General Capital (NZSE:GEN) EBIT: NZ$19.17 Mil (TTM As of Mar. 2026)


NZSE:GEN General Capital Ltd NZSE:GEN
42 GF Score
Price NZ$0.26
GF Value NZ$0.97
Valuation Possible Value Trap
! 3 Warning Signs
View Full Analysis

What is General Capital EBIT?

General Capital NZSE:GEN -1.89% 42 EBIT is NZ$19.17 Mil as of Mar. 2026. GuruFocus rates NZSE:GEN with a GF Score™ of 42/100 and a GF Value™ of NZ$0.97 (Possible Value Trap). The stock has 3 warning signs investors should review.

General Capital's earnings before interest and taxes (EBIT) for the six months ended in Mar. 2026 was NZ$10.15 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was NZ$19.17 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. General Capital's annualized ROC % for the quarter that ended in Mar. 2026 was -9.55%. General Capital's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 4,690.07%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. General Capital's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was -160.58%.


General Capital  (NZSE:GEN) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

General Capital's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Sep. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=-32.006 * ( 1 - 32.1% )/( (211.373 + 243.937)/ 2 )
=-21.732074/227.655
=-9.55 %

where

Note: The Operating Income data used here is two times the semi-annual (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

General Capital's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Sep. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=20.308/( ( (0.436 + max(-4.986, 0)) + (0.43 + max(-3.441, 0)) )/ 2 )
=20.308/( ( 0.436 + 0.43 )/ 2 )
=20.308/0.433
=4,690.07 %

where Working Capital is:

Working Capital(Q: Sep. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0.311 + 0 + 0.593) - (5.89 + 0 + 0)
=-4.986

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0.035 + 0 + 0.48699999999997) - (3.963 + 0 + 0)
=-3.441

When net working capital is negative, 0 is used.

Note: The EBIT data used here is two times the semi-annual (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

General Capital's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=19.173/-11.940
=-160.58 %

* 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.


General Capital EBIT Related Terms


General Capital EBIT Historical Data

* Premium members only.

The historical data trend for General Capital's EBIT 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.

General Capital EBIT Chart

General Capital Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.87 8.57 11.68 15.59 19.17

General Capital Semi-Annual Data
Sep16 Mar17 Sep17 Mar18 Sep18 Mar19 Sep19 Mar20 Sep20 Mar21 Sep21 Mar22 Sep22 Mar23 Sep23 Mar24 Sep24 Mar25 Sep25 Mar26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.52 7.60 7.98 9.02 10.15

NZSE:GEN vs RKT, FNMA, PFSI: EBIT Comparison

For the Mortgage Finance subindustry, General Capital's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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.


General Capital EV-to-EBIT vs Banks Industry

For the Banks industry and Financial Services sector, General Capital's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where General Capital's EV-to-EBIT falls into.


NZSE:GEN
42GF Score
General Capital Ltd NZSE:GEN
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

General Capital EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the semi-annually data reported by the company within the most recent 12 months, which was NZ$19.17 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of NZ$19.17 Mil mean?
General Capital (NZSE:GEN) has a EBIT of NZ$19.17 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on General Capital.
Is General Capital's EBIT too high?
General Capital's current EBIT is NZ$19.17 Mil. Overall, General Capital has a GF Score™ of 42/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does General Capital's EBIT compare to RKT and FNMA?
General Capital's EBIT of NZ$19.17 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Banks company?
A good EBIT depends on the Banks industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on General Capital. General Capital's current EBIT is NZ$19.17 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is General Capital stock overvalued right now?
Based on GuruFocus' analysis, General Capital (NZSE:GEN) is currently considered Possible Value Trap. The stock's GF Value™ is NZ$0.97, compared to a current price of NZ$0.26 — trading 73.2% below its estimated fair value. The current EBIT is NZ$19.17 Mil. General Capital's overall GF Score™ is 42/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For General Capital (NZSE:GEN), the current EBIT is NZ$19.17 Mil 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 General Capital (NZSE:GEN) Overvalued in 2026?

Based on GuruFocus' analysis, General Capital stock appears to be undervalued. The current stock price of NZ$0.26 is trading 73.2% below its estimated GF Value™ of NZ$0.97. GuruFocus considers General Capital to be Possible Value Trap.

Key valuation signals for NZSE:GEN:

  • EBIT: NZ$19.17 Mil
  • GF Value™: NZ$0.97 vs. price of NZ$0.26 (73.2% below fair value)
  • GF Score™: 42/100 with 3 warning signs

No single metric tells the full story. See the NZSE:GEN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


General Capital Business Description

Address 115 Queen Street, Level 8, General Capital House, Auckland, NTL, NZL, 1010
General Capital Ltd through its subsidiaries engaged in providing financial services. The company accepts deposits and also lends funds to borrowers over residential property. It operates through three segments: Finance: Deposit taking and property mortgage lending, and insurance premium funding, Research and Advisory: Provides investment advisory services and produces and sells investment research and publications. Corporate and Other: Corporate function and investment activities. The Finance segment generates the majority of revenue for the company.
42GF Score

Get the complete analysis for NZSE:GEN

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NZ$0.26
Price
NZ$0.97
GF Value