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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Utkarsh Small Finance Bank's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹-7,521 Mil.
Utkarsh Small Finance Bank's average Total Assets over the quarter that ended in Mar. 2026 was ₹288,691 Mil. Therefore, Utkarsh Small Finance Bank's annualized ROA % for the quarter that ended in Mar. 2026 was -2.61%.
The historical rank and industry rank for Utkarsh Small Finance Bank's ROA % or its related term are showing as below:
BOM:543942'
s ROA % Range Over the Past 10 Years
Min: -4.09 Med: 0.69 Max: 2.37
Current: -4.09
During the past 6 years, Utkarsh Small Finance Bank's highest ROA % was 2.37%. The lowest was -4.09%. And the median was 0.69%.
BOM:543942's ROA % is ranked worse than 99.08% of 1527
companies
in the Banks industry
Industry Median: 0.98
vs BOM:543942: -4.09
Utkarsh Small Finance Bank (BOM:543942) 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.
* 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.
Utkarsh Small Finance Bank ROA % Competitor Comparison
For the Banks - Regional subindustry, Utkarsh Small Finance Bank'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.
Utkarsh Small Finance Bank ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Utkarsh Small Finance Bank's ROA % distribution charts can be found below:
* The bar in red indicates where Utkarsh Small Finance Bank'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.
Utkarsh Small Finance Bank (BOM:543942) has a ROA % of -2.61% 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 Utkarsh Small Finance Bank and its competitors. According to the industry distribution chart, Utkarsh Small Finance Bank ranks #1513 out of 1527 companies in the Banks industry, placing it in the top 99.1%.
Is Utkarsh Small Finance Bank's ROA % too high?
Utkarsh Small Finance Bank's current ROA % is -2.61%. Based on the distribution chart, Utkarsh Small Finance Bank ranks #1513 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Utkarsh Small Finance Bank has a GF Score™ of 67/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Utkarsh Small Finance Bank's ROA % compare to competitors?
According to the Banks industry distribution chart, Utkarsh Small Finance Bank ranks #1513 out of 1527 companies for ROA %. This places Utkarsh Small Finance Bank in the lower half of its industry. The industry median ROA % is 0.98. 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 Banks company?
The median ROA % among Banks companies is 0.98, based on 1,527 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 Utkarsh Small Finance Bank and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Utkarsh Small Finance Bank's current ROA % is -2.61%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Utkarsh Small Finance Bank stock overvalued right now?
Based on GuruFocus' analysis, Utkarsh Small Finance Bank (BOM:543942) is currently considered Possible Value Trap. The stock's GF Value™ is ₹21.65, compared to a current price of ₹14.97 — trading 30.9% below its estimated fair value. The current ROA % is -2.61%. Utkarsh Small Finance Bank's overall GF Score™ is 67/100 with 5 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 Utkarsh Small Finance Bank (BOM:543942), the current ROA % is -2.61% 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 Utkarsh Small Finance Bank (BOM:543942) Overvalued in 2026?
Based on GuruFocus' analysis, Utkarsh Small Finance Bank stock appears to be undervalued.
The current stock price of ₹14.97 is trading 30.9% below its estimated GF Value™ of ₹21.65.
GuruFocus considers Utkarsh Small Finance Bank to be Possible Value Trap.
Key valuation signals for BOM:543942:
ROA %: -2.61%
GF Value™: ₹21.65 vs. price of ₹14.97 (30.9% below fair value)
No single metric tells the full story. See the BOM:543942 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Utkarsh Small Finance Bank Ltd is an SFB in India. It offers a range of financial products and services that address the specific requirements of its customer segments while assessing factors including income profile and the type of security available. Its asset products include Microbanking loans, retail loans, wholesale lending, housing loans, commercial vehicle/construction equipment loans, and gold loans. On the liabilities side, the company offers savings accounts, current accounts, and a variety of term and recurring deposit accounts. The Bank's business segment includes Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. The bank generates the majority of its revenue from the Retail Banking segment.
67GF Score
Get the complete analysis for BOM:543942
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