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Sahara HousingfinaBOM:511533 -1.54%65 ROC (Joel Greenblatt) % is 1.45% as of Mar. 2026, which is 99% below its 10-year median of 133.35. GuruFocus rates BOM:511533 with a GF Score™ of 65/100 and a GF Value™ of ₹35.55 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 47 Banks companies, Sahara Housingfina ranks worse than 61.7% 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. Sahara Housingfina's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 1.45%.
The historical rank and industry rank for Sahara Housingfina's ROC (Joel Greenblatt) % or its related term are showing as below:
BOM:511533'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 22.14 Med: 133.35 Max: 330.13
Current: 27.04
During the past 13 years, Sahara Housingfina's highest ROC (Joel Greenblatt) % was 330.13%. The lowest was 22.14%. And the median was 133.35%.
BOM:511533's ROC (Joel Greenblatt) % is ranked worse than 61.7% of 47
companies
in the Banks industry
Industry Median: 50.71
vs BOM:511533: 27.04
Sahara Housingfina's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was -26.50% per year.
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.
Sahara Housingfina ROC (Joel Greenblatt) % Related Terms
Sahara Housingfina ROC (Joel Greenblatt) % Historical Data
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The historical data trend for Sahara Housingfina'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.
BOM:511533 vs RKT, FNMA, PFSI: ROC (Joel Greenblatt) % Comparison
For the Mortgage Finance subindustry, Sahara Housingfina'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.
Sahara Housingfina ROC (Joel Greenblatt) % vs Banks Industry
For the Banks industry and Financial Services sector, Sahara Housingfina's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Sahara Housingfina's ROC (Joel Greenblatt) % falls into.
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:
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.
Note:
The EBIT data used here is four times the quarterly (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 1.45% mean?
Sahara Housingfina (BOM:511533) has a ROC (Joel Greenblatt) % of 1.45% 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 Sahara Housingfina and its competitors. This is 99% below median its historical median of 133.35. Over the past decade, Sahara Housingfina's ROC (Joel Greenblatt) % has ranged from 22.14 to 330.13. According to the industry distribution chart, Sahara Housingfina ranks #29 out of 47 companies in the Banks industry, placing it in the top 61.7%.
Is Sahara Housingfina's ROC (Joel Greenblatt) % too high?
Sahara Housingfina's current ROC (Joel Greenblatt) % of 1.45% is 99% below median its 10-year median of 133.35. Over the past 10 years, this metric has ranged from a low of 22.14 to a high of 330.13. The Banks industry median ROC (Joel Greenblatt) % is 50.71. Sahara Housingfina's value of 1.45% is 97.1% below this industry median. Based on the distribution chart, Sahara Housingfina ranks #29 out of 47 companies in the Banks industry, which is below the industry midpoint. Overall, Sahara Housingfina has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sahara Housingfina's ROC (Joel Greenblatt) % compare to RKT and FNMA?
According to the Banks industry distribution chart, Sahara Housingfina ranks #29 out of 47 companies for ROC (Joel Greenblatt) %. This places Sahara Housingfina in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 50.71. Sahara Housingfina's value of 1.45% is 97.1% below this benchmark. Historically, Sahara Housingfina's own ROC (Joel Greenblatt) % has ranged from 22.14 to 330.13 over the past decade. While the company's 10-year median is 133.35 vs. the industry median of 50.71, Sahara Housingfina 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 ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 50.71, based on 47 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. Sahara Housingfina's current ROC (Joel Greenblatt) % of 1.45% is 97.1% 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 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 Sahara Housingfina and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 50.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sahara Housingfina's current ROC (Joel Greenblatt) % is 1.45%, which is 99% below median its own 10-year median of 133.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sahara Housingfina stock overvalued right now?
Based on GuruFocus' analysis, Sahara Housingfina (BOM:511533) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹35.55, compared to a current price of ₹39.75 — trading 11.8% above its estimated fair value. The current ROC (Joel Greenblatt) % is 1.45%, which is 99% below median its 10-year median of 133.35 and 97.1% below the Banks industry median of 50.71. Sahara Housingfina's overall GF Score™ is 65/100 with 7 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 Sahara Housingfina (BOM:511533), the current ROC (Joel Greenblatt) % is 1.45% 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 Sahara Housingfina (BOM:511533) Overvalued in 2026?
Based on GuruFocus' analysis, Sahara Housingfina stock appears to be overvalued.
The current stock price of ₹39.75 is trading 11.8% above its estimated GF Value™ of ₹35.55.
GuruFocus considers Sahara Housingfina to be Modestly Overvalued.
Key valuation signals for BOM:511533:
ROC (Joel Greenblatt) %: 1.45% (99% below median its 10-year median of 133.35)
GF Value™: ₹35.55 vs. price of ₹39.75 (11.8% above fair value)
Industry Position: 97.1% below the Banks median (#29 of 47)
No single metric tells the full story. See the BOM:511533 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sahara Housingfina Corp Ltd is an Indian company engaged in carrying out activities of housing finance companies (Housing Loans and Non-Housing Loans). Its product portfolio includes Individual Housing Loans, Home Improvement Loans, Home Extension loans, Land Loans, Home Loan Plus, Mortgage Loans, Non-Residential Property Loans, Home Loan Enhancement, and Loan Take Over / Balance Transfer. The company is exclusively engaged in the Housing Finance business, and revenues are mainly derived from this activity. The company generates the majority of its revenue from Interest Income.
65GF Score
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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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