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DBH FinanceDHA:DBH +0.24%68 Return-on-Tangible-Asset is 1.17% as of Mar. 2026, which is 32% below its 10-year median of 1.72. GuruFocus rates DHA:DBH with a GF Score™ of 68/100 and a GF Value™ of BDT42.10 (Fairly Valued). The stock has 5 warning signs investors should review. Among 546 Credit Services companies, DBH Finance ranks worse than 55.68% 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. DBH Finance's annualizedNet Income for the quarter that ended in Mar. 2026 was BDT785 Mil. DBH Finance's average total tangible assets for the quarter that ended in Mar. 2026 was BDT67,351 Mil. Therefore, DBH Finance's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.17%.
The historical rank and industry rank for DBH Finance's Return-on-Tangible-Asset or its related term are showing as below:
DHA:DBH'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.37 Med: 1.72 Max: 2.06
Current: 1.37
During the past 13 years, DBH Finance's highest Return-on-Tangible-Asset was 2.06%. The lowest was 1.37%. And the median was 1.72%.
DHA:DBH's Return-on-Tangible-Asset is ranked worse than 55.68% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs DHA:DBH: 1.37
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.
DBH Finance Return-on-Tangible-Asset Related Terms
DBH Finance Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for DBH 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.
DHA:DBH vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, DBH 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.
DBH Finance Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, DBH Finance's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where DBH 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 (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.17% mean?
DBH Finance (DHA:DBH) has a Return-on-Tangible-Asset of 1.17% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on DBH Finance and its competitors. This is 32% below median its historical median of 1.72. Over the past decade, DBH Finance's Return-on-Tangible-Asset has ranged from 1.37 to 2.06. According to the industry distribution chart, DBH Finance ranks #304 out of 546 companies in the Credit Services industry, placing it in the top 55.7%.
Is DBH Finance's Return-on-Tangible-Asset too high?
DBH Finance's current Return-on-Tangible-Asset of 1.17% is 32% below median its 10-year median of 1.72. Over the past 10 years, this metric has ranged from a low of 1.37 to a high of 2.06. The Credit Services industry median Return-on-Tangible-Asset is 1.93. DBH Finance's value of 1.17% is 39.4% below this industry median. Based on the distribution chart, DBH Finance ranks #304 out of 546 companies in the Credit Services industry, which is below the industry midpoint. Overall, DBH Finance has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does DBH Finance's Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, DBH Finance ranks #304 out of 546 companies for Return-on-Tangible-Asset. This places DBH Finance in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.93. DBH Finance's value of 1.17% is 39.4% below this benchmark. Historically, DBH Finance's own Return-on-Tangible-Asset has ranged from 1.37 to 2.06 over the past decade. While the company's 10-year median is 1.72 vs. the industry median of 1.93, DBH Finance 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 1.93, 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. DBH Finance's current Return-on-Tangible-Asset of 1.17% is 39.4% 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 DBH Finance and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. DBH Finance's current Return-on-Tangible-Asset is 1.17%, which is 32% below median its own 10-year median of 1.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is DBH Finance stock overvalued right now?
Based on GuruFocus' analysis, DBH Finance (DHA:DBH) is currently considered Fairly Valued. The stock's GF Value™ is BDT42.10, compared to a current price of BDT41.70 — trading 1% below its estimated fair value. The current Return-on-Tangible-Asset is 1.17%, which is 32% below median its 10-year median of 1.72 and 39.4% below the Credit Services industry median of 1.93. DBH Finance's overall GF Score™ is 68/100 with 5 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 DBH Finance (DHA:DBH), the current Return-on-Tangible-Asset is 1.17% as of Mar. 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 DBH Finance (DHA:DBH) Overvalued in 2026?
Based on GuruFocus' analysis, DBH Finance stock appears to be undervalued.
The current stock price of BDT41.70 is trading 1% below its estimated GF Value™ of BDT42.10.
GuruFocus considers DBH Finance to be Fairly Valued.
Key valuation signals for DHA:DBH:
Return-on-Tangible-Asset: 1.17% (32% below median its 10-year median of 1.72)
GF Value™: BDT42.10 vs. price of BDT41.70 (1% below fair value)
Industry Position: 39.4% below the Credit Services median (#304 of 546)
No single metric tells the full story. See the DHA:DBH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
DBH Finance PLC is engaged in providing loans for construction of houses, purchases of flats or houses, extensions and improvements of existing houses or flats and purchase of housing plots. It has also various investment and financing products like term deposit scheme, cumulative deposit, triple money deposit, double money deposit, annual income deposit, quarterly income deposit, monthly income deposit, easy way deposit etc. for its individual and corporate clients. Its segments consist of Conventional Products & Services that offers a diverse array of conventional financial solutions developed to meet both housing and personal financial needs; and Islamic Products and services. The majority of revenue is derived from Conventional Products & Services segment.
68GF 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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