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Citi Port Financial ServicesBOM:531235 77 Return-on-Tangible-Asset is 6.81% as of Jun. 2026, which is 1448% above its 10-year median of 0.44. GuruFocus rates BOM:531235 with a GF Score™ of 77/100 and a GF Value™ of ₹46.18 (Fairly Valued). The stock has 4 warning signs investors should review. Among 546 Credit Services companies, Citi Port Financial Services ranks better than 84.25% on this metric.
The historical rank and industry rank for Citi Port Financial Services's Return-on-Tangible-Asset or its related term are showing as below:
BOM:531235'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -1.09 Med: 0.44 Max: 6.21
Current: 6.21
During the past 13 years, Citi Port Financial Services's highest Return-on-Tangible-Asset was 6.21%. The lowest was -1.09%. And the median was 0.44%.
BOM:531235's Return-on-Tangible-Asset is ranked better than 84.25% of 546
companies
in the Credit Services industry
Industry Median: 2.005
vs BOM:531235: 6.21
Citi Port Financial Services (BOM:531235) 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.
Citi Port Financial Services Return-on-Tangible-Asset Related Terms
Citi Port Financial Services 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.
Citi Port Financial Services Return-on-Tangible-Asset Chart
BOM:531235 vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Citi Port Financial Services'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.
Citi Port Financial Services Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Citi Port Financial Services's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Citi Port Financial Services'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 6.81% mean?
Citi Port Financial Services (BOM:531235) has a Return-on-Tangible-Asset of 6.81% 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 Citi Port Financial Services and its competitors. This is 1448% above median its historical median of 0.44. According to the industry distribution chart, Citi Port Financial Services ranks #86 out of 546 companies in the Credit Services industry, placing it in the top 15.8%.
Is Citi Port Financial Services' Return-on-Tangible-Asset too high?
Citi Port Financial Services' current Return-on-Tangible-Asset of 6.81% is 1448% above median its 10-year median of 0.44. The Credit Services industry median Return-on-Tangible-Asset is 2.01. Citi Port Financial Services' value of 6.81% is 239.7% above this industry median. Based on the distribution chart, Citi Port Financial Services ranks #86 out of 546 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Citi Port Financial Services has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citi Port Financial Services' Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Citi Port Financial Services ranks #86 out of 546 companies for Return-on-Tangible-Asset. This places Citi Port Financial Services in the top 16% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 2.01. Citi Port Financial Services' value of 6.81% is 239.7% above this benchmark. While the company's 10-year median is 0.44 vs. the industry median of 2.01, Citi Port Financial Services 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 546 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. Citi Port Financial Services's current Return-on-Tangible-Asset of 6.81% is 239.7% 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 Citi Port Financial Services 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. Citi Port Financial Services's current Return-on-Tangible-Asset is 6.81%, which is 1448% above median its own 10-year median of 0.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citi Port Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Citi Port Financial Services (BOM:531235) is currently considered Fairly Valued. The stock's GF Value™ is ₹46.18, compared to a current price of ₹48.00 — trading 3.9% above its estimated fair value. The current Return-on-Tangible-Asset is 6.81%, which is 1448% above median its 10-year median of 0.44 and 239.7% above the Credit Services industry median of 2.01. Citi Port Financial Services' overall GF Score™ is 77/100 with 4 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 Citi Port Financial Services (BOM:531235), the current Return-on-Tangible-Asset is 6.81% 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 Citi Port Financial Services (BOM:531235) Overvalued in 2026?
Based on GuruFocus' analysis, Citi Port Financial Services stock appears to be overvalued.
The current stock price of ₹48.00 is trading 3.9% above its estimated GF Value™ of ₹46.18.
GuruFocus considers Citi Port Financial Services to be Fairly Valued.
Key valuation signals for BOM:531235:
Return-on-Tangible-Asset: 6.81% (1448% above median its 10-year median of 0.44)
GF Value™: ₹46.18 vs. price of ₹48.00 (3.9% above fair value)
Industry Position: 239.7% above the Credit Services median (#86 of 546)
No single metric tells the full story. See the BOM:531235 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citi Port Financial Services Ltd is engaged mainly in the business of lending operations. Its activities are focused on providing credit facilities to individuals, small and medium enterprises, and other business entities.
77GF Score
Get the complete analysis for BOM:531235
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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