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Aadhar Housing FinanceBOM:544176 -0.69%36 ROA % is 4.12% as of Jun. 2026, which is 7% above its 10-year median of 3.86. GuruFocus rates BOM:544176 with a GF Score™ of 36/100. The stock has 6 warning signs investors should review. Among 1,521 Banks companies, Aadhar Housing Finance ranks better than 97.44% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Aadhar Housing Finance's annualizedNet Income for the quarter that ended in Jun. 2026 was ₹11,294 Mil.
Aadhar Housing Finance's average Total Assets over the quarter that ended in Jun. 2026 was ₹273,988 Mil. Therefore, Aadhar Housing Finance's annualized ROA % for the quarter that ended in Jun. 2026 was 4.12%.
The historical rank and industry rank for Aadhar Housing Finance's ROA % or its related term are showing as below:
BOM:544176'
s ROA % Range Over the Past 10 Years
Min: 2.5 Med: 3.86 Max: 4.52
Current: 4.52
During the past 6 years, Aadhar Housing Finance's highest ROA % was 4.52%. The lowest was 2.50%. And the median was 3.86%.
BOM:544176's ROA % is ranked better than 97.44% of 1521
companies
in the Banks industry
Industry Median: 1.02
vs BOM:544176: 4.52
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 (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 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, Aadhar Housing 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.
Aadhar Housing Finance ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Aadhar Housing Finance's ROA % distribution charts can be found below:
* The bar in red indicates where Aadhar Housing 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 (Jun. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Aadhar Housing Finance (BOM:544176) has a ROA % of 4.12% as of Jun. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Aadhar Housing Finance and its competitors. This is near median its historical median of 3.86. Over the past decade, Aadhar Housing Finance's ROA % has ranged from 2.50 to 4.52. According to the industry distribution chart, Aadhar Housing Finance ranks #39 out of 1521 companies in the Banks industry, placing it in the top 2.6%.
Is Aadhar Housing Finance's ROA % too high?
Aadhar Housing Finance's current ROA % of 4.12% is near median its 10-year median of 3.86. Over the past 10 years, this metric has ranged from a low of 2.50 to a high of 4.52. The Banks industry median ROA % is 1.02. Aadhar Housing Finance's value of 4.12% is 303.9% above this industry median. Based on the distribution chart, Aadhar Housing Finance ranks #39 out of 1521 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Aadhar Housing Finance has a GF Score™ of 36/100, reflecting its overall financial health beyond just this single metric.
How does Aadhar Housing Finance's ROA % compare to RKT and FNMA?
According to the Banks industry distribution chart, Aadhar Housing Finance ranks #39 out of 1521 companies for ROA %. This places Aadhar Housing Finance in the top 3% of its industry — outperforming the majority of peers. The industry median ROA % is 1.02. Aadhar Housing Finance's value of 4.12% is 303.9% above this benchmark. Historically, Aadhar Housing Finance's own ROA % has ranged from 2.50 to 4.52 over the past decade. While the company's 10-year median is 3.86 vs. the industry median of 1.02, Aadhar Housing 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 1.02, based on 1,521 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. Aadhar Housing Finance's current ROA % of 4.12% is 303.9% 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 Aadhar Housing Finance and its competitors. For the Banks industry, the median ROA % is 1.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aadhar Housing Finance's current ROA % is 4.12%, which is near median its own 10-year median of 3.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aadhar Housing Finance stock overvalued right now?
Aadhar Housing Finance (BOM:544176) has a current ROA % of 4.12%. The current ROA % is 4.12%, which is near median its 10-year median of 3.86 and 303.9% above the Banks industry median of 1.02. Aadhar Housing Finance's overall GF Score™ is 36/100 with 6 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 Aadhar Housing Finance (BOM:544176), the current ROA % is 4.12% as of Jun. 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.
Aadhar Housing Finance Ltd is a housing finance company. It provides home loan services to the low-to-middle-income group segment in the low-income housing finance sector. The Company offers a range of mortgage-related loan products, including loans for residential property purchase and construction; home improvement and extension loans; loans for commercial property construction and acquisition, and loans against residential properties. Geographically, it generates all of its revenue within India.
36GF Score
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