Sahara HousingfinaBOM:511533 -7.40%59 ROA % is 0.43% as of Mar. 2026, which is 71% below its 10-year median of 1.49. GuruFocus rates BOM:511533 with a GF Score™ of 59/100 and a GF Value™ of ₹36.08 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,530 Banks companies, Sahara Housingfina ranks worse than 79.67% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Sahara Housingfina's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹2.98 Mil.
Sahara Housingfina's average Total Assets over the quarter that ended in Mar. 2026 was ₹688.98 Mil. Therefore, Sahara Housingfina's annualized ROA % for the quarter that ended in Mar. 2026 was 0.43%.
The historical rank and industry rank for Sahara Housingfina's ROA % or its related term are showing as below:
BOM:511533'
s ROA % Range Over the Past 10 Years
Min: 0.47 Med: 1.49 Max: 1.85
Current: 0.47
During the past 13 years, Sahara Housingfina's highest ROA % was 1.85%. The lowest was 0.47%. And the median was 1.49%.
BOM:511533's ROA % is ranked worse than 79.67% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs BOM:511533: 0.47
Sahara Housingfina (BOM:511533) ROA % Explanation
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.
Sahara Housingfina ROA % Related Terms
Sahara Housingfina ROA % Historical Data
* Premium members only.
The historical data trend for Sahara Housingfina's ROA % 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.
For the Mortgage Finance subindustry, Sahara Housingfina'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.
Sahara Housingfina ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Sahara Housingfina's ROA % distribution charts can be found below:
* The bar in red indicates where Sahara Housingfina'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.
Sahara Housingfina (BOM:511533) has a ROA % of 0.43% 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 Sahara Housingfina and its competitors. This is 71% below median its historical median of 1.49. Over the past decade, Sahara Housingfina's ROA % has ranged from 0.47 to 1.85. According to the industry distribution chart, Sahara Housingfina ranks #1219 out of 1530 companies in the Banks industry, placing it in the top 79.7%.
Is Sahara Housingfina's ROA % too high?
Sahara Housingfina's current ROA % of 0.43% is 71% below median its 10-year median of 1.49. Over the past 10 years, this metric has ranged from a low of 0.47 to a high of 1.85. The Banks industry median ROA % is 0.98. Sahara Housingfina's value of 0.43% is 56.1% below this industry median. Based on the distribution chart, Sahara Housingfina ranks #1219 out of 1530 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Sahara Housingfina has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sahara Housingfina's ROA % compare to RKT and FNMA?
According to the Banks industry distribution chart, Sahara Housingfina ranks #1219 out of 1530 companies for ROA %. This places Sahara Housingfina in the lower half of its industry. The industry median ROA % is 0.98. Sahara Housingfina's value of 0.43% is 56.1% below this benchmark. Historically, Sahara Housingfina's own ROA % has ranged from 0.47 to 1.85 over the past decade. While the company's 10-year median is 1.49 vs. the industry median of 0.98, Sahara Housingfina has consistently been below 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 Banks company?
The median ROA % among Banks companies is 0.98, based on 1,530 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. Sahara Housingfina's current ROA % of 0.43% is 56.1% below 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 Sahara Housingfina and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sahara Housingfina's current ROA % is 0.43%, which is 71% below median its own 10-year median of 1.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sahara Housingfina stock overvalued right now?
Based on GuruFocus' analysis, Sahara Housingfina (BOM:511533) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹36.08, compared to a current price of ₹42.44 — trading 17.6% above its estimated fair value. The current ROA % is 0.43%, which is 71% below median its 10-year median of 1.49 and 56.1% below the Banks industry median of 0.98. Sahara Housingfina's overall GF Score™ is 59/100 with 6 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 Sahara Housingfina (BOM:511533), the current ROA % is 0.43% 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 Sahara Housingfina (BOM:511533) Overvalued in 2026?
Based on GuruFocus' analysis, Sahara Housingfina stock appears to be overvalued.
The current stock price of ₹42.44 is trading 17.6% above its estimated GF Value™ of ₹36.08.
GuruFocus considers Sahara Housingfina to be Modestly Overvalued.
Key valuation signals for BOM:511533:
ROA %: 0.43% (71% below median its 10-year median of 1.49)
GF Value™: ₹36.08 vs. price of ₹42.44 (17.6% above fair value)
Industry Position: 56.1% below the Banks median (#1219 of 1530)
No single metric tells the full story. See the BOM:511533 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sahara Housingfina Corp Ltd is an Indian company engaged in carrying out activities of housing finance companies (Housing Loans and Non-Housing Loans). Its product portfolio includes Individual Housing Loans, Home Improvement Loans, Home Extension loans, Land Loans, Home Loan Plus, Mortgage Loans, Non-Residential Property Loans, Home Loan Enhancement, and Loan Take Over / Balance Transfer. The company is exclusively engaged in the Housing Finance business, and revenues are mainly derived from this activity. The company generates the majority of its revenue from Interest Income.
59GF Score
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