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Dhansafal FinserveBOM:512048 +1.67%57 Return-on-Tangible-Equity is 3.01% as of Mar. 2026, which is 15% above its 10-year median of 2.61. GuruFocus rates BOM:512048 with a GF Score™ of 57/100 and a GF Value™ of ₹10.92 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 527 Credit Services companies, Dhansafal Finserve ranks worse than 71.73% 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. Dhansafal Finserve's annualized net income for the quarter that ended in Mar. 2026 was ₹20.0 Mil. Dhansafal Finserve's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₹664.7 Mil. Therefore, Dhansafal Finserve's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 3.01%.
The historical rank and industry rank for Dhansafal Finserve's Return-on-Tangible-Equity or its related term are showing as below:
BOM:512048'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -0.36 Med: 2.61 Max: 5.37
Current: 1.21
During the past 13 years, Dhansafal Finserve's highest Return-on-Tangible-Equity was 5.37%. The lowest was -0.36%. And the median was 2.61%.
BOM:512048's Return-on-Tangible-Equity is ranked worse than 71.73% of 527
companies
in the Credit Services industry
Industry Median: 7.06
vs BOM:512048: 1.21
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.
Dhansafal Finserve Return-on-Tangible-Equity Related Terms
Dhansafal Finserve Return-on-Tangible-Equity Historical Data
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The historical data trend for Dhansafal Finserve'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:512048 vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Dhansafal Finserve'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.
Dhansafal Finserve Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Dhansafal Finserve's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Dhansafal Finserve'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 3.01% mean?
Dhansafal Finserve (BOM:512048) has a Return-on-Tangible-Equity of 3.01% 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 Dhansafal Finserve and its competitors. This is 15% above median its historical median of 2.61. According to the industry distribution chart, Dhansafal Finserve ranks #378 out of 527 companies in the Credit Services industry, placing it in the top 71.7%.
Is Dhansafal Finserve's Return-on-Tangible-Equity too high?
Dhansafal Finserve's current Return-on-Tangible-Equity of 3.01% is 15% above median its 10-year median of 2.61. The Credit Services industry median Return-on-Tangible-Equity is 7.06. Dhansafal Finserve's value of 3.01% is 57.4% below this industry median. Based on the distribution chart, Dhansafal Finserve ranks #378 out of 527 companies in the Credit Services industry, which is below the industry midpoint. Overall, Dhansafal Finserve has a GF Score™ of 57/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Dhansafal Finserve's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Dhansafal Finserve ranks #378 out of 527 companies for Return-on-Tangible-Equity. This places Dhansafal Finserve in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.06. Dhansafal Finserve's value of 3.01% is 57.4% below this benchmark. While the company's 10-year median is 2.61 vs. the industry median of 7.06, Dhansafal Finserve 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-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.06, based on 527 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. Dhansafal Finserve's current Return-on-Tangible-Equity of 3.01% is 57.4% 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-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 Dhansafal Finserve and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dhansafal Finserve's current Return-on-Tangible-Equity is 3.01%, which is 15% above median its own 10-year median of 2.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dhansafal Finserve stock overvalued right now?
Based on GuruFocus' analysis, Dhansafal Finserve (BOM:512048) is currently considered Possible Value Trap. The stock's GF Value™ is ₹10.92, compared to a current price of ₹2.43 — trading 77.7% below its estimated fair value. The current Return-on-Tangible-Equity is 3.01%, which is 15% above median its 10-year median of 2.61 and 57.4% below the Credit Services industry median of 7.06. Dhansafal Finserve's overall GF Score™ is 57/100 with 7 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 Dhansafal Finserve (BOM:512048), the current Return-on-Tangible-Equity is 3.01% 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 Dhansafal Finserve (BOM:512048) Overvalued in 2026?
Based on GuruFocus' analysis, Dhansafal Finserve stock appears to be undervalued.
The current stock price of ₹2.43 is trading 77.7% below its estimated GF Value™ of ₹10.92.
GuruFocus considers Dhansafal Finserve to be Possible Value Trap.
Key valuation signals for BOM:512048:
Return-on-Tangible-Equity: 3.01% (15% above median its 10-year median of 2.61)
GF Value™: ₹10.92 vs. price of ₹2.43 (77.7% below fair value)
Industry Position: 57.4% below the Credit Services median (#378 of 527)
No single metric tells the full story. See the BOM:512048 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dhansafal Finserve Ltd operates as a non-banking financial company focused on providing retail and mortgage-based financial services in India. The company offers various loan products including loans against property, personal loans, auto and home loans, trade financing, and loans against shares and securities. It aims to simplify credit access, particularly in semi-urban and underserved markets, through flexible financing solutions. Revenue is generated through interest income on loans and lending services targeted at commercial, industrial, and financial clients.
57GF Score
Get the complete analysis for BOM:512048
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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