Anjani FinanceBOM:531878 -3.40%63 ROE % is 1.02% as of Mar. 2026, which is 63% below its 10-year median of 2.72. GuruFocus rates BOM:531878 with a GF Score™ of 63/100 and a GF Value™ of ₹5.90 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 527 Credit Services companies, Anjani Finance ranks worse than 72.87% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Anjani Finance's annualized net income for the quarter that ended in Mar. 2026 was ₹1.57 Mil. Anjani Finance's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was ₹153.01 Mil. Therefore, Anjani Finance's annualized ROE % for the quarter that ended in Mar. 2026 was 1.02%.
The historical rank and industry rank for Anjani Finance's ROE % or its related term are showing as below:
BOM:531878'
s ROE % Range Over the Past 10 Years
Min: -5.45 Med: 2.72 Max: 33.17
Current: 1.05
During the past 13 years, Anjani Finance's highest ROE % was 33.17%. The lowest was -5.45%. And the median was 2.72%.
BOM:531878's ROE % is ranked worse than 72.87% of 527
companies
in the Credit Services industry
Industry Median: 6.67
vs BOM:531878: 1.05
Anjani Finance (BOM:531878) 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.
Anjani Finance ROE % Related Terms
Anjani Finance ROE % Historical Data
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The historical data trend for Anjani Finance'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, Anjani Finance'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.
Anjani Finance ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Anjani Finance's ROE % distribution charts can be found below:
* The bar in red indicates where Anjani Finance'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.
Anjani Finance (BOM:531878) has a ROE % of 1.02% 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 Anjani Finance and its competitors. This is 63% below median its historical median of 2.72. According to the industry distribution chart, Anjani Finance ranks #384 out of 527 companies in the Credit Services industry, placing it in the top 72.9%.
Is Anjani Finance's ROE % too high?
Anjani Finance's current ROE % of 1.02% is 63% below median its 10-year median of 2.72. The Credit Services industry median ROE % is 6.67. Anjani Finance's value of 1.02% is 84.7% below this industry median. Based on the distribution chart, Anjani Finance ranks #384 out of 527 companies in the Credit Services industry, which is below the industry midpoint. Overall, Anjani Finance has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Anjani Finance's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Anjani Finance ranks #384 out of 527 companies for ROE %. This places Anjani Finance in the lower half of its industry. The industry median ROE % is 6.67. Anjani Finance's value of 1.02% is 84.7% below this benchmark. While the company's 10-year median is 2.72 vs. the industry median of 6.67, Anjani Finance 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 Credit Services company?
The median ROE % among Credit Services companies is 6.67, based on 527 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. Anjani Finance's current ROE % of 1.02% is 84.7% 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 Anjani Finance 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. Anjani Finance's current ROE % is 1.02%, which is 63% below median its own 10-year median of 2.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Anjani Finance stock overvalued right now?
Based on GuruFocus' analysis, Anjani Finance (BOM:531878) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹5.90, compared to a current price of ₹8.80 — trading 49.2% above its estimated fair value. The current ROE % is 1.02%, which is 63% below median its 10-year median of 2.72 and 84.7% below the Credit Services industry median of 6.67. Anjani Finance's overall GF Score™ is 63/100 with 2 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 Anjani Finance (BOM:531878), the current ROE % is 1.02% 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 Anjani Finance (BOM:531878) Overvalued in 2026?
Based on GuruFocus' analysis, Anjani Finance stock appears to be overvalued.
The current stock price of ₹8.80 is trading 49.2% above its estimated GF Value™ of ₹5.90.
GuruFocus considers Anjani Finance to be Significantly Overvalued.
Key valuation signals for BOM:531878:
ROE %: 1.02% (63% below median its 10-year median of 2.72)
GF Value™: ₹5.90 vs. price of ₹8.80 (49.2% above fair value)
Industry Position: 84.7% below the Credit Services median (#384 of 527)
No single metric tells the full story. See the BOM:531878 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Anjani Finance Ltd is a non-banking financial company. The company generates revenue from interest income and wind power sales. The Company was incorporated with the objective to provide money with or without security to such persons or bodies corporate and to acquire, hold, sell, buy or otherwise deal in any shares, stocks, debentures, bonds, mortgages, obligations, and other securities. It generates maximum revenue from interest income.
63GF Score
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