General Capital (NZSE:GEN) Growth Rank: 4 (As of Sep. 21, 2026) — 100% Above Median

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NZSE:GEN General Capital Ltd NZSE:GEN
63 GF Score
Price NZ$0.27
GF Value NZ$1.02
Valuation Possible Value Trap
! 3 Warning Signs
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What is General Capital Growth Rank?

General Capital NZSE:GEN 63 Growth Rank is 4 as of Sep. 21, 2026, which is 100% above its 10-year median of 2.00. GuruFocus rates NZSE:GEN with a GF Score™ of 63/100 and a GF Value™ of NZ$1.02 (Possible Value Trap). The stock has 3 warning signs investors should review.

General Capital has the Growth Rank of 4.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

General Capital Growth Rank Related Terms

NZSE:GEN vs RKT, FNMA, PFSI: Growth Rank Comparison

For the Mortgage Finance subindustry, General Capital's Growth Rank, along with its competitors' market caps and Growth Rank 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 Growth Rank vs Banks Industry

For the Banks industry and Financial Services sector, General Capital's Growth Rank distribution charts can be found below:

* The bar in red indicates where General Capital's Growth Rank falls into.


NZSE:GEN
63GF Score
General Capital Ltd NZSE:GEN
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 4 mean?
General Capital (NZSE:GEN) has a Growth Rank of 4 as of Sep. 21, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on General Capital and its competitors. This is 100% above median its historical median of 2.00. Over the past decade, General Capital's Growth Rank has ranged from 1.00 to 4.00.
Is General Capital's Growth Rank too high?
General Capital's current Growth Rank of 4 is 100% above median its 10-year median of 2.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 4.00. Overall, General Capital has a GF Score™ of 63/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does General Capital's Growth Rank compare to RKT and FNMA?
General Capital's Growth Rank of 4 can be compared against companies in the Banks industry. Historically, General Capital's own Growth Rank has ranged from 1.00 to 4.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Growth Rank for a Banks company?
A good Growth Rank depends on the Banks industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on General Capital and its competitors. General Capital's current Growth Rank is 4, which is 100% above median its own 10-year median of 2.00. 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$1.02, compared to a current price of NZ$0.27 — trading 74% below its estimated fair value. The current Growth Rank is 4, which is 100% above median its 10-year median of 2.00. General Capital's overall GF Score™ is 63/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For General Capital (NZSE:GEN), the current Growth Rank is 4 as of Sep. 21, 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$0.27 is trading 74% below its estimated GF Value™ of NZ$1.02. GuruFocus considers General Capital to be Possible Value Trap.

Key valuation signals for NZSE:GEN:

  • Growth Rank: 4 (100% above median its 10-year median of 2.00)
  • GF Value™: NZ$1.02 vs. price of NZ$0.27 (74% below fair value)
  • GF Score™: 63/100 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.
63GF Score

Get the complete analysis for NZSE:GEN

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

NZ$0.27
Price
NZ$1.02
GF Value