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ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Intec Capital's annualized net income for the quarter that ended in Mar. 2026 was ₹196.7 Mil. Intec Capital's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was ₹414.2 Mil. Therefore, Intec Capital's annualized ROE % for the quarter that ended in Mar. 2026 was 47.49%.
The historical rank and industry rank for Intec Capital's ROE % or its related term are showing as below:
BOM:526871'
s ROE % Range Over the Past 10 Years
Min: -56 Med: -5.12 Max: 31.24
Current: 18.35
During the past 13 years, Intec Capital's highest ROE % was 31.24%. The lowest was -56.00%. And the median was -5.12%.
BOM:526871's ROE % is ranked better than 83.99% of 531
companies
in the Credit Services industry
Industry Median: 6.67
vs BOM:526871: 18.35
Intec Capital (BOM:526871) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Intec Capital ROE % Related Terms
Intec Capital ROE % Historical Data
* Premium members only.
The historical data trend for Intec Capital's ROE % 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 Credit Services subindustry, Intec Capital's ROE %, along with its competitors' market caps and ROE % 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.
Intec Capital ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Intec Capital's ROE % distribution charts can be found below:
* The bar in red indicates where Intec Capital's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Intec Capital (BOM:526871) has a ROE % of 47.49% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Intec Capital and its competitors. According to the industry distribution chart, Intec Capital ranks #85 out of 531 companies in the Credit Services industry, placing it in the top 16%.
Is Intec Capital's ROE % too high?
Intec Capital's current ROE % is 47.49%. The Credit Services industry median ROE % is 6.67. Intec Capital's value of 47.49% is 612% above this industry median. Based on the distribution chart, Intec Capital ranks #85 out of 531 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Intec Capital has a GF Score™ of 39/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Intec Capital's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Intec Capital ranks #85 out of 531 companies for ROE %. This places Intec Capital in the top 16% of its industry — outperforming the majority of peers. The industry median ROE % is 6.67. Intec Capital's value of 47.49% is 612% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.67, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Intec Capital's current ROE % of 47.49% is 612% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Intec Capital and its competitors. For the Credit Services industry, the median ROE % is 6.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intec Capital's current ROE % is 47.49%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Intec Capital stock overvalued right now?
Based on GuruFocus' analysis, Intec Capital (BOM:526871) is currently considered Possible Value Trap. The stock's GF Value™ is ₹97.58, compared to a current price of ₹15.49 — trading 84.1% below its estimated fair value. The current ROE % is 47.49% and 612% above the Credit Services industry median of 6.67. Intec Capital's overall GF Score™ is 39/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Intec Capital (BOM:526871), the current ROE % is 47.49% 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 Intec Capital (BOM:526871) Overvalued in 2026?
Based on GuruFocus' analysis, Intec Capital stock appears to be undervalued.
The current stock price of ₹15.49 is trading 84.1% below its estimated GF Value™ of ₹97.58.
GuruFocus considers Intec Capital to be Possible Value Trap.
Key valuation signals for BOM:526871:
ROE %: 47.49%
GF Value™: ₹97.58 vs. price of ₹15.49 (84.1% below fair value)
Industry Position: 612% above the Credit Services median (#85 of 531)
No single metric tells the full story. See the BOM:526871 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Intec Capital Ltd is a non-banking financial company. It is engaged in the business of financing to small and medium enterprise customers. The company's business activity falls within a single business segment, namely, loan and financing. It provides loans for the acquisition of machinery, loans against collateral, and loans for business operations, with a focus on growing sectors of the economy. Geographically, all the activities function throughout the region of India.
39GF Score
Get the complete analysis for BOM:526871
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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