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Ceejay FinanceBOM:530789 77 ROA % is 6.48% as of Mar. 2026, which is 0% below its 10-year median of 6.50. GuruFocus rates BOM:530789 with a GF Score™ of 77/100 and a GF Value™ of ₹210.98 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 546 Credit Services companies, Ceejay Finance ranks better than 85.71% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Ceejay Finance's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹84.3 Mil.
Ceejay Finance's average Total Assets over the quarter that ended in Mar. 2026 was ₹1,301.2 Mil. Therefore, Ceejay Finance's annualized ROA % for the quarter that ended in Mar. 2026 was 6.48%.
The historical rank and industry rank for Ceejay Finance's ROA % or its related term are showing as below:
BOM:530789'
s ROA % Range Over the Past 10 Years
Min: 5.88 Med: 6.5 Max: 8.29
Current: 6.06
During the past 13 years, Ceejay Finance's highest ROA % was 8.29%. The lowest was 5.88%. And the median was 6.50%.
BOM:530789's ROA % is ranked better than 85.71% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs BOM:530789: 6.06
Ceejay Finance (BOM:530789) 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.
Ceejay Finance ROA % Related Terms
Ceejay Finance ROA % Historical Data
* Premium members only.
The historical data trend for Ceejay Finance'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 Credit Services subindustry, Ceejay Finance'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.
Ceejay Finance ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ceejay Finance's ROA % distribution charts can be found below:
* The bar in red indicates where Ceejay Finance'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.
Ceejay Finance (BOM:530789) has a ROA % of 6.48% 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 Ceejay Finance and its competitors. This is near median its historical median of 6.50. Over the past decade, Ceejay Finance's ROA % has ranged from 5.88 to 8.29. According to the industry distribution chart, Ceejay Finance ranks #78 out of 546 companies in the Credit Services industry, placing it in the top 14.3%.
Is Ceejay Finance's ROA % too high?
Ceejay Finance's current ROA % of 6.48% is near median its 10-year median of 6.50. Over the past 10 years, this metric has ranged from a low of 5.88 to a high of 8.29. The Credit Services industry median ROA % is 1.93. Ceejay Finance's value of 6.48% is 235.8% above this industry median. Based on the distribution chart, Ceejay Finance ranks #78 out of 546 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Ceejay Finance has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Ceejay Finance's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Ceejay Finance ranks #78 out of 546 companies for ROA %. This places Ceejay Finance in the top 14% of its industry — outperforming the majority of peers. The industry median ROA % is 1.93. Ceejay Finance's value of 6.48% is 235.8% above this benchmark. Historically, Ceejay Finance's own ROA % has ranged from 5.88 to 8.29 over the past decade. While the company's 10-year median is 6.50 vs. the industry median of 1.93, Ceejay 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.93, based on 546 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. Ceejay Finance's current ROA % of 6.48% is 235.8% 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 Ceejay Finance and its competitors. For the Credit Services industry, the median ROA % is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ceejay Finance's current ROA % is 6.48%, which is near median its own 10-year median of 6.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ceejay Finance stock overvalued right now?
Based on GuruFocus' analysis, Ceejay Finance (BOM:530789) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹210.98, compared to a current price of ₹169.45 — trading 19.7% below its estimated fair value. The current ROA % is 6.48%, which is near median its 10-year median of 6.50 and 235.8% above the Credit Services industry median of 1.93. Ceejay Finance's overall GF Score™ is 77/100 with 5 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 Ceejay Finance (BOM:530789), the current ROA % is 6.48% 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 Ceejay Finance (BOM:530789) Overvalued in 2026?
Based on GuruFocus' analysis, Ceejay Finance stock appears to be undervalued.
The current stock price of ₹169.45 is trading 19.7% below its estimated GF Value™ of ₹210.98.
GuruFocus considers Ceejay Finance to be Modestly Undervalued.
Key valuation signals for BOM:530789:
ROA %: 6.48% (near median its 10-year median of 6.50)
GF Value™: ₹210.98 vs. price of ₹169.45 (19.7% below fair value)
Industry Position: 235.8% above the Credit Services median (#78 of 546)
No single metric tells the full story. See the BOM:530789 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ceejay Finance Ltd is a Non- Banking Financial Company operating in India. The company provides customized and flexible loans for new and used two-wheeler vehicles and four-wheeler loans to individuals and small businesses. It also offers Commercial loans, Personal loans, Loans against property, Microfinance loans, SME business loans, and Insurance services. The company's share of revenue comes from the interest amount generated on two-wheeler financing in rural areas. It is engaged in one business segment which is Finance service.
77GF Score
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