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Unifinz Capital IndiaBOM:541358 +3.54%63 Return-on-Tangible-Equity is 46.83% as of Mar. 2026, which is 862% above its 10-year median of 4.87. GuruFocus rates BOM:541358 with a GF Score™ of 63/100. The stock has 2 warning signs investors should review. Among 527 Credit Services companies, Unifinz Capital India ranks better than 96.77% 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. Unifinz Capital India's annualized net income for the quarter that ended in Mar. 2026 was ₹769 Mil. Unifinz Capital India's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₹1,641 Mil. Therefore, Unifinz Capital India's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 46.83%.
The historical rank and industry rank for Unifinz Capital India's Return-on-Tangible-Equity or its related term are showing as below:
BOM:541358'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -26.94 Med: 4.87 Max: 72.62
Current: 72.62
During the past 11 years, Unifinz Capital India's highest Return-on-Tangible-Equity was 72.62%. The lowest was -26.94%. And the median was 4.87%.
BOM:541358's Return-on-Tangible-Equity is ranked better than 96.77% of 527
companies
in the Credit Services industry
Industry Median: 7.05
vs BOM:541358: 72.62
Unifinz Capital India (BOM:541358) 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.
Unifinz Capital India Return-on-Tangible-Equity Related Terms
Unifinz Capital India Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Unifinz Capital India'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.
Unifinz Capital India Return-on-Tangible-Equity Chart
BOM:541358 vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Unifinz Capital India'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.
Unifinz Capital India Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Unifinz Capital India's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Unifinz Capital India'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 46.83% mean?
Unifinz Capital India (BOM:541358) has a Return-on-Tangible-Equity of 46.83% 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 Unifinz Capital India and its competitors. This is 862% above median its historical median of 4.87. According to the industry distribution chart, Unifinz Capital India ranks #17 out of 527 companies in the Credit Services industry, placing it in the top 3.2%.
Is Unifinz Capital India's Return-on-Tangible-Equity too high?
Unifinz Capital India's current Return-on-Tangible-Equity of 46.83% is 862% above median its 10-year median of 4.87. The Credit Services industry median Return-on-Tangible-Equity is 7.05. Unifinz Capital India's value of 46.83% is 564.3% above this industry median. Based on the distribution chart, Unifinz Capital India ranks #17 out of 527 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Unifinz Capital India has a GF Score™ of 63/100, reflecting its overall financial health beyond just this single metric.
How does Unifinz Capital India's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Unifinz Capital India ranks #17 out of 527 companies for Return-on-Tangible-Equity. This places Unifinz Capital India in the top 3% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.05. Unifinz Capital India's value of 46.83% is 564.3% above this benchmark. While the company's 10-year median is 4.87 vs. the industry median of 7.05, Unifinz Capital India 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 7.05, 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. Unifinz Capital India's current Return-on-Tangible-Equity of 46.83% is 564.3% 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 Unifinz Capital India 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. Unifinz Capital India's current Return-on-Tangible-Equity is 46.83%, which is 862% above median its own 10-year median of 4.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Unifinz Capital India stock overvalued right now?
Unifinz Capital India (BOM:541358) has a current Return-on-Tangible-Equity of 46.83%. The current Return-on-Tangible-Equity is 46.83%, which is 862% above median its 10-year median of 4.87 and 564.3% above the Credit Services industry median of 7.05. Unifinz Capital India's overall GF Score™ is 63/100 with 2 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 Unifinz Capital India (BOM:541358), the current Return-on-Tangible-Equity is 46.83% 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.
Unifinz Capital India Ltd is a Non-Banking Financial Institution. It offers unsecured personal loans under the brand name lendingplate to individuals spread across various cities in India. The company addresses the financial requirements of under-banked and unbanked populations who remain unserved or underserved by traditional banking systems. Its focus is on financing these segments: vehicles, MSMEs, and mortgage loans.
63GF Score
Get the complete analysis for BOM:541358
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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