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Aadhar Housing FinanceBOM:544176 -1.23%38 Return-on-Tangible-Asset is 4.12% as of Jun. 2026, which is 7% above its 10-year median of 3.86. GuruFocus rates BOM:544176 with a GF Score™ of 38/100. The stock has 6 warning signs investors should review. Among 1,519 Banks companies, Aadhar Housing Finance ranks better than 97.37% 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. Aadhar Housing Finance's annualizedNet Income for the quarter that ended in Jun. 2026 was ₹11,294 Mil. Aadhar Housing Finance's average total tangible assets for the quarter that ended in Jun. 2026 was ₹273,965 Mil. Therefore, Aadhar Housing Finance's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 4.12%.
The historical rank and industry rank for Aadhar Housing Finance's Return-on-Tangible-Asset or its related term are showing as below:
BOM:544176'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 2.5 Med: 3.86 Max: 4.52
Current: 4.52
During the past 6 years, Aadhar Housing Finance's highest Return-on-Tangible-Asset was 4.52%. The lowest was 2.50%. And the median was 3.86%.
BOM:544176's Return-on-Tangible-Asset is ranked better than 97.37% of 1519
companies
in the Banks industry
Industry Median: 1.02
vs BOM:544176: 4.52
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.
Aadhar Housing Finance Return-on-Tangible-Asset Related Terms
Aadhar Housing Finance Return-on-Tangible-Asset Historical Data
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The historical data trend for Aadhar 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:544176 vs RKT, FNMA, PFSI: Return-on-Tangible-Asset Comparison
For the Mortgage Finance subindustry, Aadhar 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.
Aadhar Housing Finance Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Aadhar Housing Finance's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Aadhar 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 4.12% mean?
Aadhar Housing Finance (BOM:544176) has a Return-on-Tangible-Asset of 4.12% 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 Aadhar Housing Finance and its competitors. This is near median its historical median of 3.86. Over the past decade, Aadhar Housing Finance's Return-on-Tangible-Asset has ranged from 2.50 to 4.52. According to the industry distribution chart, Aadhar Housing Finance ranks #40 out of 1519 companies in the Banks industry, placing it in the top 2.6%.
Is Aadhar Housing Finance's Return-on-Tangible-Asset too high?
Aadhar Housing Finance's current Return-on-Tangible-Asset of 4.12% is near median its 10-year median of 3.86. Over the past 10 years, this metric has ranged from a low of 2.50 to a high of 4.52. The Banks industry median Return-on-Tangible-Asset is 1.02. Aadhar Housing Finance's value of 4.12% is 303.9% above this industry median. Based on the distribution chart, Aadhar Housing Finance ranks #40 out of 1519 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Aadhar Housing Finance has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does Aadhar Housing Finance's Return-on-Tangible-Asset compare to RKT and FNMA?
According to the Banks industry distribution chart, Aadhar Housing Finance ranks #40 out of 1519 companies for Return-on-Tangible-Asset. This places Aadhar Housing Finance in the top 3% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.02. Aadhar Housing Finance's value of 4.12% is 303.9% above this benchmark. Historically, Aadhar Housing Finance's own Return-on-Tangible-Asset has ranged from 2.50 to 4.52 over the past decade. While the company's 10-year median is 3.86 vs. the industry median of 1.02, Aadhar 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 1.02, based on 1,519 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. Aadhar Housing Finance's current Return-on-Tangible-Asset of 4.12% is 303.9% 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 Aadhar Housing Finance and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aadhar Housing Finance's current Return-on-Tangible-Asset is 4.12%, which is near median its own 10-year median of 3.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aadhar Housing Finance stock overvalued right now?
Aadhar Housing Finance (BOM:544176) has a current Return-on-Tangible-Asset of 4.12%. The current Return-on-Tangible-Asset is 4.12%, which is near median its 10-year median of 3.86 and 303.9% above the Banks industry median of 1.02. Aadhar Housing Finance's overall GF Score™ is 38/100 with 6 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 Aadhar Housing Finance (BOM:544176), the current Return-on-Tangible-Asset is 4.12% 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.
Aadhar Housing Finance Ltd is a housing finance company. It provides home loan services to the low-to-middle-income group segment in the low-income housing finance sector. The Company offers a range of mortgage-related loan products, including loans for residential property purchase and construction; home improvement and extension loans; loans for commercial property construction and acquisition, and loans against residential properties. Geographically, it generates all of its revenue within India.
38GF Score
Get the complete analysis for BOM:544176
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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