ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Oracle Financial Services Software's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹33,668 Mil.
Oracle Financial Services Software's average Total Assets over the quarter that ended in Mar. 2026 was ₹99,339 Mil. Therefore, Oracle Financial Services Software's annualized ROA % for the quarter that ended in Mar. 2026 was 33.89%.
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.
Oracle Financial Services Software ROA % Related Terms
Oracle Financial Services Software 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 Software - Infrastructure subindustry, Oracle Financial Services Software'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.
Oracle Financial Services Software ROA % vs Software Industry
* 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.
Oracle Financial Services Software (BOM:532466) has a ROA % of 33.89% 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 Oracle Financial Services Software and its competitors. This is 55% above median its historical median of 21.91. Over the past decade, Oracle Financial Services Software's ROA % has ranged from 20.06 to 26.95. According to the industry distribution chart, Oracle Financial Services Software ranks #73 out of 2876 companies in the Software industry, placing it in the top 2.5%.
Is Oracle Financial Services Software's ROA % too high?
Oracle Financial Services Software's current ROA % of 33.89% is 55% above median its 10-year median of 21.91. Over the past 10 years, this metric has ranged from a low of 20.06 to a high of 26.95. The Software industry median ROA % is 1.68. Oracle Financial Services Software's value of 33.89% is 1923.3% above this industry median. Based on the distribution chart, Oracle Financial Services Software ranks #73 out of 2876 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Oracle Financial Services Software has a GF Score™ of 88/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oracle Financial Services Software's ROA % compare to MSFT and ORCL?
According to the Software industry distribution chart, Oracle Financial Services Software ranks #73 out of 2876 companies for ROA %. This places Oracle Financial Services Software in the top 3% of its industry — outperforming the majority of peers. The industry median ROA % is 1.68. Oracle Financial Services Software's value of 33.89% is 1923.3% above this benchmark. Historically, Oracle Financial Services Software's own ROA % has ranged from 20.06 to 26.95 over the past decade. While the company's 10-year median is 21.91 vs. the industry median of 1.68, Oracle Financial Services Software 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 Software company?
The median ROA % among Software companies is 1.68, based on 2,876 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. Oracle Financial Services Software's current ROA % of 33.89% is 1923.3% 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 Oracle Financial Services Software and its competitors. For the Software industry, the median ROA % is 1.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oracle Financial Services Software's current ROA % is 33.89%, which is 55% above median its own 10-year median of 21.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oracle Financial Services Software stock overvalued right now?
Based on GuruFocus' analysis, Oracle Financial Services Software (BOM:532466) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹9,807.28, compared to a current price of ₹11,010.50 — trading 12.3% above its estimated fair value. The current ROA % is 33.89%, which is 55% above median its 10-year median of 21.91 and 1923.3% above the Software industry median of 1.68. Oracle Financial Services Software's overall GF Score™ is 88/100 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 Oracle Financial Services Software (BOM:532466), the current ROA % is 33.89% 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 Oracle Financial Services Software (BOM:532466) Overvalued in 2026?
Based on GuruFocus' analysis, Oracle Financial Services Software stock appears to be overvalued.
The current stock price of ₹11,010.50 is trading 12.3% above its estimated GF Value™ of ₹9,807.28.
GuruFocus considers Oracle Financial Services Software to be Modestly Overvalued.
Key valuation signals for BOM:532466:
ROA %: 33.89% (55% above median its 10-year median of 21.91)
GF Value™: ₹9,807.28 vs. price of ₹11,010.50 (12.3% above fair value)
Industry Position: 1923.3% above the Software median (#73 of 2876)
No single metric tells the full story. See the BOM:532466 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oracle Financial Services Software Business Description
Oracle Financial Services Software Ltd is an India-based provider of software systems, computer systems, and consulting services. Its flagship Flexcube offerings include universal banking, investor servicing, private banking, lending and leasing, Islamic banking, Internet and mobile banking, remit, and collateral management capabilities. Its other offerings include analytical infrastructure applications, financial crime analysis, and compliance management applications. The firm also offers support and business process outsourcing services. The company has two reportable segments Product licenses and related activities ('Products') and IT solutions and consulting services ('Services'). Geographically the company generates the majority of its revenue from the Product segment.
88GF Score
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