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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. PNGS Gargi Fashion Jewellery's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹206 Mil.
PNGS Gargi Fashion Jewellery's average Total Assets over the quarter that ended in Mar. 2026 was ₹1,675 Mil. Therefore, PNGS Gargi Fashion Jewellery's annualized ROA % for the quarter that ended in Mar. 2026 was 12.28%.
The historical rank and industry rank for PNGS Gargi Fashion Jewellery's ROA % or its related term are showing as below:
BOM:543709'
s ROA % Range Over the Past 10 Years
Min: -3.41 Med: 26.35 Max: 36.97
Current: 20.88
During the past 7 years, PNGS Gargi Fashion Jewellery's highest ROA % was 36.97%. The lowest was -3.41%. And the median was 26.35%.
BOM:543709's ROA % is ranked better than 96.73% of 1130
companies
in the Retail - Cyclical industry
Industry Median: 2.725
vs BOM:543709: 20.88
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.
PNGS Gargi Fashion Jewellery ROA % Related Terms
PNGS Gargi Fashion Jewellery 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 Luxury Goods subindustry, PNGS Gargi Fashion Jewellery'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.
PNGS Gargi Fashion Jewellery ROA % vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, PNGS Gargi Fashion Jewellery's ROA % distribution charts can be found below:
* The bar in red indicates where PNGS Gargi Fashion Jewellery'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.
PNGS Gargi Fashion Jewellery (BOM:543709) has a ROA % of 12.28% 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 PNGS Gargi Fashion Jewellery and its competitors. This is 53% below median its historical median of 26.35. According to the industry distribution chart, PNGS Gargi Fashion Jewellery ranks #37 out of 1130 companies in the Retail - Cyclical industry, placing it in the top 3.3%.
Is PNGS Gargi Fashion Jewellery's ROA % too high?
PNGS Gargi Fashion Jewellery's current ROA % of 12.28% is 53% below median its 10-year median of 26.35. The Retail - Cyclical industry median ROA % is 2.73. PNGS Gargi Fashion Jewellery's value of 12.28% is 350.6% above this industry median. Based on the distribution chart, PNGS Gargi Fashion Jewellery ranks #37 out of 1130 companies in the Retail - Cyclical industry, which is in the top quartile — a strong position relative to peers. Overall, PNGS Gargi Fashion Jewellery has a GF Score™ of 96/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PNGS Gargi Fashion Jewellery's ROA % compare to TPR?
According to the Retail - Cyclical industry distribution chart, PNGS Gargi Fashion Jewellery ranks #37 out of 1130 companies for ROA %. This places PNGS Gargi Fashion Jewellery in the top 3% of its industry — outperforming the majority of peers. The industry median ROA % is 2.73. PNGS Gargi Fashion Jewellery's value of 12.28% is 350.6% above this benchmark. While the company's 10-year median is 26.35 vs. the industry median of 2.73, PNGS Gargi Fashion Jewellery 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 Retail - Cyclical company?
The median ROA % among Retail - Cyclical companies is 2.73, based on 1,130 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. PNGS Gargi Fashion Jewellery's current ROA % of 12.28% is 350.6% 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 PNGS Gargi Fashion Jewellery and its competitors. For the Retail - Cyclical industry, the median ROA % is 2.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PNGS Gargi Fashion Jewellery's current ROA % is 12.28%, which is 53% below median its own 10-year median of 26.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PNGS Gargi Fashion Jewellery stock overvalued right now?
Based on GuruFocus' analysis, PNGS Gargi Fashion Jewellery (BOM:543709) is currently considered Significantly Undervalued. The stock's GF Value™ is ₹1,234.20, compared to a current price of ₹716.65 — trading 41.9% below its estimated fair value. The current ROA % is 12.28%, which is 53% below median its 10-year median of 26.35 and 350.6% above the Retail - Cyclical industry median of 2.73. PNGS Gargi Fashion Jewellery's overall GF Score™ is 96/100 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 PNGS Gargi Fashion Jewellery (BOM:543709), the current ROA % is 12.28% 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 PNGS Gargi Fashion Jewellery (BOM:543709) Overvalued in 2026?
Based on GuruFocus' analysis, PNGS Gargi Fashion Jewellery stock appears to be undervalued.
The current stock price of ₹716.65 is trading 41.9% below its estimated GF Value™ of ₹1,234.20.
GuruFocus considers PNGS Gargi Fashion Jewellery to be Significantly Undervalued.
Key valuation signals for BOM:543709:
ROA %: 12.28% (53% below median its 10-year median of 26.35)
GF Value™: ₹1,234.20 vs. price of ₹716.65 (41.9% below fair value)
Industry Position: 350.6% above the Retail - Cyclical median (#37 of 1130)
No single metric tells the full story. See the BOM:543709 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PNGS Gargi Fashion Jewellery Ltd is engaged in the retail business of costume and fashion jewellery under the brand name Gargi. It mainly deals with sterling silver jewellery and brass jewellery, idols and other silverware and related gift items. The company offers various products, such as weddings and festivals, to daily-wear jewellery for all ages, genders and across various price points. Its product line includes earrings, necklaces, pendants, chains, finger rings, bracelets, anklets, nose pins, mangal sutra, pendant sets, bangles in brass or silver for females of all age groups, as well as male accessories such as rings, cufflinks, button sets and others. Its portfolio offers customers a wide variety of traditional, Indo-Western, and modern designs and jewellery.
96GF Score
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