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Dhvija FinanceBOM:539552 +0.24%70 ROC (Joel Greenblatt) % is 3,563.96% as of Jun. 2026, which is 1301% above its 10-year median of 254.38. GuruFocus rates BOM:539552 with a GF Score™ of 70/100 and a GF Value™ of ₹45.52 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 419 Credit Services companies, Dhvija Finance ranks better than 90.69% 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. Dhvija Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was 3,563.96%.
The historical rank and industry rank for Dhvija Finance's ROC (Joel Greenblatt) % or its related term are showing as below:
BOM:539552'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 14.02 Med: 254.38 Max: 1772.09
Current: 1136.85
During the past 12 years, Dhvija Finance's highest ROC (Joel Greenblatt) % was 1772.09%. The lowest was 14.02%. And the median was 254.38%.
BOM:539552's ROC (Joel Greenblatt) % is ranked better than 90.69% of 419
companies
in the Credit Services industry
Industry Median: 35.73
vs BOM:539552: 1136.85
Dhvija Finance's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 0.30% 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.
Dhvija Finance ROC (Joel Greenblatt) % Related Terms
Dhvija Finance ROC (Joel Greenblatt) % Historical Data
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The historical data trend for Dhvija 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:539552 vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, Dhvija 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.
Dhvija Finance ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Dhvija Finance's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Dhvija 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 3,563.96% mean?
Dhvija Finance (BOM:539552) has a ROC (Joel Greenblatt) % of 3,563.96% 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 Dhvija Finance and its competitors. This is 1301% above median its historical median of 254.38. Over the past decade, Dhvija Finance's ROC (Joel Greenblatt) % has ranged from 14.02 to 1,772.09. According to the industry distribution chart, Dhvija Finance ranks #39 out of 419 companies in the Credit Services industry, placing it in the top 9.3%.
Is Dhvija Finance's ROC (Joel Greenblatt) % too high?
Dhvija Finance's current ROC (Joel Greenblatt) % of 3,563.96% is 1301% above median its 10-year median of 254.38. Over the past 10 years, this metric has ranged from a low of 14.02 to a high of 1,772.09. The Credit Services industry median ROC (Joel Greenblatt) % is 35.73. Dhvija Finance's value of 3,563.96% is 9874.7% above this industry median. Based on the distribution chart, Dhvija Finance ranks #39 out of 419 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Dhvija Finance has a GF Score™ of 70/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Dhvija Finance's ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Dhvija Finance ranks #39 out of 419 companies for ROC (Joel Greenblatt) %. This places Dhvija Finance in the top 9% of its industry — outperforming the majority of peers. The industry median ROC (Joel Greenblatt) % is 35.73. Dhvija Finance's value of 3,563.96% is 9874.7% above this benchmark. Historically, Dhvija Finance's own ROC (Joel Greenblatt) % has ranged from 14.02 to 1,772.09 over the past decade. While the company's 10-year median is 254.38 vs. the industry median of 35.73, Dhvija 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. Dhvija Finance's current ROC (Joel Greenblatt) % of 3,563.96% is 9874.7% 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 Dhvija 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. Dhvija Finance's current ROC (Joel Greenblatt) % is 3,563.96%, which is 1301% above median its own 10-year median of 254.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dhvija Finance stock overvalued right now?
Based on GuruFocus' analysis, Dhvija Finance (BOM:539552) is currently considered Possible Value Trap. The stock's GF Value™ is ₹45.52, compared to a current price of ₹12.38 — trading 72.8% below its estimated fair value. The current ROC (Joel Greenblatt) % is 3,563.96%, which is 1301% above median its 10-year median of 254.38 and 9874.7% above the Credit Services industry median of 35.73. Dhvija Finance's overall GF Score™ is 70/100 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 Dhvija Finance (BOM:539552), the current ROC (Joel Greenblatt) % is 3,563.96% 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 Dhvija Finance (BOM:539552) Overvalued in 2026?
Based on GuruFocus' analysis, Dhvija Finance stock appears to be undervalued.
The current stock price of ₹12.38 is trading 72.8% below its estimated GF Value™ of ₹45.52.
GuruFocus considers Dhvija Finance to be Possible Value Trap.
Key valuation signals for BOM:539552:
ROC (Joel Greenblatt) %: 3,563.96% (1301% above median its 10-year median of 254.38)
GF Value™: ₹45.52 vs. price of ₹12.38 (72.8% below fair value)
Industry Position: 9874.7% above the Credit Services median (#39 of 419)
No single metric tells the full story. See the BOM:539552 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
F Mec International Financial Services Ltd operates as a non-banking financial company. It provides financing solutions to corporates, real estate lending, and loans to Micro, Small, and Medium Enterprise (MSME) borrowers. It operates in a single segment being Financing and Consultancy. The majority of the revenue is derived from interest income.
70GF Score
Get the complete analysis for BOM:539552
ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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