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Qgo FinanceBOM:538646 -2.31%74 ROC (Joel Greenblatt) % is 134.93% as of Jun. 2026, which is 26% below its 10-year median of 182.59. GuruFocus rates BOM:538646 with a GF Score™ of 74/100 and a GF Value™ of ₹74.54 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 419 Credit Services companies, Qgo Finance ranks better than 59.9% 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. Qgo Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was 134.93%.
The historical rank and industry rank for Qgo Finance's ROC (Joel Greenblatt) % or its related term are showing as below:
BOM:538646'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 109.03 Med: 182.59 Max: 5336.36
Current: 122.6
During the past 13 years, Qgo Finance's highest ROC (Joel Greenblatt) % was 5336.36%. The lowest was 109.03%. And the median was 182.59%.
BOM:538646's ROC (Joel Greenblatt) % is ranked better than 59.9% of 419
companies
in the Credit Services industry
Industry Median: 35.73
vs BOM:538646: 122.60
Qgo Finance's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was -10.70% 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.
Qgo Finance ROC (Joel Greenblatt) % Historical Data
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The historical data trend for Qgo Finance'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:538646 vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, Qgo Finance'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.
Qgo Finance ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Qgo Finance's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Qgo Finance'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 134.93% mean?
Qgo Finance (BOM:538646) has a ROC (Joel Greenblatt) % of 134.93% 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 Qgo Finance and its competitors. This is 26% below median its historical median of 182.59. Over the past decade, Qgo Finance's ROC (Joel Greenblatt) % has ranged from 109.03 to 5,336.36. According to the industry distribution chart, Qgo Finance ranks #168 out of 419 companies in the Credit Services industry, placing it in the top 40.1%.
Is Qgo Finance's ROC (Joel Greenblatt) % too high?
Qgo Finance's current ROC (Joel Greenblatt) % of 134.93% is 26% below median its 10-year median of 182.59. Over the past 10 years, this metric has ranged from a low of 109.03 to a high of 5,336.36. The Credit Services industry median ROC (Joel Greenblatt) % is 35.73. Qgo Finance's value of 134.93% is 277.6% above this industry median. Based on the distribution chart, Qgo Finance ranks #168 out of 419 companies in the Credit Services industry, which is above the industry midpoint. Overall, Qgo Finance has a GF Score™ of 74/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Qgo Finance's ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Qgo Finance ranks #168 out of 419 companies for ROC (Joel Greenblatt) %. This puts Qgo Finance in the upper half of its industry. The industry median ROC (Joel Greenblatt) % is 35.73. Qgo Finance's value of 134.93% is 277.6% above this benchmark. Historically, Qgo Finance's own ROC (Joel Greenblatt) % has ranged from 109.03 to 5,336.36 over the past decade. While the company's 10-year median is 182.59 vs. the industry median of 35.73, Qgo Finance 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 35.73, based on 419 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. Qgo Finance's current ROC (Joel Greenblatt) % of 134.93% is 277.6% 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 Qgo Finance and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 35.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qgo Finance's current ROC (Joel Greenblatt) % is 134.93%, which is 26% below median its own 10-year median of 182.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Qgo Finance stock overvalued right now?
Based on GuruFocus' analysis, Qgo Finance (BOM:538646) is currently considered Possible Value Trap. The stock's GF Value™ is ₹74.54, compared to a current price of ₹41.03 — trading 45% below its estimated fair value. The current ROC (Joel Greenblatt) % is 134.93%, which is 26% below median its 10-year median of 182.59 and 277.6% above the Credit Services industry median of 35.73. Qgo Finance's overall GF Score™ is 74/100 with 4 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 Qgo Finance (BOM:538646), the current ROC (Joel Greenblatt) % is 134.93% 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 Qgo Finance (BOM:538646) Overvalued in 2026?
Based on GuruFocus' analysis, Qgo Finance stock appears to be undervalued.
The current stock price of ₹41.03 is trading 45% below its estimated GF Value™ of ₹74.54.
GuruFocus considers Qgo Finance to be Possible Value Trap.
Key valuation signals for BOM:538646:
ROC (Joel Greenblatt) %: 134.93% (26% below median its 10-year median of 182.59)
GF Value™: ₹74.54 vs. price of ₹41.03 (45% below fair value)
Industry Position: 277.6% above the Credit Services median (#168 of 419)
No single metric tells the full story. See the BOM:538646 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Qgo Finance Ltd is a Non-Banking Finance Company. It offers business loans, project finance loans, personal loans, and gold loans among others. The firm derives revenue in the form of interest from financial services provided. Geographically, the company operates in India. The company also provides services such as consultancy and advisory services, service/funding for Project loan, and peripheral tier-I satellite cities (presently in MMR).
74GF Score
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