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Comfort FincapBOM:535267 -5.06%73 ROC (Joel Greenblatt) % is 2,143.02% as of Jun. 2026, which is 24877% above its 10-year median of 8.58. GuruFocus rates BOM:535267 with a GF Score™ of 73/100 and a GF Value™ of ₹7.37 (Fairly Valued). The stock has 3 warning signs investors should review. Among 417 Credit Services companies, Comfort Fincap ranks worse than 50.36% 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. Comfort Fincap's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was 2,143.02%.
The historical rank and industry rank for Comfort Fincap's ROC (Joel Greenblatt) % or its related term are showing as below:
BOM:535267'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 3.84 Med: 8.58 Max: 28.6
Current: 28.6
During the past 13 years, Comfort Fincap's highest ROC (Joel Greenblatt) % was 28.60%. The lowest was 3.84%. And the median was 8.58%.
BOM:535267's ROC (Joel Greenblatt) % is ranked worse than 50.36% of 417
companies
in the Credit Services industry
Industry Median: 28.9
vs BOM:535267: 28.60
Comfort Fincap's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 10.60% 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.
Comfort Fincap ROC (Joel Greenblatt) % Related Terms
Comfort Fincap ROC (Joel Greenblatt) % Historical Data
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The historical data trend for Comfort Fincap'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:535267 vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, Comfort Fincap'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.
Comfort Fincap ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Comfort Fincap's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Comfort Fincap'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 2,143.02% mean?
Comfort Fincap (BOM:535267) has a ROC (Joel Greenblatt) % of 2,143.02% 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 Comfort Fincap and its competitors. This is 24877% above median its historical median of 8.58. Over the past decade, Comfort Fincap's ROC (Joel Greenblatt) % has ranged from 3.84 to 28.60. According to the industry distribution chart, Comfort Fincap ranks #210 out of 417 companies in the Credit Services industry, placing it in the top 50.4%.
Is Comfort Fincap's ROC (Joel Greenblatt) % too high?
Comfort Fincap's current ROC (Joel Greenblatt) % of 2,143.02% is 24877% above median its 10-year median of 8.58. Over the past 10 years, this metric has ranged from a low of 3.84 to a high of 28.60. The Credit Services industry median ROC (Joel Greenblatt) % is 28.90. Comfort Fincap's value of 2,143.02% is 7315.3% above this industry median. Based on the distribution chart, Comfort Fincap ranks #210 out of 417 companies in the Credit Services industry, which is below the industry midpoint. Overall, Comfort Fincap has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Comfort Fincap's ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Comfort Fincap ranks #210 out of 417 companies for ROC (Joel Greenblatt) %. This places Comfort Fincap in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 28.90. Comfort Fincap's value of 2,143.02% is 7315.3% above this benchmark. Historically, Comfort Fincap's own ROC (Joel Greenblatt) % has ranged from 3.84 to 28.60 over the past decade. While the company's 10-year median is 8.58 vs. the industry median of 28.90, Comfort Fincap has consistently been above 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 Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 28.90, based on 417 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. Comfort Fincap's current ROC (Joel Greenblatt) % of 2,143.02% is 7315.3% above 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 Comfort Fincap and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 28.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Comfort Fincap's current ROC (Joel Greenblatt) % is 2,143.02%, which is 24877% above median its own 10-year median of 8.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Comfort Fincap stock overvalued right now?
Based on GuruFocus' analysis, Comfort Fincap (BOM:535267) is currently considered Fairly Valued. The stock's GF Value™ is ₹7.37, compared to a current price of ₹7.32 — trading 0.7% below its estimated fair value. The current ROC (Joel Greenblatt) % is 2,143.02%, which is 24877% above median its 10-year median of 8.58 and 7315.3% above the Credit Services industry median of 28.90. Comfort Fincap's overall GF Score™ is 73/100 with 3 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 Comfort Fincap (BOM:535267), the current ROC (Joel Greenblatt) % is 2,143.02% 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 Comfort Fincap (BOM:535267) Overvalued in 2026?
Based on GuruFocus' analysis, Comfort Fincap stock appears to be undervalued.
The current stock price of ₹7.32 is trading 0.7% below its estimated GF Value™ of ₹7.37.
GuruFocus considers Comfort Fincap to be Fairly Valued.
Key valuation signals for BOM:535267:
ROC (Joel Greenblatt) %: 2,143.02% (24877% above median its 10-year median of 8.58)
GF Value™: ₹7.37 vs. price of ₹7.32 (0.7% below fair value)
Industry Position: 7315.3% above the Credit Services median (#210 of 417)
No single metric tells the full story. See the BOM:535267 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Comfort Fincap Ltd is an India-based non-banking financial company. It provides various financial solutions to commercial, industrial, and financial clients. Its offerings include advancing loans against listed shares, securities, and properties, corporate loans, personal loans, trade financing, promoter funding, IPO (initial public offering) financing, bills discounting, margin funding, trading in shares and securities, and arbitrage business in stock and commodity markets. It generates revenue in the form of professional fees and interest income received from loans and advances and term deposits.
73GF 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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