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Bajaj Housing FinanceBOM:544252 -1.18%7 ROA % is 2.25% as of Jun. 2026, which is 1% above its 10-year median of 2.23. GuruFocus rates BOM:544252 with a GF Score™ of 7/100. The stock has 3 warning signs investors should review. Among 1,528 Banks companies, Bajaj Housing Finance ranks better than 90.31% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Bajaj Housing Finance's annualizedNet Income for the quarter that ended in Jun. 2026 was ₹28,611 Mil.
Bajaj Housing Finance's average Total Assets over the quarter that ended in Jun. 2026 was ₹1,271,471 Mil. Therefore, Bajaj Housing Finance's annualized ROA % for the quarter that ended in Jun. 2026 was 2.25%.
The historical rank and industry rank for Bajaj Housing Finance's ROA % or its related term are showing as below:
BOM:544252'
s ROA % Range Over the Past 10 Years
Min: 1.46 Med: 2.23 Max: 2.36
Current: 2.33
During the past 5 years, Bajaj Housing Finance's highest ROA % was 2.36%. The lowest was 1.46%. And the median was 2.23%.
BOM:544252's ROA % is ranked better than 90.31% of 1528
companies
in the Banks industry
Industry Median: 1
vs BOM:544252: 2.33
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, Bajaj 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.
Bajaj Housing Finance ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Bajaj Housing Finance's ROA % distribution charts can be found below:
* The bar in red indicates where Bajaj 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.
Bajaj Housing Finance (BOM:544252) has a ROA % of 2.25% 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 Bajaj Housing Finance and its competitors. This is near median its historical median of 2.23. Over the past decade, Bajaj Housing Finance's ROA % has ranged from 1.46 to 2.36. According to the industry distribution chart, Bajaj Housing Finance ranks #148 out of 1528 companies in the Banks industry, placing it in the top 9.7%.
Is Bajaj Housing Finance's ROA % too high?
Bajaj Housing Finance's current ROA % of 2.25% is near median its 10-year median of 2.23. Over the past 10 years, this metric has ranged from a low of 1.46 to a high of 2.36. The Banks industry median ROA % is 1.00. Bajaj Housing Finance's value of 2.25% is 125% above this industry median. Based on the distribution chart, Bajaj Housing Finance ranks #148 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bajaj Housing Finance has a GF Score™ of 7/100, reflecting its overall financial health beyond just this single metric.
How does Bajaj Housing Finance's ROA % compare to RKT and FNMA?
According to the Banks industry distribution chart, Bajaj Housing Finance ranks #148 out of 1528 companies for ROA %. This places Bajaj Housing Finance in the top 10% of its industry — outperforming the majority of peers. The industry median ROA % is 1.00. Bajaj Housing Finance's value of 2.25% is 125% above this benchmark. Historically, Bajaj Housing Finance's own ROA % has ranged from 1.46 to 2.36 over the past decade. While the company's 10-year median is 2.23 vs. the industry median of 1.00, Bajaj 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 1.00, based on 1,528 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. Bajaj Housing Finance's current ROA % of 2.25% is 125% 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 Bajaj Housing Finance and its competitors. For the Banks industry, the median ROA % is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bajaj Housing Finance's current ROA % is 2.25%, which is near median its own 10-year median of 2.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bajaj Housing Finance stock overvalued right now?
Bajaj Housing Finance (BOM:544252) has a current ROA % of 2.25%. The current ROA % is 2.25%, which is near median its 10-year median of 2.23 and 125% above the Banks industry median of 1.00. Bajaj Housing Finance's overall GF Score™ is 7/100 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 Bajaj Housing Finance (BOM:544252), the current ROA % is 2.25% 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.
Bajaj Housing Finance Ltd is a non-deposit-taking Housing Finance Company. The company offers financial solutions tailored to individuals and corporate entities for the purchase and renovation of homes and commercial spaces. The mortgage product suite of the company is comprehensive and comprises home loans, loans against property (LAP), lease rental discounting, and developer financing. The company's emphasis is on individual retail housing loans, complemented by a diversified collection of lease rental discounting and developer loans.
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