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India Home LoanBOM:530979 -4.61%52 ROC (Joel Greenblatt) % is 0.26% as of Jun. 2026, which is 100% below its 10-year median of 89.00. GuruFocus rates BOM:530979 with a GF Score™ of 52/100 and a GF Value™ of ₹30.85 (Fairly Valued). The stock has 5 warning signs investors should review. Among 48 Banks companies, India Home Loan ranks worse than 72.92% 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. India Home Loan's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was 0.26%.
The historical rank and industry rank for India Home Loan's ROC (Joel Greenblatt) % or its related term are showing as below:
BOM:530979'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: -286.99 Med: 89 Max: 877.69
Current: 0.28
During the past 13 years, India Home Loan's highest ROC (Joel Greenblatt) % was 877.69%. The lowest was -286.99%. And the median was 89.00%.
BOM:530979's ROC (Joel Greenblatt) % is ranked worse than 72.92% of 48
companies
in the Banks industry
Industry Median: 51.595
vs BOM:530979: 0.28
India Home Loan's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 0.00% per year.
India Home Loan (BOM:530979) 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.
India Home Loan ROC (Joel Greenblatt) % Related Terms
India Home Loan ROC (Joel Greenblatt) % Historical Data
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The historical data trend for India Home Loan'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:530979 vs RKT, FNMA, PFSI: ROC (Joel Greenblatt) % Comparison
For the Mortgage Finance subindustry, India Home Loan'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.
India Home Loan ROC (Joel Greenblatt) % vs Banks Industry
For the Banks industry and Financial Services sector, India Home Loan's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where India Home Loan's ROC (Joel Greenblatt) % falls into.
India Home Loan 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:
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 (Jun. 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 0.26% mean?
India Home Loan (BOM:530979) has a ROC (Joel Greenblatt) % of 0.26% as of Jun. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on India Home Loan and its competitors. This is 100% below median its historical median of 89.00. According to the industry distribution chart, India Home Loan ranks #35 out of 48 companies in the Banks industry, placing it in the top 72.9%.
Is India Home Loan's ROC (Joel Greenblatt) % too high?
India Home Loan's current ROC (Joel Greenblatt) % of 0.26% is 100% below median its 10-year median of 89.00. The Banks industry median ROC (Joel Greenblatt) % is 51.60. India Home Loan's value of 0.26% is 99.5% below this industry median. Based on the distribution chart, India Home Loan ranks #35 out of 48 companies in the Banks industry, which is below the industry midpoint. Overall, India Home Loan has a GF Score™ of 52/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does India Home Loan's ROC (Joel Greenblatt) % compare to RKT and FNMA?
According to the Banks industry distribution chart, India Home Loan ranks #35 out of 48 companies for ROC (Joel Greenblatt) %. This places India Home Loan in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 51.60. India Home Loan's value of 0.26% is 99.5% below this benchmark. While the company's 10-year median is 89.00 vs. the industry median of 51.60, India Home Loan 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 51.60, based on 48 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. India Home Loan's current ROC (Joel Greenblatt) % of 0.26% is 99.5% 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 India Home Loan and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 51.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Home Loan's current ROC (Joel Greenblatt) % is 0.26%, which is 100% below median its own 10-year median of 89.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Home Loan stock overvalued right now?
Based on GuruFocus' analysis, India Home Loan (BOM:530979) is currently considered Fairly Valued. The stock's GF Value™ is ₹30.85, compared to a current price of ₹30.41 — trading 1.4% below its estimated fair value. The current ROC (Joel Greenblatt) % is 0.26%, which is 100% below median its 10-year median of 89.00 and 99.5% below the Banks industry median of 51.60. India Home Loan's overall GF Score™ is 52/100 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 India Home Loan (BOM:530979), the current ROC (Joel Greenblatt) % is 0.26% as of Jun. 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 India Home Loan (BOM:530979) Overvalued in 2026?
Based on GuruFocus' analysis, India Home Loan stock appears to be undervalued.
The current stock price of ₹30.41 is trading 1.4% below its estimated GF Value™ of ₹30.85.
GuruFocus considers India Home Loan to be Fairly Valued.
Key valuation signals for BOM:530979:
ROC (Joel Greenblatt) %: 0.26% (100% below median its 10-year median of 89.00)
GF Value™: ₹30.85 vs. price of ₹30.41 (1.4% below fair value)
Industry Position: 99.5% below the Banks median (#35 of 48)
No single metric tells the full story. See the BOM:530979 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
India Home Loan Ltd is a Non-deposit accepting Housing Finance Company. The company offers retail home loan products for affordable housing segments. Under this product, loans are offered to the customers for Purchase of home, home improvement, home extension and for construction of a dwelling unit on an owned plot of land. It specializes on loans to families in the self-employed category where formal income proofs aren't easily available and their repayment capacity is appraised based on their cash flows.
52GF 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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