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Cindrella Financial ServicesBOM:531283 66 Return-on-Tangible-Asset is 1.58% as of Jun. 2026, which is 65% below its 10-year median of 4.52. GuruFocus rates BOM:531283 with a GF Score™ of 66/100 and a GF Value™ of ₹9.46 (Fairly Valued). The stock has 1 warning sign investors should review. Among 553 Credit Services companies, Cindrella Financial Services ranks worse than 53.16% on this metric.
The historical rank and industry rank for Cindrella Financial Services's Return-on-Tangible-Asset or its related term are showing as below:
BOM:531283'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -4.99 Med: 4.52 Max: 42.94
Current: 1.76
During the past 13 years, Cindrella Financial Services's highest Return-on-Tangible-Asset was 42.94%. The lowest was -4.99%. And the median was 4.52%.
BOM:531283's Return-on-Tangible-Asset is ranked worse than 53.16% of 553
companies
in the Credit Services industry
Industry Median: 2.01
vs BOM:531283: 1.76
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.
Cindrella Financial Services Return-on-Tangible-Asset Related Terms
Cindrella 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.
BOM:531283 vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Cindrella 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.
Cindrella Financial Services Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Cindrella Financial Services's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Cindrella 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 1.58% mean?
Cindrella Financial Services (BOM:531283) has a Return-on-Tangible-Asset of 1.58% 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 Cindrella Financial Services and its competitors. This is 65% below median its historical median of 4.52. According to the industry distribution chart, Cindrella Financial Services ranks #294 out of 553 companies in the Credit Services industry, placing it in the top 53.2%.
Is Cindrella Financial Services' Return-on-Tangible-Asset too high?
Cindrella Financial Services' current Return-on-Tangible-Asset of 1.58% is 65% below median its 10-year median of 4.52. The Credit Services industry median Return-on-Tangible-Asset is 2.01. Cindrella Financial Services' value of 1.58% is 21.4% below this industry median. Based on the distribution chart, Cindrella Financial Services ranks #294 out of 553 companies in the Credit Services industry, which is below the industry midpoint. Overall, Cindrella Financial Services has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Cindrella Financial Services' Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Cindrella Financial Services ranks #294 out of 553 companies for Return-on-Tangible-Asset. This places Cindrella Financial Services in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.01. Cindrella Financial Services' value of 1.58% is 21.4% below this benchmark. While the company's 10-year median is 4.52 vs. the industry median of 2.01, Cindrella Financial Services 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 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. Cindrella Financial Services's current Return-on-Tangible-Asset of 1.58% is 21.4% 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 Cindrella 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. Cindrella Financial Services's current Return-on-Tangible-Asset is 1.58%, which is 65% below median its own 10-year median of 4.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cindrella Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Cindrella Financial Services (BOM:531283) is currently considered Fairly Valued. The stock's GF Value™ is ₹9.46, compared to a current price of ₹9.98 — trading 5.5% above its estimated fair value. The current Return-on-Tangible-Asset is 1.58%, which is 65% below median its 10-year median of 4.52 and 21.4% below the Credit Services industry median of 2.01. Cindrella Financial Services' overall GF Score™ is 66/100 with 1 warning sign 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 Cindrella Financial Services (BOM:531283), the current Return-on-Tangible-Asset is 1.58% 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 Cindrella Financial Services (BOM:531283) Overvalued in 2026?
Based on GuruFocus' analysis, Cindrella Financial Services stock appears to be overvalued.
The current stock price of ₹9.98 is trading 5.5% above its estimated GF Value™ of ₹9.46.
GuruFocus considers Cindrella Financial Services to be Fairly Valued.
Key valuation signals for BOM:531283:
Return-on-Tangible-Asset: 1.58% (65% below median its 10-year median of 4.52)
GF Value™: ₹9.46 vs. price of ₹9.98 (5.5% above fair value)
Industry Position: 21.4% below the Credit Services median (#294 of 553)
No single metric tells the full story. See the BOM:531283 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Cindrella Financial Services Ltd is an India-based company. It is a non-banking financial company. It provides long-term loans and consultancy services. The company receives maximum revenue from dividend income.
66GF Score
Get the complete analysis for BOM:531283
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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