ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Banco GNB Peru's annualized net income for the quarter that ended in Dec. 2025 was S/.67.30 Mil. Banco GNB Peru's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was S/.836.29 Mil. Therefore, Banco GNB Peru's annualized ROE % for the quarter that ended in Dec. 2025 was 8.05%.
The historical rank and industry rank for Banco GNB Peru's ROE % or its related term are showing as below:
LIM:GNBC1's ROE % is not ranked *
in the Banks industry.
Industry Median: 10.23 * Ranked among companies with meaningful ROE % only.
Banco GNB Peru (LIM:GNBC1) 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 one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (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.
Banco GNB Peru ROE % Related Terms
Banco GNB Peru ROE % Historical Data
* Premium members only.
The historical data trend for Banco GNB Peru'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 GNB Peru'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 GNB Peru ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Banco GNB Peru's ROE % distribution charts can be found below:
* The bar in red indicates where Banco GNB Peru'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 one times the annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Banco GNB Peru (LIM:GNBC1) has a ROE % of 8.05% 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 Banco GNB Peru and its competitors.
Is Banco GNB Peru's ROE % too high?
Banco GNB Peru's current ROE % is 8.05%. The Banks industry median ROE % is 10.23. Banco GNB Peru's value of 8.05% is 21.3% below this industry median.
How does Banco GNB Peru's ROE % compare to competitors?
Banco GNB Peru's ROE % of 8.05% can be compared against companies in the Banks industry. The industry median ROE % is 10.23. Banco GNB Peru's value of 8.05% is 21.3% below this benchmark. 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 10.23, based on 1,527 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. Banco GNB Peru's current ROE % of 8.05% is 21.3% 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 Banco GNB Peru and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco GNB Peru's current ROE % is 8.05%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco GNB Peru stock overvalued right now?
Banco GNB Peru (LIM:GNBC1) has a current ROE % of 8.05%. The current ROE % is 8.05% and 21.3% below the Banks industry median of 10.23. 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 GNB Peru (LIM:GNBC1), the current ROE % is 8.05% 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.
Banco GNB Peru SA provides personal and business banking products and services. The company's products and services include mortgage savings, salary accounts, deposits, personal loans, vehicle credits, credit cards, and insurance products, among others.
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