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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. India Finsec's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹0.0 Mil.
India Finsec's average Total Assets over the quarter that ended in Mar. 2026 was ₹5,902.7 Mil. Therefore, India Finsec's annualized ROA % for the quarter that ended in Mar. 2026 was 0.00%.
The historical rank and industry rank for India Finsec's ROA % or its related term are showing as below:
BOM:535667'
s ROA % Range Over the Past 10 Years
Min: 1.33 Med: 3.26 Max: 4.14
Current: 3.1
During the past 13 years, India Finsec's highest ROA % was 4.14%. The lowest was 1.33%. And the median was 3.26%.
BOM:535667's ROA % is ranked better than 66.67% of 546
companies
in the Credit Services industry
Industry Median: 1.94
vs BOM:535667: 3.10
India Finsec (BOM:535667) 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.
India Finsec ROA % Related Terms
India Finsec ROA % Historical Data
* Premium members only.
The historical data trend for India Finsec'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, India Finsec'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.
India Finsec ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, India Finsec's ROA % distribution charts can be found below:
* The bar in red indicates where India Finsec'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.
India Finsec (BOM:535667) has a ROA % of 0.00% 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 India Finsec and its competitors. Over the past decade, India Finsec's ROA % has ranged from 1.33 to 4.14. According to the industry distribution chart, India Finsec ranks #182 out of 546 companies in the Credit Services industry, placing it in the top 33.3%.
Is India Finsec's ROA % too high?
India Finsec's current ROA % is 0.00%. Over the past 10 years, this metric has ranged from a low of 1.33 to a high of 4.14. Based on the distribution chart, India Finsec ranks #182 out of 546 companies in the Credit Services industry, which is above the industry midpoint. Overall, India Finsec has a GF Score™ of 50/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does India Finsec's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, India Finsec ranks #182 out of 546 companies for ROA %. This puts India Finsec in the upper half of its industry. The industry median ROA % is 1.94. Historically, India Finsec's own ROA % has ranged from 1.33 to 4.14 over the past decade. 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 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. 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 India Finsec 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. India Finsec's current ROA % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Finsec stock overvalued right now?
Based on GuruFocus' analysis, India Finsec (BOM:535667) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹180.02, compared to a current price of ₹228.40 — trading 26.9% above its estimated fair value. The current ROA % is 0.00%. India Finsec's overall GF Score™ is 50/100 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 India Finsec (BOM:535667), the current ROA % is 0.00% 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 India Finsec (BOM:535667) Overvalued in 2026?
Based on GuruFocus' analysis, India Finsec stock appears to be overvalued.
The current stock price of ₹228.40 is trading 26.9% above its estimated GF Value™ of ₹180.02.
GuruFocus considers India Finsec to be Modestly Overvalued.
Key valuation signals for BOM:535667:
ROA %: 0.00%
GF Value™: ₹180.02 vs. price of ₹228.40 (26.9% above fair value)
No single metric tells the full story. See the BOM:535667 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
India Finsec Ltd operates as a non-banking financial company. It is engaged in the business of financing, inter corporate deposits, advancing short-term loans, long-term loans, granting credits to individuals and companies, etc. The company also deals in stocks, shares, and securities. It is engaged in a single segment, i.e., finance/lending.
50GF Score
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ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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