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Aadhar Housing FinanceBOM:544176 -1.23%38 ROC (Joel Greenblatt) % is 991.57% as of Jun. 2026, which is 60% below its 10-year median of 2,499.09. GuruFocus rates BOM:544176 with a GF Score™ of 38/100. The stock has 6 warning signs investors should review. Among 47 Banks companies, Aadhar Housing Finance ranks better than 85.11% 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. Aadhar Housing Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was 991.57%.
The historical rank and industry rank for Aadhar Housing Finance's ROC (Joel Greenblatt) % or its related term are showing as below:
BOM:544176'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 1197.2 Med: 2499.09 Max: 2882.47
Current: 1197.2
During the past 6 years, Aadhar Housing Finance's highest ROC (Joel Greenblatt) % was 2882.47%. The lowest was 1197.20%. And the median was 2499.09%.
BOM:544176's ROC (Joel Greenblatt) % is ranked better than 85.11% of 47
companies
in the Banks industry
Industry Median: 54.45
vs BOM:544176: 1197.20
Aadhar Housing Finance's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 2.30% 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.
Aadhar Housing Finance ROC (Joel Greenblatt) % Related Terms
Aadhar Housing Finance ROC (Joel Greenblatt) % Historical Data
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The historical data trend for Aadhar Housing 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:544176 vs RKT, FNMA, PFSI: ROC (Joel Greenblatt) % Comparison
For the Mortgage Finance subindustry, Aadhar Housing 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.
Aadhar Housing Finance ROC (Joel Greenblatt) % vs Banks Industry
For the Banks industry and Financial Services sector, Aadhar Housing Finance's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Aadhar Housing 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 991.57% mean?
Aadhar Housing Finance (BOM:544176) has a ROC (Joel Greenblatt) % of 991.57% 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 Aadhar Housing Finance and its competitors. This is 60% below median its historical median of 2,499.09. Over the past decade, Aadhar Housing Finance's ROC (Joel Greenblatt) % has ranged from 1,197.20 to 2,882.47. According to the industry distribution chart, Aadhar Housing Finance ranks #7 out of 47 companies in the Banks industry, placing it in the top 14.9%.
Is Aadhar Housing Finance's ROC (Joel Greenblatt) % too high?
Aadhar Housing Finance's current ROC (Joel Greenblatt) % of 991.57% is 60% below median its 10-year median of 2,499.09. Over the past 10 years, this metric has ranged from a low of 1,197.20 to a high of 2,882.47. The Banks industry median ROC (Joel Greenblatt) % is 54.45. Aadhar Housing Finance's value of 991.57% is 1721.1% above this industry median. Based on the distribution chart, Aadhar Housing Finance ranks #7 out of 47 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Aadhar Housing Finance has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does Aadhar Housing Finance's ROC (Joel Greenblatt) % compare to RKT and FNMA?
According to the Banks industry distribution chart, Aadhar Housing Finance ranks #7 out of 47 companies for ROC (Joel Greenblatt) %. This places Aadhar Housing Finance in the top 15% of its industry — outperforming the majority of peers. The industry median ROC (Joel Greenblatt) % is 54.45. Aadhar Housing Finance's value of 991.57% is 1721.1% above this benchmark. Historically, Aadhar Housing Finance's own ROC (Joel Greenblatt) % has ranged from 1,197.20 to 2,882.47 over the past decade. While the company's 10-year median is 2,499.09 vs. the industry median of 54.45, Aadhar Housing 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 Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 54.45, based on 47 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. Aadhar Housing Finance's current ROC (Joel Greenblatt) % of 991.57% is 1721.1% 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 Aadhar Housing Finance and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 54.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aadhar Housing Finance's current ROC (Joel Greenblatt) % is 991.57%, which is 60% below median its own 10-year median of 2,499.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aadhar Housing Finance stock overvalued right now?
Aadhar Housing Finance (BOM:544176) has a current ROC (Joel Greenblatt) % of 991.57%. The current ROC (Joel Greenblatt) % is 991.57%, which is 60% below median its 10-year median of 2,499.09 and 1721.1% above the Banks industry median of 54.45. Aadhar Housing Finance's overall GF Score™ is 38/100 with 6 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 Aadhar Housing Finance (BOM:544176), the current ROC (Joel Greenblatt) % is 991.57% 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.
Aadhar Housing Finance Ltd is a housing finance company. It provides home loan services to the low-to-middle-income group segment in the low-income housing finance sector. The Company offers a range of mortgage-related loan products, including loans for residential property purchase and construction; home improvement and extension loans; loans for commercial property construction and acquisition, and loans against residential properties. Geographically, it generates all of its revenue within India.
38GF Score
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