Plenti Group (ASX:PLT) ROC (Joel Greenblatt) %: 24.23% (As of Mar. 2026)


ASX:PLT Plenti Group Ltd ASX:PLT
55 GF Score
Price A$0.74
GF Value A$1.09
Valuation Possible Value Trap
! 5 Warning Signs
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What is Plenti Group ROC (Joel Greenblatt) %?

Plenti Group ASX:PLT -5.13% 55 ROC (Joel Greenblatt) % is 24.23% as of Mar. 2026. GuruFocus rates ASX:PLT with a GF Score™ of 55/100 and a GF Value™ of A$1.09 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 413 Credit Services companies, Plenti Group ranks worse than 58.6% on this metric.

Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. Plenti Group's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 24.23%.

The historical rank and industry rank for Plenti Group's ROC (Joel Greenblatt) % or its related term are showing as below:

ASX:PLT' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: -661.5   Med: -64.63   Max: 6914.25
Current: 13.15

During the past 6 years, Plenti Group's highest ROC (Joel Greenblatt) % was 6914.25%. The lowest was -661.50%. And the median was -64.63%.

ASX:PLT's ROC (Joel Greenblatt) % is ranked worse than
58.6% of 413 companies
in the Credit Services industry
Industry Median: 38.19 vs ASX:PLT: 13.15

Plenti Group's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 0.00% per year.


Plenti Group  (ASX:PLT) ROC (Joel Greenblatt) % Explanation

The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.

Joel Greenblatt uses his definition of Return on Capital and Earnings Yield (Joel Greenblatt) % to rank companies.


Plenti Group ROC (Joel Greenblatt) % Related Terms


Plenti Group ROC (Joel Greenblatt) % Historical Data

* Premium members only.

The historical data trend for Plenti Group's ROC (Joel Greenblatt) % 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.

Plenti Group ROC (Joel Greenblatt) % Chart

Plenti Group Annual Data
Trend Mar20 Mar21 Mar22 Mar23 Mar24 Mar26
ROC (Joel Greenblatt) %
Get a 7-Day Free Trial -661.50 3.46 -64.63 -68.31 6,914.25

Plenti Group Semi-Annual Data
Mar20 Sep20 Mar21 Sep21 Mar22 Sep22 Mar23 Sep23 Mar24 Sep24 Sep25 Mar26
ROC (Joel Greenblatt) % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.48 -11.30 12.77 1.14 24.23

ASX:PLT vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison

For the Credit Services subindustry, Plenti Group's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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.


Plenti Group ROC (Joel Greenblatt) % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Plenti Group's ROC (Joel Greenblatt) % distribution charts can be found below:

* The bar in red indicates where Plenti Group's ROC (Joel Greenblatt) % falls into.


ASX:PLT
55GF Score
Plenti Group Ltd ASX:PLT
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Plenti Group ROC (Joel Greenblatt) % Calculation

Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:

ROC (Joel Greenblatt) %=EBIT/Average of (Net fixed Assets + Net Working Capital)

EBIT stands for Earnings Before Interest and Taxes.

Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.

GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.

Working Capital(Q: Sep. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(1.177 + 0 + 2723.108) - (4.241 + 1.32 + 36.968)
=2681.756

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(1.276 + 0 + 71.079) - (8.347 + 0 + 71.523)
=-7.5150000000003

When net working capital is negative, 0 is used.

So ROC (Joel Greenblatt) % of Plenti Group for the quarter that ended in Mar. 2026 can be restated 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 )
=325.328/( ( (1.84 + max(2681.756, 0)) + (1.328 + max(-7.5150000000003, 0)) )/ 2 )
=325.328/( ( 2683.596 + 1.328 )/ 2 )
=325.328/1342.462
=24.23 %

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

* 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.

What does a ROC (Joel Greenblatt) % of 24.23% mean?
Plenti Group (ASX:PLT) has a ROC (Joel Greenblatt) % of 24.23% as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Plenti Group and its competitors. According to the industry distribution chart, Plenti Group ranks #242 out of 413 companies in the Credit Services industry, placing it in the top 58.6%.
Is Plenti Group's ROC (Joel Greenblatt) % too high?
Plenti Group's current ROC (Joel Greenblatt) % is 24.23%. The Credit Services industry median ROC (Joel Greenblatt) % is 38.19. Plenti Group's value of 24.23% is 36.6% below this industry median. Based on the distribution chart, Plenti Group ranks #242 out of 413 companies in the Credit Services industry, which is below the industry midpoint. Overall, Plenti Group has a GF Score™ of 55/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Plenti Group's ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Plenti Group ranks #242 out of 413 companies for ROC (Joel Greenblatt) %. This places Plenti Group in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 38.19. Plenti Group's value of 24.23% is 36.6% 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 ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 38.19, based on 413 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Plenti Group's current ROC (Joel Greenblatt) % of 24.23% is 36.6% 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Plenti Group and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Plenti Group's current ROC (Joel Greenblatt) % is 24.23%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Plenti Group stock overvalued right now?
Based on GuruFocus' analysis, Plenti Group (ASX:PLT) is currently considered Possible Value Trap. The stock's GF Value™ is A$1.09, compared to a current price of A$0.74 — trading 32.1% below its estimated fair value. The current ROC (Joel Greenblatt) % is 24.23% and 36.6% below the Credit Services industry median of 38.19. Plenti Group's overall GF Score™ is 55/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Plenti Group (ASX:PLT), the current ROC (Joel Greenblatt) % is 24.23% 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 Plenti Group (ASX:PLT) Overvalued in 2026?

Based on GuruFocus' analysis, Plenti Group stock appears to be undervalued. The current stock price of A$0.74 is trading 32.1% below its estimated GF Value™ of A$1.09. GuruFocus considers Plenti Group to be Possible Value Trap.

Key valuation signals for ASX:PLT:

  • ROC (Joel Greenblatt) %: 24.23%
  • GF Value™: A$1.09 vs. price of A$0.74 (32.1% below fair value)
  • GF Score™: 55/100 with 5 warning signs
  • Industry Position: 36.6% below the Credit Services median (#242 of 413)

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


Plenti Group Business Description

Address 14 Martin Place, Level 5, Sydney, NSW, AUS, 2000
Plenti Group Ltd is a fintech lender to prime consumer and commercial borrowers. Its operations consist mainly of the provision of financial services in Australia. The company has single operating segment. The company offers offer award-winning automotive, renewable energy and personal loans, delivered by its proprietary technology, to help creditworthy borrowers bring their ideas to life. The company's loan types are Personal Loans, Debt Consolidation Loans, Renovation Loans, Car Loans, EV Loans, Holiday Loans, Medical Loans, Wedding Loans, Motorbike Loans, Moving Cost Loans, Boat Loans, Legal Fee Loans, Solar and Battery Loans, and Caravan Loans.
55GF Score

Get the complete analysis for ASX:PLT

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$0.74
Price
A$1.09
GF Value