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Vani CommercialsBOM:538918 -3.30%47 ROA % is 1.71% as of Dec. 2025, which is 434% above its 10-year median of 0.32. GuruFocus rates BOM:538918 with a GF Score™ of 47/100 and a GF Value™ of ₹11.09 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 548 Credit Services companies, Vani Commercials ranks worse than 60.04% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Vani Commercials's annualizedNet Income for the quarter that ended in Dec. 2025 was ₹9.20 Mil.
Vani Commercials's average Total Assets over the quarter that ended in Dec. 2025 was ₹537.80 Mil. Therefore, Vani Commercials's annualized ROA % for the quarter that ended in Dec. 2025 was 1.71%.
The historical rank and industry rank for Vani Commercials's ROA % or its related term are showing as below:
BOM:538918'
s ROA % Range Over the Past 10 Years
Min: 0.06 Med: 0.32 Max: 1.15
Current: 1.15
During the past 12 years, Vani Commercials's highest ROA % was 1.15%. The lowest was 0.06%. And the median was 0.32%.
BOM:538918's ROA % is ranked worse than 60.04% of 548
companies
in the Credit Services industry
Industry Median: 1.965
vs BOM:538918: 1.15
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 (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (Dec. 2025) 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.
Vani Commercials ROA % Related Terms
Vani Commercials ROA % Historical Data
* Premium members only.
The historical data trend for Vani Commercials'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, Vani Commercials'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.
Vani Commercials ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Vani Commercials's ROA % distribution charts can be found below:
* The bar in red indicates where Vani Commercials'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 (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Vani Commercials (BOM:538918) has a ROA % of 1.71% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Vani Commercials and its competitors. This is 434% above median its historical median of 0.32. Over the past decade, Vani Commercials' ROA % has ranged from 0.06 to 1.15. According to the industry distribution chart, Vani Commercials ranks #329 out of 548 companies in the Credit Services industry, placing it in the top 60%.
Is Vani Commercials' ROA % too high?
Vani Commercials' current ROA % of 1.71% is 434% above median its 10-year median of 0.32. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 1.15. The Credit Services industry median ROA % is 1.97. Vani Commercials' value of 1.71% is 13% below this industry median. Based on the distribution chart, Vani Commercials ranks #329 out of 548 companies in the Credit Services industry, which is below the industry midpoint. Overall, Vani Commercials has a GF Score™ of 47/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Vani Commercials' ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Vani Commercials ranks #329 out of 548 companies for ROA %. This places Vani Commercials in the lower half of its industry. The industry median ROA % is 1.97. Vani Commercials' value of 1.71% is 13% below this benchmark. Historically, Vani Commercials' own ROA % has ranged from 0.06 to 1.15 over the past decade. While the company's 10-year median is 0.32 vs. the industry median of 1.97, Vani Commercials has consistently been below 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 1.97, based on 548 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. Vani Commercials's current ROA % of 1.71% is 13% below 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 Vani Commercials and its competitors. For the Credit Services industry, the median ROA % is 1.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vani Commercials's current ROA % is 1.71%, which is 434% above median its own 10-year median of 0.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vani Commercials stock overvalued right now?
Based on GuruFocus' analysis, Vani Commercials (BOM:538918) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹11.09, compared to a current price of ₹7.91 — trading 28.7% below its estimated fair value. The current ROA % is 1.71%, which is 434% above median its 10-year median of 0.32 and 13% below the Credit Services industry median of 1.97. Vani Commercials' overall GF Score™ is 47/100 with 3 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 Vani Commercials (BOM:538918), the current ROA % is 1.71% as of Dec. 2025. 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 Vani Commercials (BOM:538918) Overvalued in 2026?
Based on GuruFocus' analysis, Vani Commercials stock appears to be undervalued.
The current stock price of ₹7.91 is trading 28.7% below its estimated GF Value™ of ₹11.09.
GuruFocus considers Vani Commercials to be Modestly Undervalued.
Key valuation signals for BOM:538918:
ROA %: 1.71% (434% above median its 10-year median of 0.32)
GF Value™: ₹11.09 vs. price of ₹7.91 (28.7% below fair value)
Industry Position: 13% below the Credit Services median (#329 of 548)
No single metric tells the full story. See the BOM:538918 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vani Commercials Ltd is an India-based non-banking finance company. Its product includes loans for the purchase of equipment and machinery, working capital loans, loans for business or capacity expansion, term loans against property, loans for the purchase of commercial property, and lease rental discounting. The company offers its lending services to Micro, Small, and Medium Enterprises. It derives key revenue from the Interest income.
47GF Score
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