Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Anupam FinservBOM:530109 -1.06%64 Return-on-Tangible-Equity is 4.10% as of Mar. 2026, which is 34% below its 10-year median of 6.20. GuruFocus rates BOM:530109 with a GF Score™ of 64/100 and a GF Value™ of ₹1.87 (Fairly Valued). The stock has 4 warning signs investors should review. Among 526 Credit Services companies, Anupam Finserv ranks worse than 51.33% 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. Anupam Finserv's annualized net income for the quarter that ended in Mar. 2026 was ₹12.46 Mil. Anupam Finserv's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₹304.16 Mil. Therefore, Anupam Finserv's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 4.10%.
The historical rank and industry rank for Anupam Finserv's Return-on-Tangible-Equity or its related term are showing as below:
BOM:530109'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.3 Med: 6.2 Max: 10.64
Current: 6.61
During the past 13 years, Anupam Finserv's highest Return-on-Tangible-Equity was 10.64%. The lowest was 2.30%. And the median was 6.20%.
BOM:530109's Return-on-Tangible-Equity is ranked worse than 51.33% of 526
companies
in the Credit Services industry
Industry Median: 7.055
vs BOM:530109: 6.61
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.
Anupam Finserv Return-on-Tangible-Equity Related Terms
Anupam Finserv Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Anupam Finserv'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:530109 vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Anupam Finserv'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.
Anupam Finserv Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Anupam Finserv's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Anupam Finserv'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 4.10% mean?
Anupam Finserv (BOM:530109) has a Return-on-Tangible-Equity of 4.10% 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 Anupam Finserv and its competitors. This is 34% below median its historical median of 6.20. Over the past decade, Anupam Finserv's Return-on-Tangible-Equity has ranged from 2.30 to 10.64. According to the industry distribution chart, Anupam Finserv ranks #270 out of 526 companies in the Credit Services industry, placing it in the top 51.3%.
Is Anupam Finserv's Return-on-Tangible-Equity too high?
Anupam Finserv's current Return-on-Tangible-Equity of 4.10% is 34% below median its 10-year median of 6.20. Over the past 10 years, this metric has ranged from a low of 2.30 to a high of 10.64. The Credit Services industry median Return-on-Tangible-Equity is 7.06. Anupam Finserv's value of 4.10% is 41.9% below this industry median. Based on the distribution chart, Anupam Finserv ranks #270 out of 526 companies in the Credit Services industry, which is below the industry midpoint. Overall, Anupam Finserv has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Anupam Finserv's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Anupam Finserv ranks #270 out of 526 companies for Return-on-Tangible-Equity. This places Anupam Finserv in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.06. Anupam Finserv's value of 4.10% is 41.9% below this benchmark. Historically, Anupam Finserv's own Return-on-Tangible-Equity has ranged from 2.30 to 10.64 over the past decade. While the company's 10-year median is 6.20 vs. the industry median of 7.06, Anupam Finserv 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 526 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. Anupam Finserv's current Return-on-Tangible-Equity of 4.10% is 41.9% 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 Anupam Finserv 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. Anupam Finserv's current Return-on-Tangible-Equity is 4.10%, which is 34% below median its own 10-year median of 6.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Anupam Finserv stock overvalued right now?
Based on GuruFocus' analysis, Anupam Finserv (BOM:530109) is currently considered Fairly Valued. The stock's GF Value™ is ₹1.87, compared to a current price of ₹1.86 — trading 0.5% below its estimated fair value. The current Return-on-Tangible-Equity is 4.10%, which is 34% below median its 10-year median of 6.20 and 41.9% below the Credit Services industry median of 7.06. Anupam Finserv's overall GF Score™ is 64/100 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 Anupam Finserv (BOM:530109), the current Return-on-Tangible-Equity is 4.10% 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 Anupam Finserv (BOM:530109) Overvalued in 2026?
Based on GuruFocus' analysis, Anupam Finserv stock appears to be undervalued.
The current stock price of ₹1.86 is trading 0.5% below its estimated GF Value™ of ₹1.87.
GuruFocus considers Anupam Finserv to be Fairly Valued.
Key valuation signals for BOM:530109:
Return-on-Tangible-Equity: 4.10% (34% below median its 10-year median of 6.20)
GF Value™: ₹1.87 vs. price of ₹1.86 (0.5% below fair value)
Industry Position: 41.9% below the Credit Services median (#270 of 526)
No single metric tells the full story. See the BOM:530109 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Anupam Finserv Ltd is a Non-Banking Finance Company engaged in providing finance and capital market services, including financial consultancy and investment advisory services. Its operating segments include Financing and Leasing. The company's products include Capital Market Finance, Corporate Finance, Mortgage Loans, and Personal Loans for Salaried and Professionals.
64GF Score
Get the complete analysis for BOM:530109
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:530109 has been successfully added to your 
