Sainik Finance & IndustriesBOM:530265 57 ROE % is 10.40% as of Mar. 2026, which is 43% above its 10-year median of 7.26. GuruFocus rates BOM:530265 with a GF Score™ of 57/100 and a GF Value™ of ₹42.37 (Modestly Undervalued). The stock has 8 warning signs investors should review. Among 528 Credit Services companies, Sainik Finance & Industries ranks better than 58.52% on this metric.
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.
* 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, Sainik Finance & Industries'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.
Sainik Finance & Industries ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sainik Finance & Industries's ROE % distribution charts can be found below:
* The bar in red indicates where Sainik Finance & Industries'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.
Sainik Finance & Industries (BOM:530265) has a ROE % of 10.40% 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 Sainik Finance & Industries and its competitors. This is 43% above median its historical median of 7.26. According to the industry distribution chart, Sainik Finance & Industries ranks #219 out of 528 companies in the Credit Services industry, placing it in the top 41.5%.
Is Sainik Finance & Industries' ROE % too high?
Sainik Finance & Industries' current ROE % of 10.40% is 43% above median its 10-year median of 7.26. The Credit Services industry median ROE % is 6.70. Sainik Finance & Industries' value of 10.40% is 55.3% above this industry median. Based on the distribution chart, Sainik Finance & Industries ranks #219 out of 528 companies in the Credit Services industry, which is above the industry midpoint. Overall, Sainik Finance & Industries has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Sainik Finance & Industries' ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Sainik Finance & Industries ranks #219 out of 528 companies for ROE %. This puts Sainik Finance & Industries in the upper half of its industry. The industry median ROE % is 6.70. Sainik Finance & Industries' value of 10.40% is 55.3% above this benchmark. While the company's 10-year median is 7.26 vs. the industry median of 6.70, Sainik Finance & Industries 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.70, based on 528 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. Sainik Finance & Industries's current ROE % of 10.40% is 55.3% 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 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 Sainik Finance & Industries and its competitors. For the Credit Services industry, the median ROE % is 6.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sainik Finance & Industries's current ROE % is 10.40%, which is 43% above median its own 10-year median of 7.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sainik Finance & Industries stock overvalued right now?
Based on GuruFocus' analysis, Sainik Finance & Industries (BOM:530265) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹42.37, compared to a current price of ₹36.52 — trading 13.8% below its estimated fair value. The current ROE % is 10.40%, which is 43% above median its 10-year median of 7.26 and 55.3% above the Credit Services industry median of 6.70. Sainik Finance & Industries' overall GF Score™ is 57/100 with 8 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 Sainik Finance & Industries (BOM:530265), the current ROE % is 10.40% 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 Sainik Finance & Industries (BOM:530265) Overvalued in 2026?
Based on GuruFocus' analysis, Sainik Finance & Industries stock appears to be undervalued.
The current stock price of ₹36.52 is trading 13.8% below its estimated GF Value™ of ₹42.37.
GuruFocus considers Sainik Finance & Industries to be Modestly Undervalued.
Key valuation signals for BOM:530265:
ROE %: 10.40% (43% above median its 10-year median of 7.26)
GF Value™: ₹42.37 vs. price of ₹36.52 (13.8% below fair value)
Industry Position: 55.3% above the Credit Services median (#219 of 528)
No single metric tells the full story. See the BOM:530265 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sainik Finance & Industries Ltd is a non-banking finance company. The company is engaged in the business of providing credit. The group's operations are concentrated in India. Its primary source of revenue is the interest income.
57GF Score
Get the complete analysis for BOM:530265
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:530265 has been successfully added to your 
