% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs FRA:LR6: 24.21
TBC Bank Group (FRA:LR6) 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.
TBC Bank Group ROE % Related Terms
TBC Bank Group ROE % Historical Data
* Premium members only.
The historical data trend for TBC Bank Group'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, TBC Bank Group'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.
TBC Bank Group ROE % vs Banks Industry
For the Banks industry and Financial Services sector, TBC Bank Group's ROE % distribution charts can be found below:
* The bar in red indicates where TBC Bank Group'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.
TBC Bank Group (FRA:LR6) has a ROE % of 23.02% 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 TBC Bank Group and its competitors. This is near median its historical median of 23.13. Over the past decade, TBC Bank Group's ROE % has ranged from 11.63 to 27.32. According to the industry distribution chart, TBC Bank Group ranks #69 out of 1523 companies in the Banks industry, placing it in the top 4.5%.
Is TBC Bank Group's ROE % too high?
TBC Bank Group's current ROE % of 23.02% is near median its 10-year median of 23.13. Over the past 10 years, this metric has ranged from a low of 11.63 to a high of 27.32. The Banks industry median ROE % is 10.22. TBC Bank Group's value of 23.02% is 125.2% above this industry median. Based on the distribution chart, TBC Bank Group ranks #69 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, TBC Bank Group has a GF Score™ of 86/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does TBC Bank Group's ROE % compare to competitors?
According to the Banks industry distribution chart, TBC Bank Group ranks #69 out of 1523 companies for ROE %. This places TBC Bank Group in the top 5% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. TBC Bank Group's value of 23.02% is 125.2% above this benchmark. Historically, TBC Bank Group's own ROE % has ranged from 11.63 to 27.32 over the past decade. While the company's 10-year median is 23.13 vs. the industry median of 10.22, TBC Bank Group 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. TBC Bank Group's current ROE % of 23.02% is 125.2% 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 TBC Bank Group 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. TBC Bank Group's current ROE % is 23.02%, which is near median its own 10-year median of 23.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TBC Bank Group stock overvalued right now?
Based on GuruFocus' analysis, TBC Bank Group (FRA:LR6) is currently considered Fairly Valued. The stock's GF Value™ is €50.67, compared to a current price of €52.00 — trading 2.6% above its estimated fair value. The current ROE % is 23.02%, which is near median its 10-year median of 23.13 and 125.2% above the Banks industry median of 10.22. TBC Bank Group's overall GF Score™ is 86/100. 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 TBC Bank Group (FRA:LR6), the current ROE % is 23.02% 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 TBC Bank Group (FRA:LR6) Overvalued in 2026?
Based on GuruFocus' analysis, TBC Bank Group stock appears to be overvalued.
The current stock price of €52.00 is trading 2.6% above its estimated GF Value™ of €50.67.
GuruFocus considers TBC Bank Group to be Fairly Valued.
Key valuation signals for FRA:LR6:
ROE %: 23.02% (near median its 10-year median of 23.13)
GF Value™: €50.67 vs. price of €52.00 (2.6% above fair value)
Industry Position: 125.2% above the Banks median (#69 of 1523)
No single metric tells the full story. See the FRA:LR6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
TBC Bank Group PLC is a UK-based banking group. The business activities of the company involves universal banking operations within Georgia. The bank is focused on financial services activities, and the majority of its total assets relate to banking, insurance, leasing, brokerage, and corporate advisory services. Its operating segments include Georgian financial services (Georgia FS), which includes corporate and investment banking (CIB), Retail - non-business individual customers; Micro, Small, and Medium Enterprises: (MSME); Uzbekistan; and Other Operations.
86GF Score
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