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United CreditBOM:531091 -3.63%69 ROA % is 2.75% as of Mar. 2026, which is 16% below its 10-year median of 3.29. GuruFocus rates BOM:531091 with a GF Score™ of 69/100 and a GF Value™ of ₹27.49 (Fairly Valued). The stock has 5 warning signs investors should review. Among 547 Credit Services companies, United Credit ranks better than 63.07% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. United Credit's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹8.69 Mil.
United Credit's average Total Assets over the quarter that ended in Mar. 2026 was ₹315.60 Mil. Therefore, United Credit's annualized ROA % for the quarter that ended in Mar. 2026 was 2.75%.
The historical rank and industry rank for United Credit's ROA % or its related term are showing as below:
BOM:531091'
s ROA % Range Over the Past 10 Years
Min: 2.57 Med: 3.29 Max: 8.26
Current: 2.75
During the past 13 years, United Credit's highest ROA % was 8.26%. The lowest was 2.57%. And the median was 3.29%.
BOM:531091's ROA % is ranked better than 63.07% of 547
companies
in the Credit Services industry
Industry Median: 1.94
vs BOM:531091: 2.75
United Credit (BOM:531091) 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.
United Credit ROA % Related Terms
United Credit ROA % Historical Data
* Premium members only.
The historical data trend for United Credit'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, United Credit'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.
United Credit ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Credit's ROA % distribution charts can be found below:
* The bar in red indicates where United Credit'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.
United Credit (BOM:531091) has a ROA % of 2.75% 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 United Credit and its competitors. This is 16% below median its historical median of 3.29. Over the past decade, United Credit's ROA % has ranged from 2.57 to 8.26. According to the industry distribution chart, United Credit ranks #202 out of 547 companies in the Credit Services industry, placing it in the top 36.9%.
Is United Credit's ROA % too high?
United Credit's current ROA % of 2.75% is 16% below median its 10-year median of 3.29. Over the past 10 years, this metric has ranged from a low of 2.57 to a high of 8.26. The Credit Services industry median ROA % is 1.94. United Credit's value of 2.75% is 41.8% above this industry median. Based on the distribution chart, United Credit ranks #202 out of 547 companies in the Credit Services industry, which is above the industry midpoint. Overall, United Credit has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United Credit's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, United Credit ranks #202 out of 547 companies for ROA %. This puts United Credit in the upper half of its industry. The industry median ROA % is 1.94. United Credit's value of 2.75% is 41.8% above this benchmark. Historically, United Credit's own ROA % has ranged from 2.57 to 8.26 over the past decade. While the company's 10-year median is 3.29 vs. the industry median of 1.94, United Credit 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 547 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. United Credit's current ROA % of 2.75% is 41.8% 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 United Credit 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. United Credit's current ROA % is 2.75%, which is 16% below median its own 10-year median of 3.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Credit stock overvalued right now?
Based on GuruFocus' analysis, United Credit (BOM:531091) is currently considered Fairly Valued. The stock's GF Value™ is ₹27.49, compared to a current price of ₹26.01 — trading 5.4% below its estimated fair value. The current ROA % is 2.75%, which is 16% below median its 10-year median of 3.29 and 41.8% above the Credit Services industry median of 1.94. United Credit's overall GF Score™ is 69/100 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 United Credit (BOM:531091), the current ROA % is 2.75% 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 United Credit (BOM:531091) Overvalued in 2026?
Based on GuruFocus' analysis, United Credit stock appears to be undervalued.
The current stock price of ₹26.01 is trading 5.4% below its estimated GF Value™ of ₹27.49.
GuruFocus considers United Credit to be Fairly Valued.
Key valuation signals for BOM:531091:
ROA %: 2.75% (16% below median its 10-year median of 3.29)
GF Value™: ₹27.49 vs. price of ₹26.01 (5.4% below fair value)
Industry Position: 41.8% above the Credit Services median (#202 of 547)
No single metric tells the full story. See the BOM:531091 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Credit Ltd is an Indian (NBFC) non-banking financial company. The business is engaged in the lease, hire purchase, consumer financing, investment, and capital market operations. The company's operating segments include: Financing activity and Renting activity. The company derives substantial revenue from the Financing Activity.
69GF Score
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