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Sera Investments & Finance IndiaBOM:512399 +0.87%44 Return-on-Tangible-Asset is 57.26% as of Jun. 2026, which is 4712% above its 10-year median of 1.19. GuruFocus rates BOM:512399 with a GF Score™ of 44/100. The stock has 3 warning signs investors should review. Among 553 Credit Services companies, Sera Investments & Finance India ranks better than 98.19% on this metric.
The historical rank and industry rank for Sera Investments & Finance India's Return-on-Tangible-Asset or its related term are showing as below:
BOM:512399'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -26 Med: 1.19 Max: 24.78
Current: 24.78
During the past 13 years, Sera Investments & Finance India's highest Return-on-Tangible-Asset was 24.78%. The lowest was -26.00%. And the median was 1.19%.
BOM:512399's Return-on-Tangible-Asset is ranked better than 98.19% of 553
companies
in the Credit Services industry
Industry Median: 2.01
vs BOM:512399: 24.78
Sera Investments & Finance India (BOM:512399) Return-on-Tangible-Asset Explanation
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.
Sera Investments & Finance India Return-on-Tangible-Asset Related Terms
Sera Investments & Finance India Return-on-Tangible-Asset Historical Data
* 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.
Sera Investments & Finance India Return-on-Tangible-Asset Chart
BOM:512399 vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Sera Investments & Finance India'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.
Sera Investments & Finance India Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sera Investments & Finance India's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Sera Investments & Finance India'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 57.26% mean?
Sera Investments & Finance India (BOM:512399) has a Return-on-Tangible-Asset of 57.26% 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 Sera Investments & Finance India and its competitors. This is 4712% above median its historical median of 1.19. According to the industry distribution chart, Sera Investments & Finance India ranks #10 out of 553 companies in the Credit Services industry, placing it in the top 1.8%.
Is Sera Investments & Finance India's Return-on-Tangible-Asset too high?
Sera Investments & Finance India's current Return-on-Tangible-Asset of 57.26% is 4712% above median its 10-year median of 1.19. The Credit Services industry median Return-on-Tangible-Asset is 2.01. Sera Investments & Finance India's value of 57.26% is 2748.8% above this industry median. Based on the distribution chart, Sera Investments & Finance India ranks #10 out of 553 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Sera Investments & Finance India has a GF Score™ of 44/100, reflecting its overall financial health beyond just this single metric.
How does Sera Investments & Finance India's Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Sera Investments & Finance India ranks #10 out of 553 companies for Return-on-Tangible-Asset. This places Sera Investments & Finance India in the top 2% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 2.01. Sera Investments & Finance India's value of 57.26% is 2748.8% above this benchmark. While the company's 10-year median is 1.19 vs. the industry median of 2.01, Sera Investments & Finance India 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 Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 2.01, based on 553 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. Sera Investments & Finance India's current Return-on-Tangible-Asset of 57.26% is 2748.8% 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 Sera Investments & Finance India and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 2.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sera Investments & Finance India's current Return-on-Tangible-Asset is 57.26%, which is 4712% above median its own 10-year median of 1.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sera Investments & Finance India stock overvalued right now?
Sera Investments & Finance India (BOM:512399) has a current Return-on-Tangible-Asset of 57.26%. The current Return-on-Tangible-Asset is 57.26%, which is 4712% above median its 10-year median of 1.19 and 2748.8% above the Credit Services industry median of 2.01. Sera Investments & Finance India's overall GF Score™ is 44/100 with 3 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 Sera Investments & Finance India (BOM:512399), the current Return-on-Tangible-Asset is 57.26% 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.
Sera Investments & Finance India Ltd is an India-based company engaged in the provision of financial services. The company operates through a single segment namely Non-Banking financial activities.
44GF Score
Get the complete analysis for BOM:512399
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