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India Shelter FinanceBOM:544044 -0.12%38 ROA % is 5.83% as of Mar. 2026, which is 24% above its 10-year median of 4.72. GuruFocus rates BOM:544044 with a GF Score™ of 38/100. The stock has 5 warning signs investors should review. Among 1,527 Banks companies, India Shelter Finance ranks better than 98.43% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. India Shelter Finance's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹5,602 Mil.
India Shelter Finance's average Total Assets over the quarter that ended in Mar. 2026 was ₹96,150 Mil. Therefore, India Shelter Finance's annualized ROA % for the quarter that ended in Mar. 2026 was 5.83%.
The historical rank and industry rank for India Shelter Finance's ROA % or its related term are showing as below:
BOM:544044'
s ROA % Range Over the Past 10 Years
Min: 3.55 Med: 4.72 Max: 5.85
Current: 5.85
During the past 6 years, India Shelter Finance's highest ROA % was 5.85%. The lowest was 3.55%. And the median was 4.72%.
BOM:544044's ROA % is ranked better than 98.43% of 1527
companies
in the Banks industry
Industry Median: 0.98
vs BOM:544044: 5.85
India Shelter Finance (BOM:544044) 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.
For the Mortgage Finance subindustry, India Shelter Finance'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 Shelter Finance ROA % vs Banks Industry
For the Banks industry and Financial Services sector, India Shelter Finance's ROA % distribution charts can be found below:
* The bar in red indicates where India Shelter Finance'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 Shelter Finance (BOM:544044) has a ROA % of 5.83% 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 Shelter Finance and its competitors. This is 24% above median its historical median of 4.72. Over the past decade, India Shelter Finance's ROA % has ranged from 3.55 to 5.85. According to the industry distribution chart, India Shelter Finance ranks #24 out of 1527 companies in the Banks industry, placing it in the top 1.6%.
Is India Shelter Finance's ROA % too high?
India Shelter Finance's current ROA % of 5.83% is 24% above median its 10-year median of 4.72. Over the past 10 years, this metric has ranged from a low of 3.55 to a high of 5.85. The Banks industry median ROA % is 0.98. India Shelter Finance's value of 5.83% is 494.9% above this industry median. Based on the distribution chart, India Shelter Finance ranks #24 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, India Shelter Finance has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does India Shelter Finance's ROA % compare to RKT and FNMA?
According to the Banks industry distribution chart, India Shelter Finance ranks #24 out of 1527 companies for ROA %. This places India Shelter Finance in the top 2% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. India Shelter Finance's value of 5.83% is 494.9% above this benchmark. Historically, India Shelter Finance's own ROA % has ranged from 3.55 to 5.85 over the past decade. While the company's 10-year median is 4.72 vs. the industry median of 0.98, India Shelter Finance 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 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. India Shelter Finance's current ROA % of 5.83% is 494.9% 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 India Shelter Finance 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. India Shelter Finance's current ROA % is 5.83%, which is 24% above median its own 10-year median of 4.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Shelter Finance stock overvalued right now?
India Shelter Finance (BOM:544044) has a current ROA % of 5.83%. The current ROA % is 5.83%, which is 24% above median its 10-year median of 4.72 and 494.9% above the Banks industry median of 0.98. India Shelter Finance's overall GF Score™ is 38/100 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 India Shelter Finance (BOM:544044), the current ROA % is 5.83% 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.
India Shelter Finance Corporation Ltd caters to the housing needs of the self-employed, informal segment of customers, belonging to the middle income, predominantly from semi-urban and rural markets. It is engaged in providing secured retail home loans, home equity loans, and loans against property to borrowers for a period of up to twenty years. These loans are mainly to be used by borrowers for home purchase, home improvements, home extension, and the construction of dwelling units on plots owned by borrowers. Geographically, the company's operations are spread across different regions in India.
38GF Score
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