Geetanjali Credit and CapitalBOM:539486 34 ROE % is 7.48% as of Mar. 2026, which is 14860% above its 10-year median of 0.05. GuruFocus rates BOM:539486 with a GF Score™ of 34/100. The stock has 4 warning signs investors should review. Among 527 Credit Services companies, Geetanjali Credit and Capital ranks worse than 75.52% on this metric.
The historical rank and industry rank for Geetanjali Credit and Capital's ROE % or its related term are showing as below:
BOM:539486'
s ROE % Range Over the Past 10 Years
Min: -1.11 Med: 0.05 Max: 1.79
Current: 0.49
During the past 12 years, Geetanjali Credit and Capital's highest ROE % was 1.79%. The lowest was -1.11%. And the median was 0.05%.
BOM:539486's ROE % is ranked worse than 75.52% of 527
companies
in the Credit Services industry
Industry Median: 6.67
vs BOM:539486: 0.49
Geetanjali Credit and Capital (BOM:539486) 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.
Geetanjali Credit and Capital ROE % Related Terms
Geetanjali Credit and Capital ROE % Historical 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.
For the Credit Services subindustry, Geetanjali Credit and 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.
Geetanjali Credit and Capital ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Geetanjali Credit and Capital's ROE % distribution charts can be found below:
* The bar in red indicates where Geetanjali Credit and 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.
Geetanjali Credit and Capital (BOM:539486) has a ROE % of 7.48% 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 Geetanjali Credit and Capital and its competitors. This is 14860% above median its historical median of 0.05. According to the industry distribution chart, Geetanjali Credit and Capital ranks #398 out of 527 companies in the Credit Services industry, placing it in the top 75.5%.
Is Geetanjali Credit and Capital's ROE % too high?
Geetanjali Credit and Capital's current ROE % of 7.48% is 14860% above median its 10-year median of 0.05. The Credit Services industry median ROE % is 6.67. Geetanjali Credit and Capital's value of 7.48% is 12.1% above this industry median. Based on the distribution chart, Geetanjali Credit and Capital ranks #398 out of 527 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Geetanjali Credit and Capital has a GF Score™ of 34/100, reflecting its overall financial health beyond just this single metric.
How does Geetanjali Credit and Capital's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Geetanjali Credit and Capital ranks #398 out of 527 companies for ROE %. This places Geetanjali Credit and Capital in the lower half of its industry. The industry median ROE % is 6.67. Geetanjali Credit and Capital's value of 7.48% is 12.1% above this benchmark. While the company's 10-year median is 0.05 vs. the industry median of 6.67, Geetanjali Credit and Capital 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 6.67, 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. Geetanjali Credit and Capital's current ROE % of 7.48% is 12.1% 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 Geetanjali Credit and 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. Geetanjali Credit and Capital's current ROE % is 7.48%, which is 14860% above median its own 10-year median of 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Geetanjali Credit and Capital stock overvalued right now?
Geetanjali Credit and Capital (BOM:539486) has a current ROE % of 7.48%. The current ROE % is 7.48%, which is 14860% above median its 10-year median of 0.05 and 12.1% above the Credit Services industry median of 6.67. Geetanjali Credit and Capital's overall GF Score™ is 34/100 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 Geetanjali Credit and Capital (BOM:539486), the current ROE % is 7.48% 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.
Geetanjali Credit and Capital Business Description
Geetanjali Credit and Capital Ltd is a non-banking financial institution that provides finance and other services in India. It engages in investing in quoted and unquoted shares; advancing loans against listed shares, securities, and properties; margin funding; the provision of corporate and personal loans; trade financing and bill discounting; offering solutions for meeting liquidity requirements with technical insights into capital markets; and portfolio management/consultancy activities.
34GF Score
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