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India Shelter FinanceBOM:544044 -0.47%38 Return-on-Tangible-Equity is 17.53% as of Mar. 2026, which is 28% above its 10-year median of 13.71. GuruFocus rates BOM:544044 with a GF Score™ of 38/100. The stock has 5 warning signs investors should review. Among 1,521 Banks companies, India Shelter Finance ranks better than 82.97% 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. India Shelter Finance's annualized net income for the quarter that ended in Mar. 2026 was ₹5,602 Mil. India Shelter Finance's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₹31,960 Mil. Therefore, India Shelter Finance's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 17.53%.
The historical rank and industry rank for India Shelter Finance's Return-on-Tangible-Equity or its related term are showing as below:
BOM:544044'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 9.33 Med: 13.71 Max: 17.2
Current: 17.2
During the past 6 years, India Shelter Finance's highest Return-on-Tangible-Equity was 17.20%. The lowest was 9.33%. And the median was 13.71%.
BOM:544044's Return-on-Tangible-Equity is ranked better than 82.97% of 1521
companies
in the Banks industry
Industry Median: 11.42
vs BOM:544044: 17.20
India Shelter Finance (BOM:544044) 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.
India Shelter Finance Return-on-Tangible-Equity Related Terms
India Shelter Finance Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for India Shelter 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.
India Shelter Finance Return-on-Tangible-Equity Chart
BOM:544044 vs RKT, FNMA, PFSI: Return-on-Tangible-Equity Comparison
For the Mortgage Finance subindustry, India Shelter 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.
India Shelter Finance Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, India Shelter Finance's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where India Shelter 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 17.53% mean?
India Shelter Finance (BOM:544044) has a Return-on-Tangible-Equity of 17.53% 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 India Shelter Finance and its competitors. This is 28% above median its historical median of 13.71. Over the past decade, India Shelter Finance's Return-on-Tangible-Equity has ranged from 9.33 to 17.20. According to the industry distribution chart, India Shelter Finance ranks #259 out of 1521 companies in the Banks industry, placing it in the top 17%.
Is India Shelter Finance's Return-on-Tangible-Equity too high?
India Shelter Finance's current Return-on-Tangible-Equity of 17.53% is 28% above median its 10-year median of 13.71. Over the past 10 years, this metric has ranged from a low of 9.33 to a high of 17.20. The Banks industry median Return-on-Tangible-Equity is 11.42. India Shelter Finance's value of 17.53% is 53.5% above this industry median. Based on the distribution chart, India Shelter Finance ranks #259 out of 1521 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, India Shelter Finance has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does India Shelter Finance's Return-on-Tangible-Equity compare to RKT and FNMA?
According to the Banks industry distribution chart, India Shelter Finance ranks #259 out of 1521 companies for Return-on-Tangible-Equity. This places India Shelter Finance in the top 17% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.42. India Shelter Finance's value of 17.53% is 53.5% above this benchmark. Historically, India Shelter Finance's own Return-on-Tangible-Equity has ranged from 9.33 to 17.20 over the past decade. While the company's 10-year median is 13.71 vs. the industry median of 11.42, India Shelter Finance 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 Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.42, based on 1,521 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. India Shelter Finance's current Return-on-Tangible-Equity of 17.53% is 53.5% 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 India Shelter Finance and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Shelter Finance's current Return-on-Tangible-Equity is 17.53%, which is 28% above median its own 10-year median of 13.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Shelter Finance stock overvalued right now?
India Shelter Finance (BOM:544044) has a current Return-on-Tangible-Equity of 17.53%. The current Return-on-Tangible-Equity is 17.53%, which is 28% above median its 10-year median of 13.71 and 53.5% above the Banks industry median of 11.42. India Shelter Finance's overall GF Score™ is 38/100 with 5 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 India Shelter Finance (BOM:544044), the current Return-on-Tangible-Equity is 17.53% 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.
India Shelter Finance Corporation Ltd caters to the housing needs of the self-employed, informal segment of customers, belonging to the middle income, predominantly from semi-urban and rural markets. It is engaged in providing secured retail home loans, home equity loans, and loans against property to borrowers for a period of up to twenty years. These loans are mainly to be used by borrowers for home purchase, home improvements, home extension, and the construction of dwelling units on plots owned by borrowers. Geographically, the company's operations are spread across different regions in India.
38GF Score
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