Banco de la Produccion PRODUBANCO (QUI:PRE) ROE %: 12.37% (As of Dec. 2025) — Near Median


QUI:PRE Banco de la Produccion SA PRODUBANCO QUI:PRE
84 GF Score
Price $1.59
GF Value $0.95
! 6 Warning Signs
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What is Banco de la Produccion PRODUBANCO ROE %?

Banco de la Produccion PRODUBANCO QUI:PRE 84 ROE % is 12.37% as of Dec. 2025, which is 5% above its 10-year median of 11.83. GuruFocus rates QUI:PRE with a GF Score™ of 84/100 and a GF Value™ of $0.95. The stock has 6 warning signs investors should review. Among 1,525 Banks companies, Banco de la Produccion PRODUBANCO ranks better than 66.23% on this metric.

ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Banco de la Produccion PRODUBANCO's annualized net income for the quarter that ended in Dec. 2025 was $83.7 Mil. Banco de la Produccion PRODUBANCO's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was $676.5 Mil. Therefore, Banco de la Produccion PRODUBANCO's annualized ROE % for the quarter that ended in Dec. 2025 was 12.37%.

The historical rank and industry rank for Banco de la Produccion PRODUBANCO's ROE % or its related term are showing as below:

QUI:PRE' s ROE % Range Over the Past 10 Years
Min: 4.21   Med: 11.83   Max: 16.34
Current: 12.37

During the past 10 years, Banco de la Produccion PRODUBANCO's highest ROE % was 16.34%. The lowest was 4.21%. And the median was 11.83%.

QUI:PRE's ROE % is ranked better than
66.23% of 1525 companies
in the Banks industry
Industry Median: 10.22 vs QUI:PRE: 12.37

Banco de la Produccion PRODUBANCO  (QUI:PRE) 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:

ROE %(Q: Dec. 2025 )
=Net Income/Total Stockholders Equity
=83.668/676.532
=(Net Income / Revenue )*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(83.668 / 592.192)*(592.192 / 8633.745)*(8633.745 / 676.532)
=Net Margin %*Asset Turnover*Equity Multiplier
=14.13 %*0.0686*12.7618
=ROA %*Equity Multiplier
=0.97 %*12.7618
=12.37 %

With this breakdown, it is clear that if a company grows its Net Profit Margin, its Asset Turnover, or its Leverage, it can grow its ROE %.

The factors that affect a company's ROE % can also be illustrated with the five-step DuPont Analysis:

ROE %(Q: Dec. 2025 )
=Net Income/Total Stockholders Equity
=83.668/676.532
=(Net Income / Pre-Tax Income) * (Pre-Tax Income / Revenue) * (Revenue / Total Assets) * (Total Assets / Total Stockholders Equity)
= (83.668 / 103.056) * (103.056 / 592.192) * (592.192 / 8633.745) * (8633.745 / 676.532)
= Tax Burden * Pretax Margin % * Asset Turnover * Equity Multiplier
= 0.8119 * 17.4 % * 0.0686 * 12.7618
=12.37 %

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 de la Produccion PRODUBANCO ROE % Related Terms


Banco de la Produccion PRODUBANCO ROE % Historical Data

* Premium members only.

The historical data trend for Banco de la Produccion PRODUBANCO'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.

Banco de la Produccion PRODUBANCO ROE % Chart

Banco de la Produccion PRODUBANCO Annual Data
Trend Dec14 Dec15 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.80 15.78 11.29 6.60 12.37

Banco de la Produccion PRODUBANCO Semi-Annual Data
Dec14 Dec15 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.80 15.78 11.29 6.60 12.37

QUI:PRE vs PNC, USB: ROE % Comparison

For the Banks - Regional subindustry, Banco de la Produccion PRODUBANCO'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 de la Produccion PRODUBANCO ROE % vs Banks Industry

For the Banks industry and Financial Services sector, Banco de la Produccion PRODUBANCO's ROE % distribution charts can be found below:

* The bar in red indicates where Banco de la Produccion PRODUBANCO's ROE % falls into.


QUI:PRE
84GF Score
Banco de la Produccion SA PRODUBANCO QUI:PRE
ROE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco de la Produccion PRODUBANCO ROE % Calculation

Banco de la Produccion PRODUBANCO's annualized ROE % for the fiscal year that ended in Dec. 2025 is calculated as

ROE %=Net Income (A: Dec. 2025 )/( (Total Stockholders Equity (A: Dec. 2024 )+Total Stockholders Equity (A: Dec. 2025 ))/ count )
=83.668/( (632.646+720.418)/ 2 )
=83.668/676.532
=12.37 %

Banco de la Produccion PRODUBANCO's annualized ROE % for the quarter that ended in Dec. 2025 is calculated as

ROE %=Net Income (Q: Dec. 2025 )/( (Total Stockholders Equity (Q: Dec. 2024 )+Total Stockholders Equity (Q: Dec. 2025 ))/ count )
=83.668/( (632.646+720.418)/ 2 )
=83.668/676.532
=12.37 %

* 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.

Frequently Asked Questions Learn more about ROE % →
What does a ROE % of 12.37% mean?
Banco de la Produccion PRODUBANCO (QUI:PRE) has a ROE % of 12.37% 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 de la Produccion PRODUBANCO and its competitors. This is near median its historical median of 11.83. Over the past decade, Banco de la Produccion PRODUBANCO's ROE % has ranged from 4.21 to 16.34. According to the industry distribution chart, Banco de la Produccion PRODUBANCO ranks #515 out of 1525 companies in the Banks industry, placing it in the top 33.8%.
Is Banco de la Produccion PRODUBANCO's ROE % too high?
Banco de la Produccion PRODUBANCO's current ROE % of 12.37% is near median its 10-year median of 11.83. Over the past 10 years, this metric has ranged from a low of 4.21 to a high of 16.34. The Banks industry median ROE % is 10.22. Banco de la Produccion PRODUBANCO's value of 12.37% is 21% above this industry median. Based on the distribution chart, Banco de la Produccion PRODUBANCO ranks #515 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Banco de la Produccion PRODUBANCO has a GF Score™ of 84/100, reflecting its overall financial health beyond just this single metric.
How does Banco de la Produccion PRODUBANCO's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Banco de la Produccion PRODUBANCO ranks #515 out of 1525 companies for ROE %. This puts Banco de la Produccion PRODUBANCO in the upper half of its industry. The industry median ROE % is 10.22. Banco de la Produccion PRODUBANCO's value of 12.37% is 21% above this benchmark. Historically, Banco de la Produccion PRODUBANCO's own ROE % has ranged from 4.21 to 16.34 over the past decade. While the company's 10-year median is 11.83 vs. the industry median of 10.22, Banco de la Produccion PRODUBANCO 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. Banco de la Produccion PRODUBANCO's current ROE % of 12.37% is 21% 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 Banco de la Produccion PRODUBANCO 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. Banco de la Produccion PRODUBANCO's current ROE % is 12.37%, which is near median its own 10-year median of 11.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco de la Produccion PRODUBANCO stock overvalued right now?
Banco de la Produccion PRODUBANCO (QUI:PRE) has a current ROE % of 12.37%. The stock's GF Value™ is $0.95, compared to a current price of $1.59 — trading 67.4% above its estimated fair value. The current ROE % is 12.37%, which is near median its 10-year median of 11.83 and 21% above the Banks industry median of 10.22. Banco de la Produccion PRODUBANCO's overall GF Score™ is 84/100 with 6 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 Banco de la Produccion PRODUBANCO (QUI:PRE), the current ROE % is 12.37% 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 Banco de la Produccion PRODUBANCO (QUI:PRE) Overvalued in 2026?

Based on GuruFocus' analysis, Banco de la Produccion PRODUBANCO stock appears to be overvalued. The current stock price of $1.59 is trading 67.4% above its estimated GF Value™ of $0.95.

Key valuation signals for QUI:PRE:

  • ROE %: 12.37% (near median its 10-year median of 11.83)
  • GF Value™: $0.95 vs. price of $1.59 (67.4% above fair value)
  • GF Score™: 84/100 with 6 warning signs
  • Industry Position: 21% above the Banks median (#515 of 1525)

No single metric tells the full story. See the QUI:PRE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Banco de la Produccion PRODUBANCO Business Description

Other Exchanges PRE:Ecuador
Address Simon Bolivar and Via a Nayon, Ekopark Corporate Complex, Tower 1, Quito, ECU
Banco de la Produccion SA PRODUBANCO is a banking company. Its services include current accounts in dollars, savings accounts in dollars, capital integration accounts, payment of import levies, payment of taxes, accumulation policies, and ATMs among others.
84GF Score

Get the complete analysis for QUI:PRE

ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.59
Price
$0.95
GF Value