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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. Sarvottam Finvest's annualizedNet Income for the quarter that ended in Jun. 2026 was ₹2.02 Mil. Sarvottam Finvest's average total tangible assets for the quarter that ended in Jun. 2026 was ₹246.45 Mil. Therefore, Sarvottam Finvest's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 0.82%.
The historical rank and industry rank for Sarvottam Finvest's Return-on-Tangible-Asset or its related term are showing as below:
BOM:539124'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -4.62 Med: -0.49 Max: 1.85
Current: -0.84
During the past 12 years, Sarvottam Finvest's highest Return-on-Tangible-Asset was 1.85%. The lowest was -4.62%. And the median was -0.49%.
BOM:539124's Return-on-Tangible-Asset is ranked worse than 79.23% of 549
companies
in the Credit Services industry
Industry Median: 2.04
vs BOM:539124: -0.84
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.
Sarvottam Finvest Return-on-Tangible-Asset Related Terms
Sarvottam Finvest Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Sarvottam Finvest'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:539124 vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Sarvottam Finvest'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.
Sarvottam Finvest Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sarvottam Finvest's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Sarvottam Finvest'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 0.82% mean?
Sarvottam Finvest (BOM:539124) has a Return-on-Tangible-Asset of 0.82% 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 Sarvottam Finvest and its competitors. According to the industry distribution chart, Sarvottam Finvest ranks #435 out of 549 companies in the Credit Services industry, placing it in the top 79.2%.
Is Sarvottam Finvest's Return-on-Tangible-Asset too high?
Sarvottam Finvest's current Return-on-Tangible-Asset is 0.82%. The Credit Services industry median Return-on-Tangible-Asset is 2.04. Sarvottam Finvest's value of 0.82% is 59.8% below this industry median. Based on the distribution chart, Sarvottam Finvest ranks #435 out of 549 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Sarvottam Finvest has a GF Score™ of 58/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Sarvottam Finvest's Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Sarvottam Finvest ranks #435 out of 549 companies for Return-on-Tangible-Asset. This places Sarvottam Finvest in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.04. Sarvottam Finvest's value of 0.82% is 59.8% below this benchmark. 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 2.04, based on 549 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. Sarvottam Finvest's current Return-on-Tangible-Asset of 0.82% is 59.8% 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 Sarvottam Finvest and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 2.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sarvottam Finvest's current Return-on-Tangible-Asset is 0.82%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sarvottam Finvest stock overvalued right now?
Based on GuruFocus' analysis, Sarvottam Finvest (BOM:539124) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹23.57, compared to a current price of ₹18.86 — trading 20% below its estimated fair value. The current Return-on-Tangible-Asset is 0.82% and 59.8% below the Credit Services industry median of 2.04. Sarvottam Finvest's overall GF Score™ is 58/100 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 Sarvottam Finvest (BOM:539124), the current Return-on-Tangible-Asset is 0.82% 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 Sarvottam Finvest (BOM:539124) Overvalued in 2026?
Based on GuruFocus' analysis, Sarvottam Finvest stock appears to be undervalued.
The current stock price of ₹18.86 is trading 20% below its estimated GF Value™ of ₹23.57.
GuruFocus considers Sarvottam Finvest to be Modestly Undervalued.
Key valuation signals for BOM:539124:
Return-on-Tangible-Asset: 0.82%
GF Value™: ₹23.57 vs. price of ₹18.86 (20% below fair value)
Industry Position: 59.8% below the Credit Services median (#435 of 549)
No single metric tells the full story. See the BOM:539124 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sarvottam Finvest Ltd is an Indian-based non-banking financial company. Its business is to make both long-term and short-term investments in quoted as well as unquoted shares. The company also gives short-term and long-term loans to its borrowers. It earns revenue through interest on loans given to the borrowers, dividends on investments, and revenue by purchase and sale of shares and securities. It is engaged in only one segment which is Financing and all of the Operations are in India.
58GF Score
Get the complete analysis for BOM:539124
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