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OnEMI Technology SolutionsBOM:544754 +1.18%17 Return-on-Tangible-Asset is 7.15% as of Mar. 2025, which is at its 10-year median of 7.15. GuruFocus rates BOM:544754 with a GF Score™ of 17/100. The stock has 8 warning signs investors should review. Among 546 Credit Services companies, OnEMI Technology Solutions ranks better than 88.1% 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. OnEMI Technology Solutions's annualizedNet Income for the quarter that ended in Mar. 2025 was ₹1,606 Mil. OnEMI Technology Solutions's average total tangible assets for the quarter that ended in Mar. 2025 was ₹22,449 Mil. Therefore, OnEMI Technology Solutions's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2025 was 7.15%.
The historical rank and industry rank for OnEMI Technology Solutions's Return-on-Tangible-Asset or its related term are showing as below:
BOM:544754'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 2.18 Med: 7.15 Max: 12.87
Current: 7.15
During the past 3 years, OnEMI Technology Solutions's highest Return-on-Tangible-Asset was 12.87%. The lowest was 2.18%. And the median was 7.15%.
BOM:544754's Return-on-Tangible-Asset is ranked better than 88.1% of 546
companies
in the Credit Services industry
Industry Median: 2.005
vs BOM:544754: 7.15
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.
OnEMI Technology Solutions Return-on-Tangible-Asset Related Terms
OnEMI Technology Solutions 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:544754 vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, OnEMI Technology Solutions'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.
OnEMI Technology Solutions Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, OnEMI Technology Solutions's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where OnEMI Technology Solutions'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 one times the annual (Mar. 2025) net income data.
What does a Return-on-Tangible-Asset of 7.15% mean?
OnEMI Technology Solutions (BOM:544754) has a Return-on-Tangible-Asset of 7.15% as of Mar. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on OnEMI Technology Solutions and its competitors. This is near median its historical median of 7.15. Over the past decade, OnEMI Technology Solutions' Return-on-Tangible-Asset has ranged from 2.18 to 12.87. According to the industry distribution chart, OnEMI Technology Solutions ranks #65 out of 546 companies in the Credit Services industry, placing it in the top 11.9%.
Is OnEMI Technology Solutions' Return-on-Tangible-Asset too high?
OnEMI Technology Solutions' current Return-on-Tangible-Asset of 7.15% is near median its 10-year median of 7.15. Over the past 10 years, this metric has ranged from a low of 2.18 to a high of 12.87. The Credit Services industry median Return-on-Tangible-Asset is 2.01. OnEMI Technology Solutions' value of 7.15% is 256.6% above this industry median. Based on the distribution chart, OnEMI Technology Solutions ranks #65 out of 546 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, OnEMI Technology Solutions has a GF Score™ of 17/100, reflecting its overall financial health beyond just this single metric.
How does OnEMI Technology Solutions' Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, OnEMI Technology Solutions ranks #65 out of 546 companies for Return-on-Tangible-Asset. This places OnEMI Technology Solutions in the top 12% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 2.01. OnEMI Technology Solutions' value of 7.15% is 256.6% above this benchmark. Historically, OnEMI Technology Solutions' own Return-on-Tangible-Asset has ranged from 2.18 to 12.87 over the past decade. While the company's 10-year median is 7.15 vs. the industry median of 2.01, OnEMI Technology Solutions 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. OnEMI Technology Solutions's current Return-on-Tangible-Asset of 7.15% is 256.6% 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 OnEMI Technology Solutions 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. OnEMI Technology Solutions's current Return-on-Tangible-Asset is 7.15%, which is near median its own 10-year median of 7.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OnEMI Technology Solutions stock overvalued right now?
OnEMI Technology Solutions (BOM:544754) has a current Return-on-Tangible-Asset of 7.15%. The current Return-on-Tangible-Asset is 7.15%, which is near median its 10-year median of 7.15 and 256.6% above the Credit Services industry median of 2.01. OnEMI Technology Solutions' overall GF Score™ is 17/100 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 OnEMI Technology Solutions (BOM:544754), the current Return-on-Tangible-Asset is 7.15% as of Mar. 2025. 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.
OnEMI Technology Solutions Ltd operates a digital lending platform in India, providing financing solutions to consumers. Its offerings include personal loans and secured loans such as loan against property (LAP). It uses data analytics, alternative credit assessment methods, and technology infrastructure to support its lending operations. The majority of the company's revenue is derived from Interest on loans and Sourcing and servicing fees.
17GF Score
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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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