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SRG Housing FinanceBOM:534680 +0.02%72 Return-on-Tangible-Asset is 2.88% as of Jun. 2026, which is 33% below its 10-year median of 4.31. GuruFocus rates BOM:534680 with a GF Score™ of 72/100 and a GF Value™ of ₹435.75 (Possible Value Trap). The stock has 8 warning signs investors should review. Among 1,518 Banks companies, SRG Housing Finance ranks better than 95.72% 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. SRG Housing Finance's annualizedNet Income for the quarter that ended in Jun. 2026 was ₹339 Mil. SRG Housing Finance's average total tangible assets for the quarter that ended in Jun. 2026 was ₹11,746 Mil. Therefore, SRG Housing Finance's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 2.88%.
The historical rank and industry rank for SRG Housing Finance's Return-on-Tangible-Asset or its related term are showing as below:
BOM:534680'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 3.15 Med: 4.31 Max: 5.51
Current: 3.39
During the past 13 years, SRG Housing Finance's highest Return-on-Tangible-Asset was 5.51%. The lowest was 3.15%. And the median was 4.31%.
BOM:534680's Return-on-Tangible-Asset is ranked better than 95.72% of 1518
companies
in the Banks industry
Industry Median: 1.03
vs BOM:534680: 3.39
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.
SRG Housing Finance Return-on-Tangible-Asset Related Terms
SRG Housing Finance Return-on-Tangible-Asset Historical Data
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The historical data trend for SRG 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:534680 vs RKT, FNMA, PFSI: Return-on-Tangible-Asset Comparison
For the Mortgage Finance subindustry, SRG 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.
SRG Housing Finance Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, SRG Housing Finance's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where SRG 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 (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 2.88% mean?
SRG Housing Finance (BOM:534680) has a Return-on-Tangible-Asset of 2.88% 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 SRG Housing Finance and its competitors. This is 33% below median its historical median of 4.31. Over the past decade, SRG Housing Finance's Return-on-Tangible-Asset has ranged from 3.15 to 5.51. According to the industry distribution chart, SRG Housing Finance ranks #65 out of 1518 companies in the Banks industry, placing it in the top 4.3%.
Is SRG Housing Finance's Return-on-Tangible-Asset too high?
SRG Housing Finance's current Return-on-Tangible-Asset of 2.88% is 33% below median its 10-year median of 4.31. Over the past 10 years, this metric has ranged from a low of 3.15 to a high of 5.51. The Banks industry median Return-on-Tangible-Asset is 1.03. SRG Housing Finance's value of 2.88% is 179.6% above this industry median. Based on the distribution chart, SRG Housing Finance ranks #65 out of 1518 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, SRG Housing Finance has a GF Score™ of 72/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SRG Housing Finance's Return-on-Tangible-Asset compare to RKT and FNMA?
According to the Banks industry distribution chart, SRG Housing Finance ranks #65 out of 1518 companies for Return-on-Tangible-Asset. This places SRG Housing Finance in the top 4% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.03. SRG Housing Finance's value of 2.88% is 179.6% above this benchmark. Historically, SRG Housing Finance's own Return-on-Tangible-Asset has ranged from 3.15 to 5.51 over the past decade. While the company's 10-year median is 4.31 vs. the industry median of 1.03, SRG 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 1.03, based on 1,518 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. SRG Housing Finance's current Return-on-Tangible-Asset of 2.88% is 179.6% 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 SRG Housing Finance 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. SRG Housing Finance's current Return-on-Tangible-Asset is 2.88%, which is 33% below median its own 10-year median of 4.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SRG Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, SRG Housing Finance (BOM:534680) is currently considered Possible Value Trap. The stock's GF Value™ is ₹435.75, compared to a current price of ₹241.35 — trading 44.6% below its estimated fair value. The current Return-on-Tangible-Asset is 2.88%, which is 33% below median its 10-year median of 4.31 and 179.6% above the Banks industry median of 1.03. SRG Housing Finance's overall GF Score™ is 72/100 with 8 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 SRG Housing Finance (BOM:534680), the current Return-on-Tangible-Asset is 2.88% 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 SRG Housing Finance (BOM:534680) Overvalued in 2026?
Based on GuruFocus' analysis, SRG Housing Finance stock appears to be undervalued.
The current stock price of ₹241.35 is trading 44.6% below its estimated GF Value™ of ₹435.75.
GuruFocus considers SRG Housing Finance to be Possible Value Trap.
Key valuation signals for BOM:534680:
Return-on-Tangible-Asset: 2.88% (33% below median its 10-year median of 4.31)
GF Value™: ₹435.75 vs. price of ₹241.35 (44.6% below fair value)
Industry Position: 179.6% above the Banks median (#65 of 1518)
No single metric tells the full story. See the BOM:534680 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SRG Housing Finance Ltd is an India-based housing finance company. The company is principally engaged in the housing and mortgage finance business. The company offers home loans for construction, additions, alterations, and repair and renovation purposes. The products and services offered by the company include individual home loans; loans against the property; and builder, project loans. Geographically, it operates within the regions of India.
72GF Score
Get the complete analysis for BOM:534680
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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