Abirami Financial Services (India)BOM:511756 24 ROA % is 2.66% as of Mar. 2026, which is 33% above its 10-year median of 2.00. GuruFocus rates BOM:511756 with a GF Score™ of 24/100. The stock has 2 warning signs investors should review. Among 545 Credit Services companies, Abirami Financial Services (India) ranks better than 60.18% on this metric.
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.
Abirami Financial Services (India) ROA % Related Terms
Abirami Financial Services (India) ROA % Historical 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.
For the Credit Services subindustry, Abirami Financial Services (India)'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.
Abirami Financial Services (India) ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Abirami Financial Services (India)'s ROA % distribution charts can be found below:
* The bar in red indicates where Abirami Financial Services (India)'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.
Abirami Financial Services (India) (BOM:511756) has a ROA % of 2.66% 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 Abirami Financial Services (India) and its competitors. This is 33% above median its historical median of 2.00. According to the industry distribution chart, Abirami Financial Services (India) ranks #217 out of 545 companies in the Credit Services industry, placing it in the top 39.8%.
Is Abirami Financial Services (India)'s ROA % too high?
Abirami Financial Services (India)'s current ROA % of 2.66% is 33% above median its 10-year median of 2.00. The Credit Services industry median ROA % is 1.92. Abirami Financial Services (India)'s value of 2.66% is 38.5% above this industry median. Based on the distribution chart, Abirami Financial Services (India) ranks #217 out of 545 companies in the Credit Services industry, which is above the industry midpoint. Overall, Abirami Financial Services (India) has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does Abirami Financial Services (India)'s ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Abirami Financial Services (India) ranks #217 out of 545 companies for ROA %. This puts Abirami Financial Services (India) in the upper half of its industry. The industry median ROA % is 1.92. Abirami Financial Services (India)'s value of 2.66% is 38.5% above this benchmark. While the company's 10-year median is 2.00 vs. the industry median of 1.92, Abirami Financial Services (India) 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 1.92, based on 545 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. Abirami Financial Services (India)'s current ROA % of 2.66% is 38.5% 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 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 Abirami Financial Services (India) and its competitors. For the Credit Services industry, the median ROA % is 1.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abirami Financial Services (India)'s current ROA % is 2.66%, which is 33% above median its own 10-year median of 2.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abirami Financial Services (India) stock overvalued right now?
Abirami Financial Services (India) (BOM:511756) has a current ROA % of 2.66%. The current ROA % is 2.66%, which is 33% above median its 10-year median of 2.00 and 38.5% above the Credit Services industry median of 1.92. Abirami Financial Services (India)'s overall GF Score™ is 24/100 with 2 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 Abirami Financial Services (India) (BOM:511756), the current ROA % is 2.66% 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.
Abirami Financial Services (India) Business Description
Abirami Financial Services (India) Ltd is a non-banking financial company. Its business includes hiring purchase, leasing, and lending money against securities, movable and immovable properties.
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