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Star Housing FinanceBOM:539017 -1.78%70 Return-on-Tangible-Equity is 1.36% as of Dec. 2025, which is 83% below its 10-year median of 8.13. GuruFocus rates BOM:539017 with a GF Score™ of 70/100 and a GF Value™ of ₹81.60 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 1,522 Banks companies, Star Housing Finance ranks worse than 85.15% 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. Star Housing Finance's annualized net income for the quarter that ended in Dec. 2025 was ₹19.7 Mil. Star Housing Finance's average shareholder tangible equity for the quarter that ended in Dec. 2025 was ₹1,450.0 Mil. Therefore, Star Housing Finance's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 1.36%.
The historical rank and industry rank for Star Housing Finance's Return-on-Tangible-Equity or its related term are showing as below:
BOM:539017'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 1.07 Med: 8.13 Max: 14.43
Current: 4.67
During the past 12 years, Star Housing Finance's highest Return-on-Tangible-Equity was 14.43%. The lowest was 1.07%. And the median was 8.13%.
BOM:539017's Return-on-Tangible-Equity is ranked worse than 85.15% of 1522
companies
in the Banks industry
Industry Median: 11.315
vs BOM:539017: 4.67
Star Housing Finance (BOM:539017) Return-on-Tangible-Equity Explanation
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.
Star Housing Finance Return-on-Tangible-Equity Related Terms
Star Housing Finance Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Star Housing 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.
Star Housing Finance Return-on-Tangible-Equity Chart
BOM:539017 vs RKT, FNMA, PFSI: Return-on-Tangible-Equity Comparison
For the Mortgage Finance subindustry, Star Housing 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.
Star Housing Finance Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Star Housing Finance's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Star Housing 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 (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 1.36% mean?
Star Housing Finance (BOM:539017) has a Return-on-Tangible-Equity of 1.36% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Star Housing Finance and its competitors. This is 83% below median its historical median of 8.13. Over the past decade, Star Housing Finance's Return-on-Tangible-Equity has ranged from 1.07 to 14.43. According to the industry distribution chart, Star Housing Finance ranks #1296 out of 1522 companies in the Banks industry, placing it in the top 85.2%.
Is Star Housing Finance's Return-on-Tangible-Equity too high?
Star Housing Finance's current Return-on-Tangible-Equity of 1.36% is 83% below median its 10-year median of 8.13. Over the past 10 years, this metric has ranged from a low of 1.07 to a high of 14.43. The Banks industry median Return-on-Tangible-Equity is 11.32. Star Housing Finance's value of 1.36% is 88% below this industry median. Based on the distribution chart, Star Housing Finance ranks #1296 out of 1522 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Star Housing Finance has a GF Score™ of 70/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Star Housing Finance's Return-on-Tangible-Equity compare to RKT and FNMA?
According to the Banks industry distribution chart, Star Housing Finance ranks #1296 out of 1522 companies for Return-on-Tangible-Equity. This places Star Housing Finance in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.32. Star Housing Finance's value of 1.36% is 88% below this benchmark. Historically, Star Housing Finance's own Return-on-Tangible-Equity has ranged from 1.07 to 14.43 over the past decade. While the company's 10-year median is 8.13 vs. the industry median of 11.32, Star Housing Finance 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 Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.32, based on 1,522 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. Star Housing Finance's current Return-on-Tangible-Equity of 1.36% is 88% 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 Star Housing Finance and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Star Housing Finance's current Return-on-Tangible-Equity is 1.36%, which is 83% below median its own 10-year median of 8.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Star Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, Star Housing Finance (BOM:539017) is currently considered Possible Value Trap. The stock's GF Value™ is ₹81.60, compared to a current price of ₹6.06 — trading 92.6% below its estimated fair value. The current Return-on-Tangible-Equity is 1.36%, which is 83% below median its 10-year median of 8.13 and 88% below the Banks industry median of 11.32. Star Housing Finance's overall GF Score™ is 70/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Star Housing Finance (BOM:539017), the current Return-on-Tangible-Equity is 1.36% as of Dec. 2025. 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 Star Housing Finance (BOM:539017) Overvalued in 2026?
Based on GuruFocus' analysis, Star Housing Finance stock appears to be undervalued.
The current stock price of ₹6.06 is trading 92.6% below its estimated GF Value™ of ₹81.60.
GuruFocus considers Star Housing Finance to be Possible Value Trap.
Key valuation signals for BOM:539017:
Return-on-Tangible-Equity: 1.36% (83% below median its 10-year median of 8.13)
GF Value™: ₹81.60 vs. price of ₹6.06 (92.6% below fair value)
Industry Position: 88% below the Banks median (#1296 of 1522)
No single metric tells the full story. See the BOM:539017 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Star Housing Finance Ltd is a non-deposit-taking housing finance company. The company's loan products include home loans, mortgage loans, and builder loans. The firm offers home loans for the purchase of flats and houses, renovation of existing units, extension of existing units, and purchase of plots for the construction of houses. The company offers a builder loan for the construction of residential flats. The company is engaged in the business of providing loans to individuals, corporations, and developers for the purchase, construction, development, and repair of houses, apartments, and commercial properties in India.
70GF Score
Get the complete analysis for BOM:539017
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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