Equity Group HoldingsNAI:EQTY -0.63%86 ROE % is 23.06% as of Mar. 2026, which is 6% above its 10-year median of 21.80. GuruFocus rates NAI:EQTY with a GF Score™ of 86/100 and a GF Value™ of KES56.31 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,527 Banks companies, Equity Group Holdings ranks better than 96.4% on this metric.
The historical rank and industry rank for Equity Group Holdings's ROE % or its related term are showing as below:
NAI:EQTY'
s ROE % Range Over the Past 10 Years
Min: 16.3 Med: 21.8 Max: 26.48
Current: 26.26
During the past 13 years, Equity Group Holdings's highest ROE % was 26.48%. The lowest was 16.30%. And the median was 21.80%.
NAI:EQTY's ROE % is ranked better than 96.4% of 1527
companies
in the Banks industry
Industry Median: 10.23
vs NAI:EQTY: 26.26
Equity Group Holdings (NAI:EQTY) 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.
* 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, Equity Group Holdings'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.
Equity Group Holdings ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Equity Group Holdings's ROE % distribution charts can be found below:
* The bar in red indicates where Equity Group Holdings'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.
Equity Group Holdings (NAI:EQTY) has a ROE % of 23.06% 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 Equity Group Holdings and its competitors. This is near median its historical median of 21.80. Over the past decade, Equity Group Holdings' ROE % has ranged from 16.30 to 26.48. According to the industry distribution chart, Equity Group Holdings ranks #55 out of 1527 companies in the Banks industry, placing it in the top 3.6%.
Is Equity Group Holdings' ROE % too high?
Equity Group Holdings' current ROE % of 23.06% is near median its 10-year median of 21.80. Over the past 10 years, this metric has ranged from a low of 16.30 to a high of 26.48. The Banks industry median ROE % is 10.23. Equity Group Holdings' value of 23.06% is 125.4% above this industry median. Based on the distribution chart, Equity Group Holdings ranks #55 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Equity Group Holdings has a GF Score™ of 86/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Equity Group Holdings' ROE % compare to competitors?
According to the Banks industry distribution chart, Equity Group Holdings ranks #55 out of 1527 companies for ROE %. This places Equity Group Holdings in the top 4% of its industry — outperforming the majority of peers. The industry median ROE % is 10.23. Equity Group Holdings' value of 23.06% is 125.4% above this benchmark. Historically, Equity Group Holdings' own ROE % has ranged from 16.30 to 26.48 over the past decade. While the company's 10-year median is 21.80 vs. the industry median of 10.23, Equity Group Holdings 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 10.23, 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. Equity Group Holdings's current ROE % of 23.06% is 125.4% 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 Equity Group Holdings 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. Equity Group Holdings's current ROE % is 23.06%, which is near median its own 10-year median of 21.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Equity Group Holdings stock overvalued right now?
Based on GuruFocus' analysis, Equity Group Holdings (NAI:EQTY) is currently considered Significantly Overvalued. The stock's GF Value™ is KES56.31, compared to a current price of KES79.25 — trading 40.7% above its estimated fair value. The current ROE % is 23.06%, which is near median its 10-year median of 21.80 and 125.4% above the Banks industry median of 10.23. Equity Group Holdings' overall GF Score™ is 86/100 with 5 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 Equity Group Holdings (NAI:EQTY), the current ROE % is 23.06% 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 Equity Group Holdings (NAI:EQTY) Overvalued in 2026?
Based on GuruFocus' analysis, Equity Group Holdings stock appears to be overvalued.
The current stock price of KES79.25 is trading 40.7% above its estimated GF Value™ of KES56.31.
GuruFocus considers Equity Group Holdings to be Significantly Overvalued.
Key valuation signals for NAI:EQTY:
ROE %: 23.06% (near median its 10-year median of 21.80)
GF Value™: KES56.31 vs. price of KES79.25 (40.7% above fair value)
Industry Position: 125.4% above the Banks median (#55 of 1527)
No single metric tells the full story. See the NAI:EQTY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Equity Group Holdings Ltd offers banking and financial services in Kenya. The company offers retail banking, microfinance, and related services. It operates in six geographical markets: Kenya, Uganda, South Sudan, Rwanda, Tanzania, and the Democratic Republic of Congo. The consumer business line focuses on salaried customers or customers receiving other regular remittances, such as pensions. The majority of the firm's revenue is derived from Kenya. The firm offers Equity loans, Farm inputs, Mortgage loans, Asset finance loans, Trade finance, Development loans, and Business loans.
86GF Score
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