Jahangir SiddiquiKAR:JSCL +1.25%73 ROA % is 0.18% as of Mar. 2026, which is 51% below its 10-year median of 0.37. GuruFocus rates KAR:JSCL with a GF Score™ of 73/100 and a GF Value™ of ₨19.17 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,529 Banks companies, Jahangir Siddiqui ranks worse than 83.26% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Jahangir Siddiqui's annualizedNet Income for the quarter that ended in Mar. 2026 was ₨2,613 Mil.
Jahangir Siddiqui's average Total Assets over the quarter that ended in Mar. 2026 was ₨1,446,587 Mil. Therefore, Jahangir Siddiqui's annualized ROA % for the quarter that ended in Mar. 2026 was 0.18%.
The historical rank and industry rank for Jahangir Siddiqui's ROA % or its related term are showing as below:
KAR:JSCL'
s ROA % Range Over the Past 10 Years
Min: 0.02 Med: 0.37 Max: 0.95
Current: 0.38
During the past 13 years, Jahangir Siddiqui's highest ROA % was 0.95%. The lowest was 0.02%. And the median was 0.37%.
KAR:JSCL's ROA % is ranked worse than 83.26% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs KAR:JSCL: 0.38
Jahangir Siddiqui (KAR:JSCL) 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.
Jahangir Siddiqui ROA % Related Terms
Jahangir Siddiqui ROA % Historical Data
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The historical data trend for Jahangir Siddiqui'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.
For the Banks - Regional subindustry, Jahangir Siddiqui'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.
Jahangir Siddiqui ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Jahangir Siddiqui's ROA % distribution charts can be found below:
* The bar in red indicates where Jahangir Siddiqui'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.
Jahangir Siddiqui (KAR:JSCL) has a ROA % of 0.18% 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 Jahangir Siddiqui and its competitors. This is 51% below median its historical median of 0.37. Over the past decade, Jahangir Siddiqui's ROA % has ranged from 0.02 to 0.95. According to the industry distribution chart, Jahangir Siddiqui ranks #1273 out of 1529 companies in the Banks industry, placing it in the top 83.3%.
Is Jahangir Siddiqui's ROA % too high?
Jahangir Siddiqui's current ROA % of 0.18% is 51% below median its 10-year median of 0.37. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.95. The Banks industry median ROA % is 0.98. Jahangir Siddiqui's value of 0.18% is 81.6% below this industry median. Based on the distribution chart, Jahangir Siddiqui ranks #1273 out of 1529 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Jahangir Siddiqui has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jahangir Siddiqui's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Jahangir Siddiqui ranks #1273 out of 1529 companies for ROA %. This places Jahangir Siddiqui in the lower half of its industry. The industry median ROA % is 0.98. Jahangir Siddiqui's value of 0.18% is 81.6% below this benchmark. Historically, Jahangir Siddiqui's own ROA % has ranged from 0.02 to 0.95 over the past decade. While the company's 10-year median is 0.37 vs. the industry median of 0.98, Jahangir Siddiqui has consistently been below 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 1,529 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. Jahangir Siddiqui's current ROA % of 0.18% is 81.6% below 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 Jahangir Siddiqui 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. Jahangir Siddiqui's current ROA % is 0.18%, which is 51% below median its own 10-year median of 0.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jahangir Siddiqui stock overvalued right now?
Based on GuruFocus' analysis, Jahangir Siddiqui (KAR:JSCL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨19.17, compared to a current price of ₨21.92 — trading 14.3% above its estimated fair value. The current ROA % is 0.18%, which is 51% below median its 10-year median of 0.37 and 81.6% below the Banks industry median of 0.98. Jahangir Siddiqui's overall GF Score™ is 73/100 with 4 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 Jahangir Siddiqui (KAR:JSCL), the current ROA % is 0.18% 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 Jahangir Siddiqui (KAR:JSCL) Overvalued in 2026?
Based on GuruFocus' analysis, Jahangir Siddiqui stock appears to be overvalued.
The current stock price of ₨21.92 is trading 14.3% above its estimated GF Value™ of ₨19.17.
GuruFocus considers Jahangir Siddiqui to be Modestly Overvalued.
Key valuation signals for KAR:JSCL:
ROA %: 0.18% (51% below median its 10-year median of 0.37)
GF Value™: ₨19.17 vs. price of ₨21.92 (14.3% above fair value)
Industry Position: 81.6% below the Banks median (#1273 of 1529)
No single metric tells the full story. See the KAR:JSCL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jahangir Siddiqui & Co Ltd offers banking services. The company operates through a various business segment that is Capital Market and Brokerage, which is engaged in trading equity securities, maintaining strategic and trading portfolios and earning share brokerage and money market, forex and commodity brokerage; Banking, which provides investment and commercial banking; Investment Advisor/assets manager, which provides investment advisory and asset management services to different mutual funds and unit trusts; Energy Infrastructure and petroleum segment engaged into investment in the oil marketing sector and storage of petroleum, Liquified Petroleum gas and allied products; and Others. The Banking segment generates maximum revenue for the company.
73GF Score
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