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Societe Generale GhanaXGHA:SOGEGH 63 ROE % is 7.87% as of Mar. 2026, which is 55% below its 10-year median of 17.48. GuruFocus rates XGHA:SOGEGH with a GF Score™ of 63/100 and a GF Value™ of GHS1.60 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,525 Banks companies, Societe Generale Ghana ranks better than 62.36% on this metric.
The historical rank and industry rank for Societe Generale Ghana's ROE % or its related term are showing as below:
XGHA:SOGEGH'
s ROE % Range Over the Past 10 Years
Min: 10.15 Med: 17.48 Max: 32.66
Current: 11.93
During the past 13 years, Societe Generale Ghana's highest ROE % was 32.66%. The lowest was 10.15%. And the median was 17.48%.
XGHA:SOGEGH's ROE % is ranked better than 62.36% of 1525
companies
in the Banks industry
Industry Median: 10.23
vs XGHA:SOGEGH: 11.93
Societe Generale Ghana (XGHA:SOGEGH) 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, Societe Generale Ghana'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.
Societe Generale Ghana ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Societe Generale Ghana's ROE % distribution charts can be found below:
* The bar in red indicates where Societe Generale Ghana'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.
Societe Generale Ghana (XGHA:SOGEGH) has a ROE % of 7.87% 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 Societe Generale Ghana and its competitors. This is 55% below median its historical median of 17.48. Over the past decade, Societe Generale Ghana's ROE % has ranged from 10.15 to 32.66. According to the industry distribution chart, Societe Generale Ghana ranks #574 out of 1525 companies in the Banks industry, placing it in the top 37.6%.
Is Societe Generale Ghana's ROE % too high?
Societe Generale Ghana's current ROE % of 7.87% is 55% below median its 10-year median of 17.48. Over the past 10 years, this metric has ranged from a low of 10.15 to a high of 32.66. The Banks industry median ROE % is 10.23. Societe Generale Ghana's value of 7.87% is 23.1% below this industry median. Based on the distribution chart, Societe Generale Ghana ranks #574 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Societe Generale Ghana has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Societe Generale Ghana's ROE % compare to PNC?
According to the Banks industry distribution chart, Societe Generale Ghana ranks #574 out of 1525 companies for ROE %. This puts Societe Generale Ghana in the upper half of its industry. The industry median ROE % is 10.23. Societe Generale Ghana's value of 7.87% is 23.1% below this benchmark. Historically, Societe Generale Ghana's own ROE % has ranged from 10.15 to 32.66 over the past decade. While the company's 10-year median is 17.48 vs. the industry median of 10.23, Societe Generale Ghana has consistently been below 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 1,525 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. Societe Generale Ghana's current ROE % of 7.87% is 23.1% 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 Societe Generale Ghana 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. Societe Generale Ghana's current ROE % is 7.87%, which is 55% below median its own 10-year median of 17.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Societe Generale Ghana stock overvalued right now?
Based on GuruFocus' analysis, Societe Generale Ghana (XGHA:SOGEGH) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS1.60, compared to a current price of GHS6.80 — trading 325% above its estimated fair value. The current ROE % is 7.87%, which is 55% below median its 10-year median of 17.48 and 23.1% below the Banks industry median of 10.23. Societe Generale Ghana's overall GF Score™ is 63/100 with 2 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 Societe Generale Ghana (XGHA:SOGEGH), the current ROE % is 7.87% 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 Societe Generale Ghana (XGHA:SOGEGH) Overvalued in 2026?
Based on GuruFocus' analysis, Societe Generale Ghana stock appears to be overvalued.
The current stock price of GHS6.80 is trading 325% above its estimated GF Value™ of GHS1.60.
GuruFocus considers Societe Generale Ghana to be Significantly Overvalued.
Key valuation signals for XGHA:SOGEGH:
ROE %: 7.87% (55% below median its 10-year median of 17.48)
GF Value™: GHS1.60 vs. price of GHS6.80 (325% above fair value)
Industry Position: 23.1% below the Banks median (#574 of 1525)
No single metric tells the full story. See the XGHA:SOGEGH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Societe Generale Ghana PLC is a financial institution that provides retail banking, corporate banking, investment banking, and other financial intermediary financial services to individuals and corporates. Its business lines include Retail Banking, Corporate Banking and Treasury. The retail banking unit serve the needs of individuals, high net worth clients, and institutional clients. Corporate banking is responsible for providing loans and other credit facilities, as well as mobilizing deposits. The Treasury unit undertakes the bank's funding activities.
63GF Score
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