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India Shelter FinanceBOM:544044 -0.12%38 ROE % is 17.52% as of Mar. 2026, which is 28% above its 10-year median of 13.70. GuruFocus rates BOM:544044 with a GF Score™ of 38/100. The stock has 5 warning signs investors should review. Among 1,523 Banks companies, India Shelter Finance ranks better than 87.26% on this metric.
The historical rank and industry rank for India Shelter Finance's ROE % or its related term are showing as below:
BOM:544044'
s ROE % Range Over the Past 10 Years
Min: 9.32 Med: 13.7 Max: 17.19
Current: 17.19
During the past 6 years, India Shelter Finance's highest ROE % was 17.19%. The lowest was 9.32%. And the median was 13.70%.
BOM:544044's ROE % is ranked better than 87.26% of 1523
companies
in the Banks industry
Industry Median: 10.27
vs BOM:544044: 17.19
India Shelter Finance (BOM:544044) 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.
* 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 Shelter 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.
India Shelter Finance ROE % vs Banks Industry
For the Banks industry and Financial Services sector, India Shelter Finance's ROE % distribution charts can be found below:
* The bar in red indicates where India Shelter 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.
India Shelter Finance (BOM:544044) has a ROE % of 17.52% 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 Shelter Finance and its competitors. This is 28% above median its historical median of 13.70. Over the past decade, India Shelter Finance's ROE % has ranged from 9.32 to 17.19. According to the industry distribution chart, India Shelter Finance ranks #194 out of 1523 companies in the Banks industry, placing it in the top 12.7%.
Is India Shelter Finance's ROE % too high?
India Shelter Finance's current ROE % of 17.52% is 28% above median its 10-year median of 13.70. Over the past 10 years, this metric has ranged from a low of 9.32 to a high of 17.19. The Banks industry median ROE % is 10.27. India Shelter Finance's value of 17.52% is 70.6% above this industry median. Based on the distribution chart, India Shelter Finance ranks #194 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, India Shelter Finance has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does India Shelter Finance's ROE % compare to RKT and FNMA?
According to the Banks industry distribution chart, India Shelter Finance ranks #194 out of 1523 companies for ROE %. This places India Shelter Finance in the top 13% of its industry — outperforming the majority of peers. The industry median ROE % is 10.27. India Shelter Finance's value of 17.52% is 70.6% above this benchmark. Historically, India Shelter Finance's own ROE % has ranged from 9.32 to 17.19 over the past decade. While the company's 10-year median is 13.70 vs. the industry median of 10.27, India Shelter Finance 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 Banks company?
The median ROE % among Banks companies is 10.27, based on 1,523 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 Shelter Finance's current ROE % of 17.52% is 70.6% 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 India Shelter Finance and its competitors. For the Banks industry, the median ROE % is 10.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Shelter Finance's current ROE % is 17.52%, which is 28% above median its own 10-year median of 13.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Shelter Finance stock overvalued right now?
India Shelter Finance (BOM:544044) has a current ROE % of 17.52%. The current ROE % is 17.52%, which is 28% above median its 10-year median of 13.70 and 70.6% above the Banks industry median of 10.27. India Shelter Finance's overall GF Score™ is 38/100 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 Shelter Finance (BOM:544044), the current ROE % is 17.52% 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.
India Shelter Finance Corporation Ltd caters to the housing needs of the self-employed, informal segment of customers, belonging to the middle income, predominantly from semi-urban and rural markets. It is engaged in providing secured retail home loans, home equity loans, and loans against property to borrowers for a period of up to twenty years. These loans are mainly to be used by borrowers for home purchase, home improvements, home extension, and the construction of dwelling units on plots owned by borrowers. Geographically, the company's operations are spread across different regions in India.
38GF Score
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