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Finbud Financial ServicesNSE:FINBUD +1.11%19 Return-on-Tangible-Asset is 9.87% as of Mar. 2026, which is 20% below its 10-year median of 12.29. GuruFocus rates NSE:FINBUD with a GF Score™ of 19/100. The stock has 2 warning signs investors should review. Among 549 Credit Services companies, Finbud Financial Services ranks better than 92.35% 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. Finbud Financial Services's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹116 Mil. Finbud Financial Services's average total tangible assets for the quarter that ended in Mar. 2026 was ₹1,180 Mil. Therefore, Finbud Financial Services's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 9.87%.
The historical rank and industry rank for Finbud Financial Services's Return-on-Tangible-Asset or its related term are showing as below:
NSE:FINBUD'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 6.67 Med: 12.29 Max: 15.62
Current: 9.87
During the past 4 years, Finbud Financial Services's highest Return-on-Tangible-Asset was 15.62%. The lowest was 6.67%. And the median was 12.29%.
NSE:FINBUD's Return-on-Tangible-Asset is ranked better than 92.35% of 549
companies
in the Credit Services industry
Industry Median: 2.04
vs NSE:FINBUD: 9.87
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.
Finbud Financial Services Return-on-Tangible-Asset Related Terms
Finbud Financial Services Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Finbud Financial Services'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.
NSE:FINBUD vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Finbud Financial Services'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.
Finbud Financial Services Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finbud Financial Services's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Finbud Financial Services'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. 2026) net income data.
What does a Return-on-Tangible-Asset of 9.87% mean?
Finbud Financial Services (NSE:FINBUD) has a Return-on-Tangible-Asset of 9.87% 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 Finbud Financial Services and its competitors. This is 20% below median its historical median of 12.29. Over the past decade, Finbud Financial Services' Return-on-Tangible-Asset has ranged from 6.67 to 15.62. According to the industry distribution chart, Finbud Financial Services ranks #42 out of 549 companies in the Credit Services industry, placing it in the top 7.7%.
Is Finbud Financial Services' Return-on-Tangible-Asset too high?
Finbud Financial Services' current Return-on-Tangible-Asset of 9.87% is 20% below median its 10-year median of 12.29. Over the past 10 years, this metric has ranged from a low of 6.67 to a high of 15.62. The Credit Services industry median Return-on-Tangible-Asset is 2.04. Finbud Financial Services' value of 9.87% is 383.8% above this industry median. Based on the distribution chart, Finbud Financial Services ranks #42 out of 549 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Finbud Financial Services has a GF Score™ of 19/100, reflecting its overall financial health beyond just this single metric.
How does Finbud Financial Services' Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Finbud Financial Services ranks #42 out of 549 companies for Return-on-Tangible-Asset. This places Finbud Financial Services in the top 8% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 2.04. Finbud Financial Services' value of 9.87% is 383.8% above this benchmark. Historically, Finbud Financial Services' own Return-on-Tangible-Asset has ranged from 6.67 to 15.62 over the past decade. While the company's 10-year median is 12.29 vs. the industry median of 2.04, Finbud Financial Services 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 2.04, based on 549 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. Finbud Financial Services's current Return-on-Tangible-Asset of 9.87% is 383.8% 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 Finbud Financial Services and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 2.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finbud Financial Services's current Return-on-Tangible-Asset is 9.87%, which is 20% below median its own 10-year median of 12.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finbud Financial Services stock overvalued right now?
Finbud Financial Services (NSE:FINBUD) has a current Return-on-Tangible-Asset of 9.87%. The current Return-on-Tangible-Asset is 9.87%, which is 20% below median its 10-year median of 12.29 and 383.8% above the Credit Services industry median of 2.04. Finbud Financial Services' overall GF Score™ is 19/100 with 2 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 Finbud Financial Services (NSE:FINBUD), the current Return-on-Tangible-Asset is 9.87% 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.
Finbud Financial Services Ltd is engaged in the business of financial advisory, brokerage, and consultancy services, operating as a retail loan aggregation platform in India that helps people obtain personal, business, and home loans from banks and non-banking financial companies. The company acquires customers through a hybrid strategy using digital marketing and a wide network of external agents, and earns a commission from lenders upon loan disbursement. Its hybrid business model includes conventional lending through the Agent channel and digital lending through the Digital Channel, supported by partnerships with a wide network of lenders to offer tailored loan solutions that meet diverse customer needs.
19GF Score
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