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GIC Housing FinanceBOM:511676 +2.65%54 Return-on-Tangible-Asset is 1.90% as of Mar. 2026, which is 34% above its 10-year median of 1.42. GuruFocus rates BOM:511676 with a GF Score™ of 54/100 and a GF Value™ of ₹190.62 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 1,529 Banks companies, GIC Housing Finance ranks better than 72.4% 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. GIC Housing Finance's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹2,147 Mil. GIC Housing Finance's average total tangible assets for the quarter that ended in Mar. 2026 was ₹112,821 Mil. Therefore, GIC Housing Finance's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.90%.
The historical rank and industry rank for GIC Housing Finance's Return-on-Tangible-Asset or its related term are showing as below:
BOM:511676'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.35 Med: 1.42 Max: 2.02
Current: 1.4
During the past 13 years, GIC Housing Finance's highest Return-on-Tangible-Asset was 2.02%. The lowest was 0.35%. And the median was 1.42%.
BOM:511676's Return-on-Tangible-Asset is ranked better than 72.4% of 1529
companies
in the Banks industry
Industry Median: 1.01
vs BOM:511676: 1.40
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.
GIC Housing Finance Return-on-Tangible-Asset Related Terms
GIC Housing Finance Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for GIC 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:511676 vs RKT, FNMA, PFSI: Return-on-Tangible-Asset Comparison
For the Mortgage Finance subindustry, GIC 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.
GIC Housing Finance Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, GIC Housing Finance's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where GIC 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 (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.90% mean?
GIC Housing Finance (BOM:511676) has a Return-on-Tangible-Asset of 1.90% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on GIC Housing Finance and its competitors. This is 34% above median its historical median of 1.42. Over the past decade, GIC Housing Finance's Return-on-Tangible-Asset has ranged from 0.35 to 2.02. According to the industry distribution chart, GIC Housing Finance ranks #422 out of 1529 companies in the Banks industry, placing it in the top 27.6%.
Is GIC Housing Finance's Return-on-Tangible-Asset too high?
GIC Housing Finance's current Return-on-Tangible-Asset of 1.90% is 34% above median its 10-year median of 1.42. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 2.02. The Banks industry median Return-on-Tangible-Asset is 1.01. GIC Housing Finance's value of 1.90% is 88.1% above this industry median. Based on the distribution chart, GIC Housing Finance ranks #422 out of 1529 companies in the Banks industry, which is above the industry midpoint. Overall, GIC Housing Finance has a GF Score™ of 54/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does GIC Housing Finance's Return-on-Tangible-Asset compare to RKT and FNMA?
According to the Banks industry distribution chart, GIC Housing Finance ranks #422 out of 1529 companies for Return-on-Tangible-Asset. This puts GIC Housing Finance in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.01. GIC Housing Finance's value of 1.90% is 88.1% above this benchmark. Historically, GIC Housing Finance's own Return-on-Tangible-Asset has ranged from 0.35 to 2.02 over the past decade. While the company's 10-year median is 1.42 vs. the industry median of 1.01, GIC 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 1.01, based on 1,529 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. GIC Housing Finance's current Return-on-Tangible-Asset of 1.90% is 88.1% 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 GIC Housing Finance and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GIC Housing Finance's current Return-on-Tangible-Asset is 1.90%, which is 34% above median its own 10-year median of 1.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is GIC Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, GIC Housing Finance (BOM:511676) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹190.62, compared to a current price of ₹153.15 — trading 19.7% below its estimated fair value. The current Return-on-Tangible-Asset is 1.90%, which is 34% above median its 10-year median of 1.42 and 88.1% above the Banks industry median of 1.01. GIC Housing Finance's overall GF Score™ is 54/100 with 6 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 GIC Housing Finance (BOM:511676), the current Return-on-Tangible-Asset is 1.90% 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 GIC Housing Finance (BOM:511676) Overvalued in 2026?
Based on GuruFocus' analysis, GIC Housing Finance stock appears to be undervalued.
The current stock price of ₹153.15 is trading 19.7% below its estimated GF Value™ of ₹190.62.
GuruFocus considers GIC Housing Finance to be Modestly Undervalued.
Key valuation signals for BOM:511676:
Return-on-Tangible-Asset: 1.90% (34% above median its 10-year median of 1.42)
GF Value™: ₹190.62 vs. price of ₹153.15 (19.7% below fair value)
Industry Position: 88.1% above the Banks median (#422 of 1529)
No single metric tells the full story. See the BOM:511676 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
GIC Housing Finance Ltd is a specialty finance firm located in India. It was formed with the objective of entering the field of direct lending to individuals and other corporates to accelerate housing activities in India. The primary activity of the company is granting housing loans to individuals and to persons/entities involved in the construction of houses for residential purposes. The company is exclusively engaged in the housing finance business and revenues are mainly derived from Interest Income. It operates in a single business segment which is financing.
54GF Score
Get the complete analysis for BOM:511676
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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