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Finbud Financial ServicesNSE:FINBUD +3.39%18 Return-on-Tangible-Equity is 15.38% as of Mar. 2026, which is 53% below its 10-year median of 32.49. GuruFocus rates NSE:FINBUD with a GF Score™ of 18/100. The stock has 2 warning signs investors should review. Among 525 Credit Services companies, Finbud Financial Services ranks better than 77.9% 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. Finbud Financial Services's annualized net income for the quarter that ended in Mar. 2026 was ₹116 Mil. Finbud Financial Services's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₹757 Mil. Therefore, Finbud Financial Services's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 15.38%.
The historical rank and industry rank for Finbud Financial Services's Return-on-Tangible-Equity or its related term are showing as below:
NSE:FINBUD'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 15.38 Med: 32.49 Max: 63.15
Current: 15.38
During the past 4 years, Finbud Financial Services's highest Return-on-Tangible-Equity was 63.15%. The lowest was 15.38%. And the median was 32.49%.
NSE:FINBUD's Return-on-Tangible-Equity is ranked better than 77.9% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs NSE:FINBUD: 15.38
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.
Finbud Financial Services Return-on-Tangible-Equity Related Terms
Finbud Financial Services Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Finbud Financial Services'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.
NSE:FINBUD vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Finbud Financial Services'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.
Finbud Financial Services Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finbud Financial Services's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Finbud Financial Services'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 one times the annual (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 15.38% mean?
Finbud Financial Services (NSE:FINBUD) has a Return-on-Tangible-Equity of 15.38% 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 Finbud Financial Services and its competitors. This is 53% below median its historical median of 32.49. Over the past decade, Finbud Financial Services' Return-on-Tangible-Equity has ranged from 15.38 to 63.15. According to the industry distribution chart, Finbud Financial Services ranks #116 out of 525 companies in the Credit Services industry, placing it in the top 22.1%.
Is Finbud Financial Services' Return-on-Tangible-Equity too high?
Finbud Financial Services' current Return-on-Tangible-Equity of 15.38% is 53% below median its 10-year median of 32.49. Over the past 10 years, this metric has ranged from a low of 15.38 to a high of 63.15. The Credit Services industry median Return-on-Tangible-Equity is 7.01. Finbud Financial Services' value of 15.38% is 119.4% above this industry median. Based on the distribution chart, Finbud Financial Services ranks #116 out of 525 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Finbud Financial Services has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does Finbud Financial Services' Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Finbud Financial Services ranks #116 out of 525 companies for Return-on-Tangible-Equity. This places Finbud Financial Services in the top 22% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.01. Finbud Financial Services' value of 15.38% is 119.4% above this benchmark. Historically, Finbud Financial Services' own Return-on-Tangible-Equity has ranged from 15.38 to 63.15 over the past decade. While the company's 10-year median is 32.49 vs. the industry median of 7.01, Finbud Financial Services 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 7.01, based on 525 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. Finbud Financial Services's current Return-on-Tangible-Equity of 15.38% is 119.4% 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 Finbud Financial Services and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finbud Financial Services's current Return-on-Tangible-Equity is 15.38%, which is 53% below median its own 10-year median of 32.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finbud Financial Services stock overvalued right now?
Finbud Financial Services (NSE:FINBUD) has a current Return-on-Tangible-Equity of 15.38%. The current Return-on-Tangible-Equity is 15.38%, which is 53% below median its 10-year median of 32.49 and 119.4% above the Credit Services industry median of 7.01. Finbud Financial Services' overall GF Score™ is 18/100 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 Finbud Financial Services (NSE:FINBUD), the current Return-on-Tangible-Equity is 15.38% 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.
Finbud Financial Services Ltd is engaged in the business of financial advisory, brokerage, and consultancy services, operating as a retail loan aggregation platform in India that helps people obtain personal, business, and home loans from banks and non-banking financial companies. The company acquires customers through a hybrid strategy using digital marketing and a wide network of external agents, and earns a commission from lenders upon loan disbursement. Its hybrid business model includes conventional lending through the Agent channel and digital lending through the Digital Channel, supported by partnerships with a wide network of lenders to offer tailored loan solutions that meet diverse customer needs.
18GF Score
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