Clip MoneyCLPMF 37 ROC (Joel Greenblatt) % is -150.90% as of Mar. 2026. GuruFocus rates CLPMF with a GF Score™ of 37/100 and a GF Value™ of $0.83 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 2,807 Software companies, Clip Money ranks worse than 79.34% 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. Clip Money's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was -150.90%.
The historical rank and industry rank for Clip Money's ROC (Joel Greenblatt) % or its related term are showing as below:
CLPMF'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: -214.44 Med: -144.46 Max: -85.53
Current: -132.54
During the past 5 years, Clip Money's highest ROC (Joel Greenblatt) % was -85.53%. The lowest was -214.44%. And the median was -144.46%.
CLPMF's ROC (Joel Greenblatt) % is ranked worse than 79.34% of 2807
companies
in the Software industry
Industry Median: 19.62
vs CLPMF: -132.54
Clip Money's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 0.00% 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.
Clip Money ROC (Joel Greenblatt) % Historical Data
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The historical data trend for Clip Money'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.
CLPMF vs MSFT, ORCL, PLTR: ROC (Joel Greenblatt) % Comparison
For the Software - Infrastructure subindustry, Clip Money'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.
Clip Money ROC (Joel Greenblatt) % vs Software Industry
For the Software industry and Technology sector, Clip Money's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Clip Money'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 (Mar. 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 -150.90% mean?
Clip Money (CLPMF) has a ROC (Joel Greenblatt) % of -150.90% as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Clip Money and its competitors. According to the industry distribution chart, Clip Money ranks #2227 out of 2807 companies in the Software industry, placing it in the top 79.3%.
Is Clip Money's ROC (Joel Greenblatt) % too high?
Clip Money's current ROC (Joel Greenblatt) % is -150.90%. Based on the distribution chart, Clip Money ranks #2227 out of 2807 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Clip Money has a GF Score™ of 37/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Clip Money's ROC (Joel Greenblatt) % compare to MSFT and ORCL?
According to the Software industry distribution chart, Clip Money ranks #2227 out of 2807 companies for ROC (Joel Greenblatt) %. This places Clip Money in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 19.62. 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 Software company?
The median ROC (Joel Greenblatt) % among Software companies is 19.62, based on 2,807 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 Clip Money and its competitors. For the Software industry, the median ROC (Joel Greenblatt) % is 19.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Clip Money's current ROC (Joel Greenblatt) % is -150.90%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Clip Money stock overvalued right now?
Based on GuruFocus' analysis, Clip Money (CLPMF) is currently considered Possible Value Trap. The stock's GF Value™ is $0.83, compared to a current price of $0.10 — trading 88.4% below its estimated fair value. The current ROC (Joel Greenblatt) % is -150.90%. Clip Money's overall GF Score™ is 37/100 with 7 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 Clip Money (CLPMF), the current ROC (Joel Greenblatt) % is -150.90% as of Mar. 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 Clip Money (CLPMF) Overvalued in 2026?
Based on GuruFocus' analysis, Clip Money stock appears to be undervalued.
The current stock price of $0.10 is trading 88.4% below its estimated GF Value™ of $0.83.
GuruFocus considers Clip Money to be Possible Value Trap.
Key valuation signals for CLPMF:
ROC (Joel Greenblatt) %: -150.90%
GF Value™: $0.83 vs. price of $0.10 (88.4% below fair value)
No single metric tells the full story. See the CLPMF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Clip Money Inc is a Canadian-based company principally in the business of providing a proprietary deposit network to businesses and financial institutions located across North America. A network of ClipDrop safes located in malls, box stores, and grocery chains, Clip improves the business deposit experience through transformational digital and mobile-enabled services. The company has one operating segment, which is providing a proprietary deposit network to businesses located across North America. The company combines functional hardware, an intuitive mobile app, and a cloud-based transaction engine that maximizes business banking transactions. It also facilitates mobile change orders, which are fully insured and shipped within one to two business days.
37GF Score
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