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General CapitalNZSE:GEN 61 3-Year EBITDA Growth Rate is 10.20% as of Mar. 2026, which is 65% below its 10-year median of 29.10. GuruFocus rates NZSE:GEN with a GF Score™ of 61/100 and a GF Value™ of NZ$1.01 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 44 Banks companies, General Capital ranks worse than 52.27% on this metric.
During the past 12 months, General Capital's average EBITDA Per Share Growth Rate was 24.40% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 10.20% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 23.20% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of General Capital was 135.10% per year. The lowest was 10.20% per year. And the median was 29.10% per year.
General Capital (NZSE:GEN) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
General Capital 3-Year EBITDA Growth Rate Related Terms
NZSE:GEN vs RKT, FNMA, PFSI: 3-Year EBITDA Growth Rate Comparison
For the Mortgage Finance subindustry, General Capital's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, General Capital's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where General Capital's 3-Year EBITDA Growth Rate falls into.
General Capital 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 10.20% mean?
General Capital (NZSE:GEN) has a 3-Year EBITDA Growth Rate of 10.20% as of Mar. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for General Capital and its competitors. This is 65% below median its historical median of 29.10. Over the past decade, General Capital's 3-Year EBITDA Growth Rate has ranged from 10.20 to 135.10. According to the industry distribution chart, General Capital ranks #23 out of 44 companies in the Banks industry, placing it in the top 52.3%.
Is General Capital's 3-Year EBITDA Growth Rate too high?
General Capital's current 3-Year EBITDA Growth Rate of 10.20% is 65% below median its 10-year median of 29.10. Over the past 10 years, this metric has ranged from a low of 10.20 to a high of 135.10. The Banks industry median 3-Year EBITDA Growth Rate is 10.30. General Capital's value of 10.20% is 1% below this industry median. Based on the distribution chart, General Capital ranks #23 out of 44 companies in the Banks industry, which is below the industry midpoint. Overall, General Capital has a GF Score™ of 61/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does General Capital's 3-Year EBITDA Growth Rate compare to RKT and FNMA?
According to the Banks industry distribution chart, General Capital ranks #23 out of 44 companies for 3-Year EBITDA Growth Rate. This places General Capital in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 10.30. General Capital's value of 10.20% is 1% below this benchmark. Historically, General Capital's own 3-Year EBITDA Growth Rate has ranged from 10.20 to 135.10 over the past decade. While the company's 10-year median is 29.10 vs. the industry median of 10.30, General Capital has consistently been below 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 3-Year EBITDA Growth Rate for a Banks company?
The median 3-Year EBITDA Growth Rate among Banks companies is 10.30, based on 44 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. General Capital's current 3-Year EBITDA Growth Rate of 10.20% is 1% 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 EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for General Capital and its competitors. For the Banks industry, the median 3-Year EBITDA Growth Rate is 10.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. General Capital's current 3-Year EBITDA Growth Rate is 10.20%, which is 65% below median its own 10-year median of 29.10. 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$1.01, compared to a current price of NZ$0.29 — trading 71.8% below its estimated fair value. The current 3-Year EBITDA Growth Rate is 10.20%, which is 65% below median its 10-year median of 29.10 and 1% below the Banks industry median of 10.30. General Capital's overall GF Score™ is 61/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For General Capital (NZSE:GEN), the current 3-Year EBITDA Growth Rate is 10.20% 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$0.29 is trading 71.8% below its estimated GF Value™ of NZ$1.01.
GuruFocus considers General Capital to be Possible Value Trap.
Key valuation signals for NZSE:GEN:
3-Year EBITDA Growth Rate: 10.20% (65% below median its 10-year median of 29.10)
GF Value™: NZ$1.01 vs. price of NZ$0.29 (71.8% below fair value)
Industry Position: 1% below the Banks median (#23 of 44)
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 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.
61GF Score
Get the complete analysis for NZSE:GEN
3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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