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The historical rank and industry rank for CTBC Financial Holding Co's ROE % or its related term are showing as below:
TPE:2891'
s ROE % Range Over the Past 10 Years
Min: 7.82 Med: 12.34 Max: 16.57
Current: 16.57
During the past 13 years, CTBC Financial Holding Co's highest ROE % was 16.57%. The lowest was 7.82%. And the median was 12.34%.
TPE:2891's ROE % is ranked better than 85.77% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs TPE:2891: 16.57
CTBC Financial Holding Co (TPE:2891) 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.
CTBC Financial Holding Co ROE % Competitor Comparison
For the Banks - Regional subindustry, CTBC Financial 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.
CTBC Financial Holding Co ROE % vs Banks Industry
For the Banks industry and Financial Services sector, CTBC Financial Holding Co's ROE % distribution charts can be found below:
* The bar in red indicates where CTBC Financial 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.
CTBC Financial Holding Co (TPE:2891) has a ROE % of 15.73% 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 CTBC Financial Holding Co and its competitors. This is 27% above median its historical median of 12.34. Over the past decade, CTBC Financial Holding Co's ROE % has ranged from 7.82 to 16.57. According to the industry distribution chart, CTBC Financial Holding Co ranks #217 out of 1525 companies in the Banks industry, placing it in the top 14.2%.
Is CTBC Financial Holding Co's ROE % too high?
CTBC Financial Holding Co's current ROE % of 15.73% is 27% above median its 10-year median of 12.34. Over the past 10 years, this metric has ranged from a low of 7.82 to a high of 16.57. The Banks industry median ROE % is 10.22. CTBC Financial Holding Co's value of 15.73% is 53.9% above this industry median. Based on the distribution chart, CTBC Financial Holding Co ranks #217 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, CTBC Financial Holding Co has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CTBC Financial Holding Co's ROE % compare to competitors?
According to the Banks industry distribution chart, CTBC Financial Holding Co ranks #217 out of 1525 companies for ROE %. This places CTBC Financial Holding Co in the top 14% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. CTBC Financial Holding Co's value of 15.73% is 53.9% above this benchmark. Historically, CTBC Financial Holding Co's own ROE % has ranged from 7.82 to 16.57 over the past decade. While the company's 10-year median is 12.34 vs. the industry median of 10.22, CTBC Financial 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 1,525 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. CTBC Financial Holding Co's current ROE % of 15.73% is 53.9% 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 CTBC Financial 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. CTBC Financial Holding Co's current ROE % is 15.73%, which is 27% above median its own 10-year median of 12.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CTBC Financial Holding Co stock overvalued right now?
Based on GuruFocus' analysis, CTBC Financial Holding Co (TPE:2891) is currently considered Modestly Overvalued. The stock's GF Value™ is NT$55.15, compared to a current price of NT$65.00 — trading 17.9% above its estimated fair value. The current ROE % is 15.73%, which is 27% above median its 10-year median of 12.34 and 53.9% above the Banks industry median of 10.22. CTBC Financial Holding Co's overall GF Score™ is 70/100 with 7 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 CTBC Financial Holding Co (TPE:2891), the current ROE % is 15.73% 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 CTBC Financial Holding Co (TPE:2891) Overvalued in 2026?
Based on GuruFocus' analysis, CTBC Financial Holding Co stock appears to be overvalued.
The current stock price of NT$65.00 is trading 17.9% above its estimated GF Value™ of NT$55.15.
GuruFocus considers CTBC Financial Holding Co to be Modestly Overvalued.
Key valuation signals for TPE:2891:
ROE %: 15.73% (27% above median its 10-year median of 12.34)
GF Value™: NT$55.15 vs. price of NT$65.00 (17.9% above fair value)
Industry Position: 53.9% above the Banks median (#217 of 1525)
No single metric tells the full story. See the TPE:2891 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CTBC Financial Holding Co Ltd is a diversified financial services holding company. Along with its subsidiaries, it operates in the following segments: Life insurance, which generates maximum revenue, Institutional banking, Retail banking, and Others. The majority of the Group's revenue is derived from its Institutional and Retail banking businesses, which include commercial banking and capital market activities, financing activities, deposit products, wealth management, credit cards, secured loans, and unsecured individual loans, etc., catering to individual and institutional clients. Geographically, the Group generates maximum revenue from its business in Taiwan, followed by Asia (excluding Taiwan), and North America.
70GF Score
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