ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Mangal Credit & Fincorp's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹219.1 Mil.
Mangal Credit & Fincorp's average Total Assets over the quarter that ended in Mar. 2026 was ₹5,168.8 Mil. Therefore, Mangal Credit & Fincorp's annualized ROA % for the quarter that ended in Mar. 2026 was 4.24%.
The historical rank and industry rank for Mangal Credit & Fincorp's ROA % or its related term are showing as below:
BOM:505850'
s ROA % Range Over the Past 10 Years
Min: 1.92 Med: 4.72 Max: 11.18
Current: 3.49
During the past 13 years, Mangal Credit & Fincorp's highest ROA % was 11.18%. The lowest was 1.92%. And the median was 4.72%.
BOM:505850's ROA % is ranked better than 70.3% of 542
companies
in the Credit Services industry
Industry Median: 1.94
vs BOM:505850: 3.49
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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.
For the Credit Services subindustry, Mangal Credit & Fincorp's ROA %, along with its competitors' market caps and ROA % 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.
Mangal Credit & Fincorp ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mangal Credit & Fincorp's ROA % distribution charts can be found below:
* The bar in red indicates where Mangal Credit & Fincorp's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Mangal Credit & Fincorp (BOM:505850) has a ROA % of 4.24% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Mangal Credit & Fincorp and its competitors. This is 10% below median its historical median of 4.72. Over the past decade, Mangal Credit & Fincorp's ROA % has ranged from 1.92 to 11.18. According to the industry distribution chart, Mangal Credit & Fincorp ranks #161 out of 542 companies in the Credit Services industry, placing it in the top 29.7%.
Is Mangal Credit & Fincorp's ROA % too high?
Mangal Credit & Fincorp's current ROA % of 4.24% is 10% below median its 10-year median of 4.72. Over the past 10 years, this metric has ranged from a low of 1.92 to a high of 11.18. The Credit Services industry median ROA % is 1.94. Mangal Credit & Fincorp's value of 4.24% is 118.6% above this industry median. Based on the distribution chart, Mangal Credit & Fincorp ranks #161 out of 542 companies in the Credit Services industry, which is above the industry midpoint. Overall, Mangal Credit & Fincorp has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Mangal Credit & Fincorp's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Mangal Credit & Fincorp ranks #161 out of 542 companies for ROA %. This puts Mangal Credit & Fincorp in the upper half of its industry. The industry median ROA % is 1.94. Mangal Credit & Fincorp's value of 4.24% is 118.6% above this benchmark. Historically, Mangal Credit & Fincorp's own ROA % has ranged from 1.92 to 11.18 over the past decade. While the company's 10-year median is 4.72 vs. the industry median of 1.94, Mangal Credit & Fincorp 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.94, based on 542 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mangal Credit & Fincorp's current ROA % of 4.24% is 118.6% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Mangal Credit & Fincorp and its competitors. For the Credit Services industry, the median ROA % is 1.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mangal Credit & Fincorp's current ROA % is 4.24%, which is 10% below median its own 10-year median of 4.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mangal Credit & Fincorp stock overvalued right now?
Based on GuruFocus' analysis, Mangal Credit & Fincorp (BOM:505850) is currently considered Fairly Valued. The stock's GF Value™ is ₹246.78, compared to a current price of ₹245.30 — trading 0.6% below its estimated fair value. The current ROA % is 4.24%, which is 10% below median its 10-year median of 4.72 and 118.6% above the Credit Services industry median of 1.94. Mangal Credit & Fincorp's overall GF Score™ is 77/100 with 13 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Mangal Credit & Fincorp (BOM:505850), the current ROA % is 4.24% 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.
Is Mangal Credit & Fincorp (BOM:505850) Overvalued in 2026?
Based on GuruFocus' analysis, Mangal Credit & Fincorp stock appears to be undervalued.
The current stock price of ₹245.30 is trading 0.6% below its estimated GF Value™ of ₹246.78.
GuruFocus considers Mangal Credit & Fincorp to be Fairly Valued.
Key valuation signals for BOM:505850:
ROA %: 4.24% (10% below median its 10-year median of 4.72)
GF Value™: ₹246.78 vs. price of ₹245.30 (0.6% below fair value)
Industry Position: 118.6% above the Credit Services median (#161 of 542)
No single metric tells the full story. See the BOM:505850 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mangal Credit & Fincorp Ltd is a non-banking financial company. The company offers services, including loans and credit facilities, private educational funding, and trade-in money market underwriting stocks and shares. Its products include Gold loans, Personal loans, and SME(small and medium enterprises) loans. Geographically all the operations function through the regions of India. The company generates the majority of its revenue from Interest Income. The company also generates revenue from Fees and commission income.
77GF Score
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