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Sahara HousingfinaBOM:511533 -2.17%65 Return-on-Tangible-Asset is 0.96% as of Jun. 2026, which is 36% below its 10-year median of 1.49. GuruFocus rates BOM:511533 with a GF Score™ of 65/100 and a GF Value™ of ₹34.78 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,523 Banks companies, Sahara Housingfina ranks worse than 82.99% 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. Sahara Housingfina's annualizedNet Income for the quarter that ended in Jun. 2026 was ₹6.64 Mil. Sahara Housingfina's average total tangible assets for the quarter that ended in Jun. 2026 was ₹688.93 Mil. Therefore, Sahara Housingfina's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 0.96%.
The historical rank and industry rank for Sahara Housingfina's Return-on-Tangible-Asset or its related term are showing as below:
BOM:511533'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.4 Med: 1.49 Max: 1.85
Current: 0.4
During the past 13 years, Sahara Housingfina's highest Return-on-Tangible-Asset was 1.85%. The lowest was 0.40%. And the median was 1.49%.
BOM:511533's Return-on-Tangible-Asset is ranked worse than 82.99% of 1523
companies
in the Banks industry
Industry Median: 1.03
vs BOM:511533: 0.40
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.
Sahara Housingfina Return-on-Tangible-Asset Related Terms
Sahara Housingfina Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Sahara Housingfina'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:511533 vs RKT, FNMA, PFSI: Return-on-Tangible-Asset Comparison
For the Mortgage Finance subindustry, Sahara Housingfina'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.
Sahara Housingfina Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Sahara Housingfina's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Sahara Housingfina'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 0.96% mean?
Sahara Housingfina (BOM:511533) has a Return-on-Tangible-Asset of 0.96% 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 Sahara Housingfina and its competitors. This is 36% below median its historical median of 1.49. Over the past decade, Sahara Housingfina's Return-on-Tangible-Asset has ranged from 0.40 to 1.85. According to the industry distribution chart, Sahara Housingfina ranks #1264 out of 1523 companies in the Banks industry, placing it in the top 83%.
Is Sahara Housingfina's Return-on-Tangible-Asset too high?
Sahara Housingfina's current Return-on-Tangible-Asset of 0.96% is 36% below median its 10-year median of 1.49. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 1.85. The Banks industry median Return-on-Tangible-Asset is 1.03. Sahara Housingfina's value of 0.96% is 6.8% below this industry median. Based on the distribution chart, Sahara Housingfina ranks #1264 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Sahara Housingfina has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sahara Housingfina's Return-on-Tangible-Asset compare to RKT and FNMA?
According to the Banks industry distribution chart, Sahara Housingfina ranks #1264 out of 1523 companies for Return-on-Tangible-Asset. This places Sahara Housingfina in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.03. Sahara Housingfina's value of 0.96% is 6.8% below this benchmark. Historically, Sahara Housingfina's own Return-on-Tangible-Asset has ranged from 0.40 to 1.85 over the past decade. While the company's 10-year median is 1.49 vs. the industry median of 1.03, Sahara Housingfina 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.03, based on 1,523 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. Sahara Housingfina's current Return-on-Tangible-Asset of 0.96% is 6.8% 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 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 Sahara Housingfina 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. Sahara Housingfina's current Return-on-Tangible-Asset is 0.96%, which is 36% below median its own 10-year median of 1.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sahara Housingfina stock overvalued right now?
Based on GuruFocus' analysis, Sahara Housingfina (BOM:511533) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹34.78, compared to a current price of ₹39.13 — trading 12.5% above its estimated fair value. The current Return-on-Tangible-Asset is 0.96%, which is 36% below median its 10-year median of 1.49 and 6.8% below the Banks industry median of 1.03. Sahara Housingfina's overall GF Score™ is 65/100 with 7 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 Sahara Housingfina (BOM:511533), the current Return-on-Tangible-Asset is 0.96% 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 Sahara Housingfina (BOM:511533) Overvalued in 2026?
Based on GuruFocus' analysis, Sahara Housingfina stock appears to be overvalued.
The current stock price of ₹39.13 is trading 12.5% above its estimated GF Value™ of ₹34.78.
GuruFocus considers Sahara Housingfina to be Modestly Overvalued.
Key valuation signals for BOM:511533:
Return-on-Tangible-Asset: 0.96% (36% below median its 10-year median of 1.49)
GF Value™: ₹34.78 vs. price of ₹39.13 (12.5% above fair value)
Industry Position: 6.8% below the Banks median (#1264 of 1523)
No single metric tells the full story. See the BOM:511533 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sahara Housingfina Corp Ltd is an Indian company engaged in carrying out activities of housing finance companies (Housing Loans and Non-Housing Loans). Its product portfolio includes Individual Housing Loans, Home Improvement Loans, Home Extension loans, Land Loans, Home Loan Plus, Mortgage Loans, Non-Residential Property Loans, Home Loan Enhancement, and Loan Take Over / Balance Transfer. The company is exclusively engaged in the Housing Finance business, and revenues are mainly derived from this activity. The company generates the majority of its revenue from Interest Income.
65GF Score
Get the complete analysis for BOM:511533
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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