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Oswal LeasingBOM:509099 37 3-Year RORE % is 7.36 as of Mar. 2026. GuruFocus rates BOM:509099 with a GF Score™ of 37/100 and a GF Value™ of ₹36.99 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 517 Credit Services companies, Oswal Leasing ranks worse than 51.06% on this metric.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Oswal Leasing's 3-Year RORE % for the quarter that ended in Mar. 2026 was 7.36%.
The industry rank for Oswal Leasing's 3-Year RORE % or its related term are showing as below:
BOM:509099's 3-Year RORE % is ranked worse than 51.06% of 517
companies
in the Credit Services industry
Industry Median: 7.62
vs BOM:509099: 7.36
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Oswal Leasing 3-Year RORE % Related Terms
Oswal Leasing 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Oswal Leasing's 3-Year RORE % 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.
BOM:509099 vs V, MA, AXP: 3-Year RORE % Comparison
For the Credit Services subindustry, Oswal Leasing's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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.
Oswal Leasing 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Oswal Leasing's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Oswal Leasing's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Oswal Leasing (BOM:509099) has a 3-Year RORE % of 7.36 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Oswal Leasing and its competitors. According to the industry distribution chart, Oswal Leasing ranks #264 out of 517 companies in the Credit Services industry, placing it in the top 51.1%.
Is Oswal Leasing's 3-Year RORE % too high?
Oswal Leasing's current 3-Year RORE % is 7.36. The Credit Services industry median 3-Year RORE % is 7.62. Oswal Leasing's value of 7.36 is 3.4% below this industry median. Based on the distribution chart, Oswal Leasing ranks #264 out of 517 companies in the Credit Services industry, which is below the industry midpoint. Overall, Oswal Leasing has a GF Score™ of 37/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oswal Leasing's 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Oswal Leasing ranks #264 out of 517 companies for 3-Year RORE %. This places Oswal Leasing in the lower half of its industry. The industry median 3-Year RORE % is 7.62. Oswal Leasing's value of 7.36 is 3.4% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Credit Services company?
The median 3-Year RORE % among Credit Services companies is 7.62, based on 517 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oswal Leasing's current 3-Year RORE % of 7.36 is 3.4% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Oswal Leasing and its competitors. For the Credit Services industry, the median 3-Year RORE % is 7.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oswal Leasing's current 3-Year RORE % is 7.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oswal Leasing stock overvalued right now?
Based on GuruFocus' analysis, Oswal Leasing (BOM:509099) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹36.99, compared to a current price of ₹78.64 — trading 112.6% above its estimated fair value. The current 3-Year RORE % is 7.36 and 3.4% below the Credit Services industry median of 7.62. Oswal Leasing's overall GF Score™ is 37/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Oswal Leasing (BOM:509099), the current 3-Year RORE % is 7.36 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 Oswal Leasing (BOM:509099) Overvalued in 2026?
Based on GuruFocus' analysis, Oswal Leasing stock appears to be overvalued.
The current stock price of ₹78.64 is trading 112.6% above its estimated GF Value™ of ₹36.99.
GuruFocus considers Oswal Leasing to be Significantly Overvalued.
Key valuation signals for BOM:509099:
3-Year RORE %: 7.36
GF Value™: ₹36.99 vs. price of ₹78.64 (112.6% above fair value)
Industry Position: 3.4% below the Credit Services median (#264 of 517)
No single metric tells the full story. See the BOM:509099 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oswal Leasing Ltd is a non-banking financial company. Its activities include leasing and hire purchase finance. Its business activity involves acquiring to provide on lease or to provide on hire purchase basis all types of industrial and office plant, equipment, machinery, vehicles, buildings, and real estate, required for manufacturing, processing, transportation and trading business and other commercial and service business. Its business activity also involves financing industrial enterprises and promoting companies engaged in industrial and trading business.
37GF Score
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