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Paisalo DigitalLUX:SEINV 73 Return-on-Tangible-Asset is 4.59% as of Mar. 2026, which is 45% above its 10-year median of 3.16. GuruFocus rates LUX:SEINV with a GF Score™ of 73/100 and a GF Value™ of $2.73. The stock has 11 warning signs investors should review. Among 548 Credit Services companies, Paisalo Digital ranks better than 74.27% 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. Paisalo Digital's annualizedNet Income for the quarter that ended in Mar. 2026 was $31.1 Mil. Paisalo Digital's average total tangible assets for the quarter that ended in Mar. 2026 was $678.7 Mil. Therefore, Paisalo Digital's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 4.59%.
The historical rank and industry rank for Paisalo Digital's Return-on-Tangible-Asset or its related term are showing as below:
LUX:SEINV'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 2.45 Med: 3.16 Max: 4.79
Current: 4.16
During the past 13 years, Paisalo Digital's highest Return-on-Tangible-Asset was 4.79%. The lowest was 2.45%. And the median was 3.16%.
LUX:SEINV's Return-on-Tangible-Asset is ranked better than 74.27% of 548
companies
in the Credit Services industry
Industry Median: 1.965
vs LUX:SEINV: 4.16
Paisalo Digital (LUX:SEINV) Return-on-Tangible-Asset Explanation
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.
Paisalo Digital Return-on-Tangible-Asset Related Terms
Paisalo Digital Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Paisalo Digital'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.
LUX:SEINV vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Paisalo Digital'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.
Paisalo Digital Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Paisalo Digital's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Paisalo Digital'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 4.59% mean?
Paisalo Digital (LUX:SEINV) has a Return-on-Tangible-Asset of 4.59% 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 Paisalo Digital and its competitors. This is 45% above median its historical median of 3.16. Over the past decade, Paisalo Digital's Return-on-Tangible-Asset has ranged from 2.45 to 4.79. According to the industry distribution chart, Paisalo Digital ranks #141 out of 548 companies in the Credit Services industry, placing it in the top 25.7%.
Is Paisalo Digital's Return-on-Tangible-Asset too high?
Paisalo Digital's current Return-on-Tangible-Asset of 4.59% is 45% above median its 10-year median of 3.16. Over the past 10 years, this metric has ranged from a low of 2.45 to a high of 4.79. The Credit Services industry median Return-on-Tangible-Asset is 1.97. Paisalo Digital's value of 4.59% is 133.6% above this industry median. Based on the distribution chart, Paisalo Digital ranks #141 out of 548 companies in the Credit Services industry, which is above the industry midpoint. Overall, Paisalo Digital has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does Paisalo Digital's Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Paisalo Digital ranks #141 out of 548 companies for Return-on-Tangible-Asset. This puts Paisalo Digital in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.97. Paisalo Digital's value of 4.59% is 133.6% above this benchmark. Historically, Paisalo Digital's own Return-on-Tangible-Asset has ranged from 2.45 to 4.79 over the past decade. While the company's 10-year median is 3.16 vs. the industry median of 1.97, Paisalo Digital 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 1.97, based on 548 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. Paisalo Digital's current Return-on-Tangible-Asset of 4.59% is 133.6% 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 Paisalo Digital and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paisalo Digital's current Return-on-Tangible-Asset is 4.59%, which is 45% above median its own 10-year median of 3.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paisalo Digital stock overvalued right now?
Paisalo Digital (LUX:SEINV) has a current Return-on-Tangible-Asset of 4.59%. The stock's GF Value™ is $2.73, compared to a current price of $3.76 — trading 37.7% above its estimated fair value. The current Return-on-Tangible-Asset is 4.59%, which is 45% above median its 10-year median of 3.16 and 133.6% above the Credit Services industry median of 1.97. Paisalo Digital's overall GF Score™ is 73/100 with 11 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 Paisalo Digital (LUX:SEINV), the current Return-on-Tangible-Asset is 4.59% 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 Paisalo Digital (LUX:SEINV) Overvalued in 2026?
Based on GuruFocus' analysis, Paisalo Digital stock appears to be overvalued.
The current stock price of $3.76 is trading 37.7% above its estimated GF Value™ of $2.73.
Key valuation signals for LUX:SEINV:
Return-on-Tangible-Asset: 4.59% (45% above median its 10-year median of 3.16)
GF Value™: $2.73 vs. price of $3.76 (37.7% above fair value)
Industry Position: 133.6% above the Credit Services median (#141 of 548)
No single metric tells the full story. See the LUX:SEINV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Paisalo Digital Ltd is a non-deposit-taking non-banking finance company that offers financial services to underserved individuals in India. The product portfolio of the company consists of business loans, loans for small and medium enterprises, income generation loans, mobility loans, entrepreneurial loans, and others. It lends to individuals, SSIs, SMEs, and other manufacturing, trading, and service sector entities, among others.
73GF Score
Get the complete analysis for LUX:SEINV
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