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NPR FinanceBOM:530127 +4.98%48 Return-on-Tangible-Equity is -0.63% as of Mar. 2026. GuruFocus rates BOM:530127 with a GF Score™ of 48/100 and a GF Value™ of ₹15.18 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 527 Credit Services companies, NPR Finance ranks worse than 76.66% 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. NPR Finance's annualized net income for the quarter that ended in Mar. 2026 was ₹-3.07 Mil. NPR Finance's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₹490.95 Mil. Therefore, NPR Finance's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was -0.63%.
The historical rank and industry rank for NPR Finance's Return-on-Tangible-Equity or its related term are showing as below:
BOM:530127'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -4.68 Med: 1.73 Max: 7.78
Current: 0.42
During the past 13 years, NPR Finance's highest Return-on-Tangible-Equity was 7.78%. The lowest was -4.68%. And the median was 1.73%.
BOM:530127's Return-on-Tangible-Equity is ranked worse than 76.66% of 527
companies
in the Credit Services industry
Industry Median: 7.05
vs BOM:530127: 0.42
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.
NPR Finance Return-on-Tangible-Equity Related Terms
NPR Finance Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for NPR 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:530127 vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, NPR 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.
NPR Finance Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, NPR Finance's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where NPR 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 -0.63% mean?
NPR Finance (BOM:530127) has a Return-on-Tangible-Equity of -0.63% 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 NPR Finance and its competitors. According to the industry distribution chart, NPR Finance ranks #404 out of 527 companies in the Credit Services industry, placing it in the top 76.7%.
Is NPR Finance's Return-on-Tangible-Equity too high?
NPR Finance's current Return-on-Tangible-Equity is -0.63%. Based on the distribution chart, NPR Finance ranks #404 out of 527 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, NPR Finance has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NPR Finance's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, NPR Finance ranks #404 out of 527 companies for Return-on-Tangible-Equity. This places NPR Finance in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.05. 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 7.05, 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. 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 NPR Finance and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NPR Finance's current Return-on-Tangible-Equity is -0.63%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NPR Finance stock overvalued right now?
Based on GuruFocus' analysis, NPR Finance (BOM:530127) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹15.18, compared to a current price of ₹21.52 — trading 41.8% above its estimated fair value. The current Return-on-Tangible-Equity is -0.63%. NPR Finance's overall GF Score™ is 48/100 with 3 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 NPR Finance (BOM:530127), the current Return-on-Tangible-Equity is -0.63% 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 NPR Finance (BOM:530127) Overvalued in 2026?
Based on GuruFocus' analysis, NPR Finance stock appears to be overvalued.
The current stock price of ₹21.52 is trading 41.8% above its estimated GF Value™ of ₹15.18.
GuruFocus considers NPR Finance to be Significantly Overvalued.
Key valuation signals for BOM:530127:
Return-on-Tangible-Equity: -0.63%
GF Value™: ₹15.18 vs. price of ₹21.52 (41.8% above fair value)
No single metric tells the full story. See the BOM:530127 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NPR Finance Ltd is engaged in financing activities in India. It operates in two segments: Financing Operations, and Real Estate. Its financial activities include granting Group loans under Joint Liability, Granting loans against Hypothecation of vehicles, unsecured personal loans, Inter Corporate Deposits, Trading, and investment in Shares & Securities. and the majority of its revenue is generated from financing operations.
48GF Score
Get the complete analysis for BOM:530127
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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