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Aadhar Housing FinanceBOM:544176 -0.69%36 Return-on-Tangible-Equity is 14.98% as of Jun. 2026, which is 5% below its 10-year median of 15.84. GuruFocus rates BOM:544176 with a GF Score™ of 36/100. The stock has 6 warning signs investors should review. Among 1,517 Banks companies, Aadhar Housing Finance ranks better than 79.3% 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. Aadhar Housing Finance's annualized net income for the quarter that ended in Jun. 2026 was ₹11,294 Mil. Aadhar Housing Finance's average shareholder tangible equity for the quarter that ended in Jun. 2026 was ₹75,386 Mil. Therefore, Aadhar Housing Finance's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 14.98%.
The historical rank and industry rank for Aadhar Housing Finance's Return-on-Tangible-Equity or its related term are showing as below:
BOM:544176'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 12.64 Med: 15.84 Max: 18.41
Current: 16.46
During the past 6 years, Aadhar Housing Finance's highest Return-on-Tangible-Equity was 18.41%. The lowest was 12.64%. And the median was 15.84%.
BOM:544176's Return-on-Tangible-Equity is ranked better than 79.3% of 1517
companies
in the Banks industry
Industry Median: 11.46
vs BOM:544176: 16.46
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.
Aadhar Housing Finance Return-on-Tangible-Equity Related Terms
Aadhar Housing Finance Return-on-Tangible-Equity Historical Data
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The historical data trend for Aadhar 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.
BOM:544176 vs RKT, FNMA, PFSI: Return-on-Tangible-Equity Comparison
For the Mortgage Finance subindustry, Aadhar 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.
Aadhar Housing Finance Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Aadhar Housing Finance's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Aadhar 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 (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 14.98% mean?
Aadhar Housing Finance (BOM:544176) has a Return-on-Tangible-Equity of 14.98% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Aadhar Housing Finance and its competitors. This is near median its historical median of 15.84. Over the past decade, Aadhar Housing Finance's Return-on-Tangible-Equity has ranged from 12.64 to 18.41. According to the industry distribution chart, Aadhar Housing Finance ranks #314 out of 1517 companies in the Banks industry, placing it in the top 20.7%.
Is Aadhar Housing Finance's Return-on-Tangible-Equity too high?
Aadhar Housing Finance's current Return-on-Tangible-Equity of 14.98% is near median its 10-year median of 15.84. Over the past 10 years, this metric has ranged from a low of 12.64 to a high of 18.41. The Banks industry median Return-on-Tangible-Equity is 11.46. Aadhar Housing Finance's value of 14.98% is 30.7% above this industry median. Based on the distribution chart, Aadhar Housing Finance ranks #314 out of 1517 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Aadhar Housing Finance has a GF Score™ of 36/100, reflecting its overall financial health beyond just this single metric.
How does Aadhar Housing Finance's Return-on-Tangible-Equity compare to RKT and FNMA?
According to the Banks industry distribution chart, Aadhar Housing Finance ranks #314 out of 1517 companies for Return-on-Tangible-Equity. This places Aadhar Housing Finance in the top 21% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.46. Aadhar Housing Finance's value of 14.98% is 30.7% above this benchmark. Historically, Aadhar Housing Finance's own Return-on-Tangible-Equity has ranged from 12.64 to 18.41 over the past decade. While the company's 10-year median is 15.84 vs. the industry median of 11.46, Aadhar Housing 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 11.46, based on 1,517 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. Aadhar Housing Finance's current Return-on-Tangible-Equity of 14.98% is 30.7% 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 Aadhar Housing Finance and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aadhar Housing Finance's current Return-on-Tangible-Equity is 14.98%, which is near median its own 10-year median of 15.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aadhar Housing Finance stock overvalued right now?
Aadhar Housing Finance (BOM:544176) has a current Return-on-Tangible-Equity of 14.98%. The current Return-on-Tangible-Equity is 14.98%, which is near median its 10-year median of 15.84 and 30.7% above the Banks industry median of 11.46. Aadhar Housing Finance's overall GF Score™ is 36/100 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 Aadhar Housing Finance (BOM:544176), the current Return-on-Tangible-Equity is 14.98% as of Jun. 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.
Aadhar Housing Finance Ltd is a housing finance company. It provides home loan services to the low-to-middle-income group segment in the low-income housing finance sector. The Company offers a range of mortgage-related loan products, including loans for residential property purchase and construction; home improvement and extension loans; loans for commercial property construction and acquisition, and loans against residential properties. Geographically, it generates all of its revenue within India.
36GF Score
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Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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