Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
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. Cindrella Financial Services's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was -1,353.85%.
The historical rank and industry rank for Cindrella Financial Services's ROC (Joel Greenblatt) % or its related term are showing as below:
BOM:531283'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: -6000 Med: -23.1 Max: 1157.24
Current: -779.81
During the past 13 years, Cindrella Financial Services's highest ROC (Joel Greenblatt) % was 1157.24%. The lowest was -6000.00%. And the median was -23.10%.
BOM:531283's ROC (Joel Greenblatt) % is ranked worse than 93.84% of 422
companies
in the Credit Services industry
Industry Median: 25.38
vs BOM:531283: -779.81
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.
* 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:531283 vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, Cindrella Financial Services'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.
Cindrella Financial Services ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Cindrella Financial Services's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Cindrella Financial Services'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 (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 -1,353.85% mean?
Cindrella Financial Services (BOM:531283) has a ROC (Joel Greenblatt) % of -1,353.85% 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 Cindrella Financial Services and its competitors. According to the industry distribution chart, Cindrella Financial Services ranks #396 out of 422 companies in the Credit Services industry, placing it in the top 93.8%.
Is Cindrella Financial Services' ROC (Joel Greenblatt) % too high?
Cindrella Financial Services' current ROC (Joel Greenblatt) % is -1,353.85%. Based on the distribution chart, Cindrella Financial Services ranks #396 out of 422 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Cindrella Financial Services has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Cindrella Financial Services' ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Cindrella Financial Services ranks #396 out of 422 companies for ROC (Joel Greenblatt) %. This places Cindrella Financial Services in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 25.38. 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 25.38, based on 422 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. 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 Cindrella Financial Services and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 25.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cindrella Financial Services's current ROC (Joel Greenblatt) % is -1,353.85%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cindrella Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Cindrella Financial Services (BOM:531283) is currently considered Fairly Valued. The stock's GF Value™ is ₹9.46, compared to a current price of ₹9.98 — trading 5.5% above its estimated fair value. The current ROC (Joel Greenblatt) % is -1,353.85%. Cindrella Financial Services' overall GF Score™ is 66/100 with 1 warning sign 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 Cindrella Financial Services (BOM:531283), the current ROC (Joel Greenblatt) % is -1,353.85% 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 Cindrella Financial Services (BOM:531283) Overvalued in 2026?
Based on GuruFocus' analysis, Cindrella Financial Services stock appears to be overvalued.
The current stock price of ₹9.98 is trading 5.5% above its estimated GF Value™ of ₹9.46.
GuruFocus considers Cindrella Financial Services to be Fairly Valued.
Key valuation signals for BOM:531283:
ROC (Joel Greenblatt) %: -1,353.85%
GF Value™: ₹9.46 vs. price of ₹9.98 (5.5% above fair value)
No single metric tells the full story. See the BOM:531283 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Cindrella Financial Services Ltd is an India-based company. It is a non-banking financial company. It provides long-term loans and consultancy services. The company receives maximum revenue from dividend income.
66GF Score
Get the complete analysis for BOM:531283
ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:531283 has been successfully added to your 
