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Ugro CapitalNSE:UGROCAP -1.08%71 Return-on-Tangible-Asset is 1.50% as of Mar. 2026, which is 21% below its 10-year median of 1.89. GuruFocus rates NSE:UGROCAP with a GF Score™ of 71/100 and a GF Value™ of ₹268.03 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 547 Credit Services companies, Ugro Capital ranks worse than 53.2% 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. Ugro Capital's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹2,044 Mil. Ugro Capital's average total tangible assets for the quarter that ended in Mar. 2026 was ₹136,591 Mil. Therefore, Ugro Capital's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.50%.
The historical rank and industry rank for Ugro Capital's Return-on-Tangible-Asset or its related term are showing as below:
NSE:UGROCAP'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.64 Med: 1.89 Max: 7.78
Current: 1.57
During the past 13 years, Ugro Capital's highest Return-on-Tangible-Asset was 7.78%. The lowest was 0.64%. And the median was 1.89%.
NSE:UGROCAP's Return-on-Tangible-Asset is ranked worse than 53.2% of 547
companies
in the Credit Services industry
Industry Median: 1.94
vs NSE:UGROCAP: 1.57
Ugro Capital (NSE:UGROCAP) 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.
Ugro Capital Return-on-Tangible-Asset Related Terms
Ugro Capital Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Ugro Capital'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:UGROCAP vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Ugro Capital'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.
Ugro Capital Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ugro Capital's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Ugro Capital'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 1.50% mean?
Ugro Capital (NSE:UGROCAP) has a Return-on-Tangible-Asset of 1.50% 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 Ugro Capital and its competitors. This is 21% below median its historical median of 1.89. Over the past decade, Ugro Capital's Return-on-Tangible-Asset has ranged from 0.64 to 7.78. According to the industry distribution chart, Ugro Capital ranks #291 out of 547 companies in the Credit Services industry, placing it in the top 53.2%.
Is Ugro Capital's Return-on-Tangible-Asset too high?
Ugro Capital's current Return-on-Tangible-Asset of 1.50% is 21% below median its 10-year median of 1.89. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 7.78. The Credit Services industry median Return-on-Tangible-Asset is 1.94. Ugro Capital's value of 1.50% is 22.7% below this industry median. Based on the distribution chart, Ugro Capital ranks #291 out of 547 companies in the Credit Services industry, which is below the industry midpoint. Overall, Ugro Capital has a GF Score™ of 71/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Ugro Capital's Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Ugro Capital ranks #291 out of 547 companies for Return-on-Tangible-Asset. This places Ugro Capital in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.94. Ugro Capital's value of 1.50% is 22.7% below this benchmark. Historically, Ugro Capital's own Return-on-Tangible-Asset has ranged from 0.64 to 7.78 over the past decade. While the company's 10-year median is 1.89 vs. the industry median of 1.94, Ugro Capital 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 1.94, based on 547 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. Ugro Capital's current Return-on-Tangible-Asset of 1.50% is 22.7% 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 Ugro Capital and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ugro Capital's current Return-on-Tangible-Asset is 1.50%, which is 21% below median its own 10-year median of 1.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ugro Capital stock overvalued right now?
Based on GuruFocus' analysis, Ugro Capital (NSE:UGROCAP) is currently considered Possible Value Trap. The stock's GF Value™ is ₹268.03, compared to a current price of ₹92.77 — trading 65.4% below its estimated fair value. The current Return-on-Tangible-Asset is 1.50%, which is 21% below median its 10-year median of 1.89 and 22.7% below the Credit Services industry median of 1.94. Ugro Capital's overall GF Score™ is 71/100 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 Ugro Capital (NSE:UGROCAP), the current Return-on-Tangible-Asset is 1.50% 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 Ugro Capital (NSE:UGROCAP) Overvalued in 2026?
Based on GuruFocus' analysis, Ugro Capital stock appears to be undervalued.
The current stock price of ₹92.77 is trading 65.4% below its estimated GF Value™ of ₹268.03.
GuruFocus considers Ugro Capital to be Possible Value Trap.
Key valuation signals for NSE:UGROCAP:
Return-on-Tangible-Asset: 1.50% (21% below median its 10-year median of 1.89)
GF Value™: ₹268.03 vs. price of ₹92.77 (65.4% below fair value)
Industry Position: 22.7% below the Credit Services median (#291 of 547)
No single metric tells the full story. See the NSE:UGROCAP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ugro Capital Ltd is a india based company, along with its subsidiarires engaged in the business of lending and deals in financing MSME sector with focus on Healthcare, Education, Chemicals, Food Processing/FMCG, Hospitality, Electrical Equipment & Components, Auto Components, and Light Engineering, Enterprise Mortgage Loans, School Funding Program, Machinery and Equipment Financing, Supply Chain Finance, NBFC Onward Lending and operates a fintech platform which forms part of the embedded finance ecosystem. The Group operates in a single segment, i.e., financing. It operates solely in India.
71GF Score
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