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IPDC FinanceDHA:IPDC -2.10%63 Return-on-Tangible-Asset is 0.27% as of Mar. 2026, which is 73% below its 10-year median of 1.01. GuruFocus rates DHA:IPDC with a GF Score™ of 63/100 and a GF Value™ of BDT22.65 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 545 Credit Services companies, IPDC Finance ranks worse than 69.72% 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. IPDC Finance's annualizedNet Income for the quarter that ended in Mar. 2026 was BDT261 Mil. IPDC Finance's average total tangible assets for the quarter that ended in Mar. 2026 was BDT98,116 Mil. Therefore, IPDC Finance's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.27%.
The historical rank and industry rank for IPDC Finance's Return-on-Tangible-Asset or its related term are showing as below:
DHA:IPDC'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.38 Med: 1.01 Max: 1.97
Current: 0.51
During the past 12 years, IPDC Finance's highest Return-on-Tangible-Asset was 1.97%. The lowest was 0.38%. And the median was 1.01%.
DHA:IPDC's Return-on-Tangible-Asset is ranked worse than 69.72% of 545
companies
in the Credit Services industry
Industry Median: 1.91
vs DHA:IPDC: 0.51
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.
IPDC Finance Return-on-Tangible-Asset Related Terms
IPDC Finance Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for IPDC 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:IPDC vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, IPDC 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.
IPDC Finance Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IPDC Finance's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where IPDC 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 0.27% mean?
IPDC Finance (DHA:IPDC) has a Return-on-Tangible-Asset of 0.27% 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 IPDC Finance and its competitors. This is 73% below median its historical median of 1.01. Over the past decade, IPDC Finance's Return-on-Tangible-Asset has ranged from 0.38 to 1.97. According to the industry distribution chart, IPDC Finance ranks #380 out of 545 companies in the Credit Services industry, placing it in the top 69.7%.
Is IPDC Finance's Return-on-Tangible-Asset too high?
IPDC Finance's current Return-on-Tangible-Asset of 0.27% is 73% below median its 10-year median of 1.01. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 1.97. The Credit Services industry median Return-on-Tangible-Asset is 1.91. IPDC Finance's value of 0.27% is 85.9% below this industry median. Based on the distribution chart, IPDC Finance ranks #380 out of 545 companies in the Credit Services industry, which is below the industry midpoint. Overall, IPDC Finance has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IPDC Finance's Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, IPDC Finance ranks #380 out of 545 companies for Return-on-Tangible-Asset. This places IPDC Finance in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.91. IPDC Finance's value of 0.27% is 85.9% below this benchmark. Historically, IPDC Finance's own Return-on-Tangible-Asset has ranged from 0.38 to 1.97 over the past decade. While the company's 10-year median is 1.01 vs. the industry median of 1.91, IPDC 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 1.91, based on 545 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. IPDC Finance's current Return-on-Tangible-Asset of 0.27% is 85.9% 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 IPDC Finance and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IPDC Finance's current Return-on-Tangible-Asset is 0.27%, which is 73% below median its own 10-year median of 1.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IPDC Finance stock overvalued right now?
Based on GuruFocus' analysis, IPDC Finance (DHA:IPDC) is currently considered Significantly Overvalued. The stock's GF Value™ is BDT22.65, compared to a current price of BDT32.60 — trading 43.9% above its estimated fair value. The current Return-on-Tangible-Asset is 0.27%, which is 73% below median its 10-year median of 1.01 and 85.9% below the Credit Services industry median of 1.91. IPDC Finance's overall GF Score™ is 63/100 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 IPDC Finance (DHA:IPDC), the current Return-on-Tangible-Asset is 0.27% 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 IPDC Finance (DHA:IPDC) Overvalued in 2026?
Based on GuruFocus' analysis, IPDC Finance stock appears to be overvalued.
The current stock price of BDT32.60 is trading 43.9% above its estimated GF Value™ of BDT22.65.
GuruFocus considers IPDC Finance to be Significantly Overvalued.
Key valuation signals for DHA:IPDC:
Return-on-Tangible-Asset: 0.27% (73% below median its 10-year median of 1.01)
GF Value™: BDT22.65 vs. price of BDT32.60 (43.9% above fair value)
Industry Position: 85.9% below the Credit Services median (#380 of 545)
No single metric tells the full story. See the DHA:IPDC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IPDC Finance PLC has diversified its product portfolio and evolved as multiproduct financial institution that is specialised in providing long term and short term finance, project finance, lease finance, supply chain finance, home loan, equity financing, syndication finance, retail finance, Small & Medium Enterprises (SME) finance, asset backed securitisation, retailer finance, factoring finance, and related consultancies. Its segments are Corporate, SME & Emerging, Corporate, and Retail Treasury. The company generates majority of revenue from Corporate segment.
63GF Score
Get the complete analysis for DHA:IPDC
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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