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India Home LoanBOM:530979 +1.63%59 ROE % is 0.04% as of Mar. 2026, which is 99% below its 10-year median of 3.44. GuruFocus rates BOM:530979 with a GF Score™ of 59/100 and a GF Value™ of ₹35.40 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,524 Banks companies, India Home Loan ranks worse than 95.08% on this metric.
The historical rank and industry rank for India Home Loan's ROE % or its related term are showing as below:
BOM:530979'
s ROE % Range Over the Past 10 Years
Min: -8.03 Med: 3.44 Max: 9.49
Current: 0.23
During the past 13 years, India Home Loan's highest ROE % was 9.49%. The lowest was -8.03%. And the median was 3.44%.
BOM:530979's ROE % is ranked worse than 95.08% of 1524
companies
in the Banks industry
Industry Median: 10.32
vs BOM:530979: 0.23
India Home Loan (BOM:530979) 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.
India Home Loan ROE % Related Terms
India Home Loan ROE % Historical Data
* Premium members only.
The historical data trend for India Home Loan'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 Mortgage Finance subindustry, India Home Loan'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.
India Home Loan ROE % vs Banks Industry
For the Banks industry and Financial Services sector, India Home Loan's ROE % distribution charts can be found below:
* The bar in red indicates where India Home Loan'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.
India Home Loan (BOM:530979) has a ROE % of 0.04% 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 India Home Loan and its competitors. This is 99% below median its historical median of 3.44. According to the industry distribution chart, India Home Loan ranks #1449 out of 1524 companies in the Banks industry, placing it in the top 95.1%.
Is India Home Loan's ROE % too high?
India Home Loan's current ROE % of 0.04% is 99% below median its 10-year median of 3.44. The Banks industry median ROE % is 10.32. India Home Loan's value of 0.04% is 99.6% below this industry median. Based on the distribution chart, India Home Loan ranks #1449 out of 1524 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, India Home Loan has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does India Home Loan's ROE % compare to RKT and FNMA?
According to the Banks industry distribution chart, India Home Loan ranks #1449 out of 1524 companies for ROE %. This places India Home Loan in the lower half of its industry. The industry median ROE % is 10.32. India Home Loan's value of 0.04% is 99.6% below this benchmark. While the company's 10-year median is 3.44 vs. the industry median of 10.32, India Home Loan 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.32, based on 1,524 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. India Home Loan's current ROE % of 0.04% is 99.6% 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 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 India Home Loan and its competitors. For the Banks industry, the median ROE % is 10.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Home Loan's current ROE % is 0.04%, which is 99% below median its own 10-year median of 3.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Home Loan stock overvalued right now?
Based on GuruFocus' analysis, India Home Loan (BOM:530979) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹35.40, compared to a current price of ₹30.50 — trading 13.8% below its estimated fair value. The current ROE % is 0.04%, which is 99% below median its 10-year median of 3.44 and 99.6% below the Banks industry median of 10.32. India Home Loan's overall GF Score™ is 59/100 with 5 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 India Home Loan (BOM:530979), the current ROE % is 0.04% 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 India Home Loan (BOM:530979) Overvalued in 2026?
Based on GuruFocus' analysis, India Home Loan stock appears to be undervalued.
The current stock price of ₹30.50 is trading 13.8% below its estimated GF Value™ of ₹35.40.
GuruFocus considers India Home Loan to be Modestly Undervalued.
Key valuation signals for BOM:530979:
ROE %: 0.04% (99% below median its 10-year median of 3.44)
GF Value™: ₹35.40 vs. price of ₹30.50 (13.8% below fair value)
Industry Position: 99.6% below the Banks median (#1449 of 1524)
No single metric tells the full story. See the BOM:530979 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
India Home Loan Ltd is a Non-deposit accepting Housing Finance Company. The company offers retail home loan products for affordable housing segments. Under this product, loans are offered to the customers for Purchase of home, home improvement, home extension and for construction of a dwelling unit on an owned plot of land. It specializes on loans to families in the self-employed category where formal income proofs aren't easily available and their repayment capacity is appraised based on their cash flows.
59GF Score
Get the complete analysis for BOM:530979
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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