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Novus LoyaltyBOM:544735 21 ROA % is 14.78% as of Mar. 2026, which is 33% below its 10-year median of 22.13. GuruFocus rates BOM:544735 with a GF Score™ of 21/100. Among 2,894 Software companies, Novus Loyalty ranks better than 97.2% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Novus Loyalty's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹70 Mil.
Novus Loyalty's average Total Assets over the quarter that ended in Mar. 2026 was ₹471 Mil. Therefore, Novus Loyalty's annualized ROA % for the quarter that ended in Mar. 2026 was 14.78%.
The historical rank and industry rank for Novus Loyalty's ROA % or its related term are showing as below:
BOM:544735'
s ROA % Range Over the Past 10 Years
Min: 4.09 Med: 22.13 Max: 27.25
Current: 25.49
During the past 4 years, Novus Loyalty's highest ROA % was 27.25%. The lowest was 4.09%. And the median was 22.13%.
BOM:544735's ROA % is ranked better than 97.2% of 2894
companies
in the Software industry
Industry Median: 1.71
vs BOM:544735: 25.49
Novus Loyalty (BOM:544735) 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 two times the semi-annual (Mar. 2026) net income data. The Revenue data used here is two times the semi-annual (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.
Novus Loyalty ROA % Related Terms
Novus Loyalty ROA % Historical Data
* Premium members only.
The historical data trend for Novus Loyalty's ROA % can be seen below:
* 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.
Novus Loyalty ROA % Chart
Novus Loyalty Annual Data
Trend
Mar23
Mar24
Mar25
Mar26
ROA %
4.09
23.02
27.25
21.24
Novus Loyalty Semi-Annual Data
Mar23
Mar24
Mar25
Sep25
Mar26
ROA %
0.00
0.00
0.00
62.93
14.78
BOM:544735 vs UBER, SHOP, CRM: ROA % Comparison
For the Software - Application subindustry, Novus Loyalty'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.
Novus Loyalty ROA % vs Software Industry
For the Software industry and Technology sector, Novus Loyalty's ROA % distribution charts can be found below:
* The bar in red indicates where Novus Loyalty'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 two times the semi-annual (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Novus Loyalty (BOM:544735) has a ROA % of 14.78% 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 Novus Loyalty and its competitors. This is 33% below median its historical median of 22.13. Over the past decade, Novus Loyalty's ROA % has ranged from 4.09 to 27.25. According to the industry distribution chart, Novus Loyalty ranks #81 out of 2894 companies in the Software industry, placing it in the top 2.8%.
Is Novus Loyalty's ROA % too high?
Novus Loyalty's current ROA % of 14.78% is 33% below median its 10-year median of 22.13. Over the past 10 years, this metric has ranged from a low of 4.09 to a high of 27.25. The Software industry median ROA % is 1.71. Novus Loyalty's value of 14.78% is 764.3% above this industry median. Based on the distribution chart, Novus Loyalty ranks #81 out of 2894 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Novus Loyalty has a GF Score™ of 21/100, reflecting its overall financial health beyond just this single metric.
How does Novus Loyalty's ROA % compare to UBER and SHOP?
According to the Software industry distribution chart, Novus Loyalty ranks #81 out of 2894 companies for ROA %. This places Novus Loyalty in the top 3% of its industry — outperforming the majority of peers. The industry median ROA % is 1.71. Novus Loyalty's value of 14.78% is 764.3% above this benchmark. Historically, Novus Loyalty's own ROA % has ranged from 4.09 to 27.25 over the past decade. While the company's 10-year median is 22.13 vs. the industry median of 1.71, Novus Loyalty 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 Software company?
The median ROA % among Software companies is 1.71, based on 2,894 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. Novus Loyalty's current ROA % of 14.78% is 764.3% 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 Novus Loyalty and its competitors. For the Software industry, the median ROA % is 1.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Novus Loyalty's current ROA % is 14.78%, which is 33% below median its own 10-year median of 22.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Novus Loyalty stock overvalued right now?
Novus Loyalty (BOM:544735) has a current ROA % of 14.78%. The current ROA % is 14.78%, which is 33% below median its 10-year median of 22.13 and 764.3% above the Software industry median of 1.71. Novus Loyalty's overall GF Score™ is 21/100. 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 Novus Loyalty (BOM:544735), the current ROA % is 14.78% 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.
Novus Loyalty Ltd is a technology company engaged in providing loyalty and reward solutions to various industries such as Fintech, E-commerce, Software, Finance, Banking, FMCG and Real Estate. The company's operations involve the development, customization, installation, and implementation of loyalty and reward applications, together with post-implementation support, monitoring, and maintenance services. Its platform provides both customizable and ready-to-use program models, including point-based rewards, event-triggered campaigns, cashback systems, purchase-linked promotions, and digital vouchers. Its business verticals include: Technology, Redemptions, Merchant Promotions, and Digital Vouchers, with the majority of revenue deriving from Digital Vouchers.
21GF Score
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