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LIC Housing FinanceBOM:500253 +1.07%74 Return-on-Tangible-Asset is 1.84% as of Jun. 2026, which is 44% above its 10-year median of 1.28. GuruFocus rates BOM:500253 with a GF Score™ of 74/100 and a GF Value™ of ₹599.77 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,522 Banks companies, LIC Housing Finance ranks better than 85.09% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. LIC Housing Finance's annualizedNet Income for the quarter that ended in Jun. 2026 was ₹59,954 Mil. LIC Housing Finance's average total tangible assets for the quarter that ended in Jun. 2026 was ₹3,251,735 Mil. Therefore, LIC Housing Finance's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 1.84%.
The historical rank and industry rank for LIC Housing Finance's Return-on-Tangible-Asset or its related term are showing as below:
BOM:500253'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.93 Med: 1.28 Max: 1.8
Current: 1.8
During the past 13 years, LIC Housing Finance's highest Return-on-Tangible-Asset was 1.80%. The lowest was 0.93%. And the median was 1.28%.
BOM:500253's Return-on-Tangible-Asset is ranked better than 85.09% of 1522
companies
in the Banks industry
Industry Median: 1.03
vs BOM:500253: 1.80
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
LIC Housing Finance Return-on-Tangible-Asset Related Terms
LIC Housing Finance Return-on-Tangible-Asset Historical Data
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The historical data trend for LIC Housing Finance's Return-on-Tangible-Asset 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.
BOM:500253 vs RKT, FNMA, PFSI: Return-on-Tangible-Asset Comparison
For the Mortgage Finance subindustry, LIC Housing Finance's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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.
LIC Housing Finance Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, LIC Housing Finance's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where LIC Housing Finance's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.84% mean?
LIC Housing Finance (BOM:500253) has a Return-on-Tangible-Asset of 1.84% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on LIC Housing Finance and its competitors. This is 44% above median its historical median of 1.28. Over the past decade, LIC Housing Finance's Return-on-Tangible-Asset has ranged from 0.93 to 1.80. According to the industry distribution chart, LIC Housing Finance ranks #227 out of 1522 companies in the Banks industry, placing it in the top 14.9%.
Is LIC Housing Finance's Return-on-Tangible-Asset too high?
LIC Housing Finance's current Return-on-Tangible-Asset of 1.84% is 44% above median its 10-year median of 1.28. Over the past 10 years, this metric has ranged from a low of 0.93 to a high of 1.80. The Banks industry median Return-on-Tangible-Asset is 1.03. LIC Housing Finance's value of 1.84% is 78.6% above this industry median. Based on the distribution chart, LIC Housing Finance ranks #227 out of 1522 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, LIC Housing Finance has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does LIC Housing Finance's Return-on-Tangible-Asset compare to RKT and FNMA?
According to the Banks industry distribution chart, LIC Housing Finance ranks #227 out of 1522 companies for Return-on-Tangible-Asset. This places LIC Housing Finance in the top 15% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.03. LIC Housing Finance's value of 1.84% is 78.6% above this benchmark. Historically, LIC Housing Finance's own Return-on-Tangible-Asset has ranged from 0.93 to 1.80 over the past decade. While the company's 10-year median is 1.28 vs. the industry median of 1.03, LIC Housing Finance 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.03, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. LIC Housing Finance's current Return-on-Tangible-Asset of 1.84% is 78.6% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on LIC Housing Finance and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LIC Housing Finance's current Return-on-Tangible-Asset is 1.84%, which is 44% above median its own 10-year median of 1.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LIC Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, LIC Housing Finance (BOM:500253) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹599.77, compared to a current price of ₹531.60 — trading 11.4% below its estimated fair value. The current Return-on-Tangible-Asset is 1.84%, which is 44% above median its 10-year median of 1.28 and 78.6% above the Banks industry median of 1.03. LIC Housing Finance's overall GF Score™ is 74/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For LIC Housing Finance (BOM:500253), the current Return-on-Tangible-Asset is 1.84% as of Jun. 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 LIC Housing Finance (BOM:500253) Overvalued in 2026?
Based on GuruFocus' analysis, LIC Housing Finance stock appears to be undervalued.
The current stock price of ₹531.60 is trading 11.4% below its estimated GF Value™ of ₹599.77.
GuruFocus considers LIC Housing Finance to be Modestly Undervalued.
Key valuation signals for BOM:500253:
Return-on-Tangible-Asset: 1.84% (44% above median its 10-year median of 1.28)
GF Value™: ₹599.77 vs. price of ₹531.60 (11.4% below fair value)
Industry Position: 78.6% above the Banks median (#227 of 1522)
No single metric tells the full story. See the BOM:500253 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
LIC Housing Finance Ltd is a housing finance company that provides loans in India. Its main objective is to provides long-term finance to individuals for the purchase or construction of houses/flats for residential purposes. also provides finance on existing property for business/ personal needs and also gives loans to professionals for the purchase/ construction of clinics, nursing homes, diagnostic centres, office spaces, and equipment. The company also provides finance to builders and developers engaged in the business of construction of houses or flats for residential purposes and to be sold by them.
74GF Score
Get the complete analysis for BOM:500253
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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