Usha Financial ServicesNSE:USHAFIN 12 ROE % is 11.41% as of Mar. 2026, which is 12% above its 10-year median of 10.19. GuruFocus rates NSE:USHAFIN with a GF Score™ of 12/100. The stock has 3 warning signs investors should review. Among 529 Credit Services companies, Usha Financial Services ranks better than 54.82% 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, Usha Financial Services'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.
Usha Financial Services ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Usha Financial Services's ROE % distribution charts can be found below:
* The bar in red indicates where Usha Financial Services'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.
Usha Financial Services (NSE:USHAFIN) has a ROE % of 11.41% 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 Usha Financial Services and its competitors. This is 12% above median its historical median of 10.19. Over the past decade, Usha Financial Services' ROE % has ranged from 7.81 to 15.67. According to the industry distribution chart, Usha Financial Services ranks #239 out of 529 companies in the Credit Services industry, placing it in the top 45.2%.
Is Usha Financial Services' ROE % too high?
Usha Financial Services' current ROE % of 11.41% is 12% above median its 10-year median of 10.19. Over the past 10 years, this metric has ranged from a low of 7.81 to a high of 15.67. The Credit Services industry median ROE % is 6.61. Usha Financial Services' value of 11.41% is 72.6% above this industry median. Based on the distribution chart, Usha Financial Services ranks #239 out of 529 companies in the Credit Services industry, which is above the industry midpoint. Overall, Usha Financial Services has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Usha Financial Services' ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Usha Financial Services ranks #239 out of 529 companies for ROE %. This puts Usha Financial Services in the upper half of its industry. The industry median ROE % is 6.61. Usha Financial Services' value of 11.41% is 72.6% above this benchmark. Historically, Usha Financial Services' own ROE % has ranged from 7.81 to 15.67 over the past decade. While the company's 10-year median is 10.19 vs. the industry median of 6.61, Usha Financial Services 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 6.61, based on 529 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. Usha Financial Services's current ROE % of 11.41% is 72.6% 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 Usha Financial Services and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Usha Financial Services's current ROE % is 11.41%, which is 12% above median its own 10-year median of 10.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Usha Financial Services stock overvalued right now?
Usha Financial Services (NSE:USHAFIN) has a current ROE % of 11.41%. The current ROE % is 11.41%, which is 12% above median its 10-year median of 10.19 and 72.6% above the Credit Services industry median of 6.61. Usha Financial Services' overall GF Score™ is 12/100 with 3 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 Usha Financial Services (NSE:USHAFIN), the current ROE % is 11.41% 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.
Usha Financial Services Ltd is a non-banking finance company. It provides lending solutions to fellow NBFCs, corporates, MSMEs, and individuals, particularly to women entrepreneurs. The company's services also extend to Electric vehicle (EV) financing. It provides diversified financial products to individuals, bodies corporates, NBFCs, and MSMEs.
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