Shalibhadra FinanceBOM:511754 +0.11%67 Return-on-Tangible-Equity is 11.93% as of Mar. 2026, which is 10% below its 10-year median of 13.22. GuruFocus rates BOM:511754 with a GF Score™ of 67/100 and a GF Value™ of ₹144.66 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 525 Credit Services companies, Shalibhadra Finance ranks better than 67.81% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Shalibhadra Finance's annualized net income for the quarter that ended in Mar. 2026 was ₹205.2 Mil. Shalibhadra Finance's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₹1,719.8 Mil. Therefore, Shalibhadra Finance's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 11.93%.
The historical rank and industry rank for Shalibhadra Finance's Return-on-Tangible-Equity or its related term are showing as below:
BOM:511754'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.08 Med: 13.22 Max: 20.22
Current: 11.95
During the past 13 years, Shalibhadra Finance's highest Return-on-Tangible-Equity was 20.22%. The lowest was 8.08%. And the median was 13.22%.
BOM:511754's Return-on-Tangible-Equity is ranked better than 67.81% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs BOM:511754: 11.95
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Shalibhadra Finance Return-on-Tangible-Equity Related Terms
Shalibhadra Finance Return-on-Tangible-Equity Historical Data
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The historical data trend for Shalibhadra Finance's Return-on-Tangible-Equity 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.
BOM:511754 vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Shalibhadra Finance's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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.
Shalibhadra Finance Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Shalibhadra Finance's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Shalibhadra Finance's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.93% mean?
Shalibhadra Finance (BOM:511754) has a Return-on-Tangible-Equity of 11.93% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Shalibhadra Finance and its competitors. This is 10% below median its historical median of 13.22. Over the past decade, Shalibhadra Finance's Return-on-Tangible-Equity has ranged from 8.08 to 20.22. According to the industry distribution chart, Shalibhadra Finance ranks #169 out of 525 companies in the Credit Services industry, placing it in the top 32.2%.
Is Shalibhadra Finance's Return-on-Tangible-Equity too high?
Shalibhadra Finance's current Return-on-Tangible-Equity of 11.93% is 10% below median its 10-year median of 13.22. Over the past 10 years, this metric has ranged from a low of 8.08 to a high of 20.22. The Credit Services industry median Return-on-Tangible-Equity is 7.01. Shalibhadra Finance's value of 11.93% is 70.2% above this industry median. Based on the distribution chart, Shalibhadra Finance ranks #169 out of 525 companies in the Credit Services industry, which is above the industry midpoint. Overall, Shalibhadra Finance has a GF Score™ of 67/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Shalibhadra Finance's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Shalibhadra Finance ranks #169 out of 525 companies for Return-on-Tangible-Equity. This puts Shalibhadra Finance in the upper half of its industry. The industry median Return-on-Tangible-Equity is 7.01. Shalibhadra Finance's value of 11.93% is 70.2% above this benchmark. Historically, Shalibhadra Finance's own Return-on-Tangible-Equity has ranged from 8.08 to 20.22 over the past decade. While the company's 10-year median is 13.22 vs. the industry median of 7.01, Shalibhadra Finance 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-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.01, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Shalibhadra Finance's current Return-on-Tangible-Equity of 11.93% is 70.2% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Shalibhadra Finance and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Shalibhadra Finance's current Return-on-Tangible-Equity is 11.93%, which is 10% below median its own 10-year median of 13.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shalibhadra Finance stock overvalued right now?
Based on GuruFocus' analysis, Shalibhadra Finance (BOM:511754) is currently considered Possible Value Trap. The stock's GF Value™ is ₹144.66, compared to a current price of ₹79.50 — trading 45% below its estimated fair value. The current Return-on-Tangible-Equity is 11.93%, which is 10% below median its 10-year median of 13.22 and 70.2% above the Credit Services industry median of 7.01. Shalibhadra Finance's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Shalibhadra Finance (BOM:511754), the current Return-on-Tangible-Equity is 11.93% 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 Shalibhadra Finance (BOM:511754) Overvalued in 2026?
Based on GuruFocus' analysis, Shalibhadra Finance stock appears to be undervalued.
The current stock price of ₹79.50 is trading 45% below its estimated GF Value™ of ₹144.66.
GuruFocus considers Shalibhadra Finance to be Possible Value Trap.
Key valuation signals for BOM:511754:
Return-on-Tangible-Equity: 11.93% (10% below median its 10-year median of 13.22)
GF Value™: ₹144.66 vs. price of ₹79.50 (45% below fair value)
Industry Position: 70.2% above the Credit Services median (#169 of 525)
No single metric tells the full story. See the BOM:511754 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Shalibhadra Finance Ltd is an Indian asset finance company engaged in financing and investment activities. The firm is focused on rural, semi-urban and other underbanked geographies in Gujarat, Maharashtra and Madhya Pradesh, India. It offers a wide range of customized retail products such as financing two-wheelers, auto rickshaw, cars, and consumer durables.
67GF Score
Get the complete analysis for BOM:511754
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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