Geetanjali Credit and CapitalBOM:539486 34 ROA % is 6.89% as of Mar. 2026, which is 13680% above its 10-year median of 0.05. GuruFocus rates BOM:539486 with a GF Score™ of 34/100. The stock has 4 warning signs investors should review. Among 543 Credit Services companies, Geetanjali Credit and Capital ranks worse than 70.9% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Geetanjali Credit and Capital's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹2.32 Mil.
Geetanjali Credit and Capital's average Total Assets over the quarter that ended in Mar. 2026 was ₹33.71 Mil. Therefore, Geetanjali Credit and Capital's annualized ROA % for the quarter that ended in Mar. 2026 was 6.89%.
The historical rank and industry rank for Geetanjali Credit and Capital's ROA % or its related term are showing as below:
BOM:539486'
s ROA % Range Over the Past 10 Years
Min: -1.05 Med: 0.05 Max: 1.22
Current: 0.45
During the past 12 years, Geetanjali Credit and Capital's highest ROA % was 1.22%. The lowest was -1.05%. And the median was 0.05%.
BOM:539486's ROA % is ranked worse than 70.9% of 543
companies
in the Credit Services industry
Industry Median: 1.94
vs BOM:539486: 0.45
Geetanjali Credit and Capital (BOM:539486) 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.
Geetanjali Credit and Capital ROA % Related Terms
Geetanjali Credit and Capital 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 Credit Services subindustry, Geetanjali Credit and Capital'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.
Geetanjali Credit and Capital ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Geetanjali Credit and Capital's ROA % distribution charts can be found below:
* The bar in red indicates where Geetanjali Credit and Capital'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.
Geetanjali Credit and Capital (BOM:539486) has a ROA % of 6.89% 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 Geetanjali Credit and Capital and its competitors. This is 13680% above median its historical median of 0.05. According to the industry distribution chart, Geetanjali Credit and Capital ranks #385 out of 543 companies in the Credit Services industry, placing it in the top 70.9%.
Is Geetanjali Credit and Capital's ROA % too high?
Geetanjali Credit and Capital's current ROA % of 6.89% is 13680% above median its 10-year median of 0.05. The Credit Services industry median ROA % is 1.94. Geetanjali Credit and Capital's value of 6.89% is 255.2% above this industry median. Based on the distribution chart, Geetanjali Credit and Capital ranks #385 out of 543 companies in the Credit Services industry, which is below the industry midpoint. Overall, Geetanjali Credit and Capital has a GF Score™ of 34/100, reflecting its overall financial health beyond just this single metric.
How does Geetanjali Credit and Capital's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Geetanjali Credit and Capital ranks #385 out of 543 companies for ROA %. This places Geetanjali Credit and Capital in the lower half of its industry. The industry median ROA % is 1.94. Geetanjali Credit and Capital's value of 6.89% is 255.2% above this benchmark. While the company's 10-year median is 0.05 vs. the industry median of 1.94, Geetanjali Credit and Capital 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 543 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. Geetanjali Credit and Capital's current ROA % of 6.89% is 255.2% 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 Geetanjali Credit and Capital 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. Geetanjali Credit and Capital's current ROA % is 6.89%, which is 13680% above median its own 10-year median of 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Geetanjali Credit and Capital stock overvalued right now?
Geetanjali Credit and Capital (BOM:539486) has a current ROA % of 6.89%. The current ROA % is 6.89%, which is 13680% above median its 10-year median of 0.05 and 255.2% above the Credit Services industry median of 1.94. Geetanjali Credit and Capital's overall GF Score™ is 34/100 with 4 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 Geetanjali Credit and Capital (BOM:539486), the current ROA % is 6.89% 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.
Geetanjali Credit and Capital Business Description
Geetanjali Credit and Capital Ltd is a non-banking financial institution that provides finance and other services in India. It engages in investing in quoted and unquoted shares; advancing loans against listed shares, securities, and properties; margin funding; the provision of corporate and personal loans; trade financing and bill discounting; offering solutions for meeting liquidity requirements with technical insights into capital markets; and portfolio management/consultancy activities.
34GF Score
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