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Finbud Financial ServicesNSE:FINBUD +3.39%18 ROA % is 9.87% as of Mar. 2026, which is 20% below its 10-year median of 12.29. GuruFocus rates NSE:FINBUD with a GF Score™ of 18/100. The stock has 2 warning signs investors should review. Among 545 Credit Services companies, Finbud Financial Services ranks better than 94.5% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Finbud Financial Services's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹116 Mil.
Finbud Financial Services's average Total Assets over the quarter that ended in Mar. 2026 was ₹1,180 Mil. Therefore, Finbud Financial Services's annualized ROA % for the quarter that ended in Mar. 2026 was 9.87%.
The historical rank and industry rank for Finbud Financial Services's ROA % or its related term are showing as below:
NSE:FINBUD'
s ROA % Range Over the Past 10 Years
Min: 6.67 Med: 12.29 Max: 15.62
Current: 9.87
During the past 4 years, Finbud Financial Services's highest ROA % was 15.62%. The lowest was 6.67%. And the median was 12.29%.
NSE:FINBUD's ROA % is ranked better than 94.5% of 545
companies
in the Credit Services industry
Industry Median: 1.91
vs NSE:FINBUD: 9.87
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 one times the annual (Mar. 2026) net income data. The Revenue data used here is one times the 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.
* 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.
Finbud Financial Services ROA % Chart
Finbud Financial Services Annual Data
Trend
Mar23
Mar24
Mar25
Mar26
ROA %
6.67
15.62
14.71
9.87
Finbud Financial Services Semi-Annual Data
Mar23
Mar24
Mar25
Mar26
ROA %
6.67
15.62
14.71
9.87
NSE:FINBUD vs V, MA, AXP: ROA % Comparison
For the Credit Services subindustry, Finbud Financial Services'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.
Finbud Financial Services ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finbud Financial Services's ROA % distribution charts can be found below:
* The bar in red indicates where Finbud Financial Services'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 one times the annual (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Finbud Financial Services (NSE:FINBUD) has a ROA % of 9.87% 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 Finbud Financial Services and its competitors. This is 20% below median its historical median of 12.29. Over the past decade, Finbud Financial Services' ROA % has ranged from 6.67 to 15.62. According to the industry distribution chart, Finbud Financial Services ranks #30 out of 545 companies in the Credit Services industry, placing it in the top 5.5%.
Is Finbud Financial Services' ROA % too high?
Finbud Financial Services' current ROA % of 9.87% is 20% below median its 10-year median of 12.29. Over the past 10 years, this metric has ranged from a low of 6.67 to a high of 15.62. The Credit Services industry median ROA % is 1.91. Finbud Financial Services' value of 9.87% is 416.8% above this industry median. Based on the distribution chart, Finbud Financial Services ranks #30 out of 545 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Finbud Financial Services has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does Finbud Financial Services' ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Finbud Financial Services ranks #30 out of 545 companies for ROA %. This places Finbud Financial Services in the top 6% of its industry — outperforming the majority of peers. The industry median ROA % is 1.91. Finbud Financial Services' value of 9.87% is 416.8% above this benchmark. Historically, Finbud Financial Services' own ROA % has ranged from 6.67 to 15.62 over the past decade. While the company's 10-year median is 12.29 vs. the industry median of 1.91, Finbud Financial Services 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 Credit Services company?
The median ROA % among Credit Services companies is 1.91, based on 545 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. Finbud Financial Services's current ROA % of 9.87% is 416.8% 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 Finbud Financial Services and its competitors. For the Credit Services industry, the median ROA % is 1.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finbud Financial Services's current ROA % is 9.87%, which is 20% below median its own 10-year median of 12.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finbud Financial Services stock overvalued right now?
Finbud Financial Services (NSE:FINBUD) has a current ROA % of 9.87%. The current ROA % is 9.87%, which is 20% below median its 10-year median of 12.29 and 416.8% above the Credit Services industry median of 1.91. Finbud Financial Services' overall GF Score™ is 18/100 with 2 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 Finbud Financial Services (NSE:FINBUD), the current ROA % is 9.87% 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.
Finbud Financial Services Ltd is engaged in the business of financial advisory, brokerage, and consultancy services, operating as a retail loan aggregation platform in India that helps people obtain personal, business, and home loans from banks and non-banking financial companies. The company acquires customers through a hybrid strategy using digital marketing and a wide network of external agents, and earns a commission from lenders upon loan disbursement. Its hybrid business model includes conventional lending through the Agent channel and digital lending through the Digital Channel, supported by partnerships with a wide network of lenders to offer tailored loan solutions that meet diverse customer needs.
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