VCredit Holdings (FRA:5R6) ROC (Joel Greenblatt) %: % (As of Dec. 2025)

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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:5R6 VCredit Holdings Ltd FRA:5R6
21 GF Score
Price €0.09
GF Value €0.06
Valuation Significantly Overvalued
! 3 Warning Signs
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What is VCredit Holdings ROC (Joel Greenblatt) %?

VCredit Holdings FRA:5R6 -0.58% 21 ROC (Joel Greenblatt) % is % as of Dec. 2025. GuruFocus rates FRA:5R6 with a GF Score™ of 21/100 and a GF Value™ of €0.06 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 417 Credit Services companies, VCredit Holdings ranks worse than 239807.91% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

FRA:5R6
21GF Score
VCredit Holdings Ltd FRA:5R6
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
VCredit Holdings (FRA:5R6) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on VCredit Holdings and its competitors. According to the industry distribution chart, VCredit Holdings ranks #999999 out of 417 companies in the Credit Services industry.
Is VCredit Holdings' ROC (Joel Greenblatt) % too high?
VCredit Holdings' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, VCredit Holdings ranks #999999 out of 417 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, VCredit Holdings has a GF Score™ of 21/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does VCredit Holdings' ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, VCredit Holdings ranks #999999 out of 417 companies for ROC (Joel Greenblatt) %. This places VCredit Holdings in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 38.19. 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 38.19, 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. 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 VCredit Holdings and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. VCredit Holdings's current ROC (Joel Greenblatt) % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VCredit Holdings stock overvalued right now?
Based on GuruFocus' analysis, VCredit Holdings (FRA:5R6) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.06, compared to a current price of €0.09 — trading 43.3% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. VCredit Holdings' overall GF Score™ is 21/100 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 VCredit Holdings (FRA:5R6), the current ROC (Joel Greenblatt) % is % as of Dec. 2025. 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 VCredit Holdings (FRA:5R6) Overvalued in 2026?

Based on GuruFocus' analysis, VCredit Holdings stock appears to be overvalued. The current stock price of €0.09 is trading 43.3% above its estimated GF Value™ of €0.06. GuruFocus considers VCredit Holdings to be Significantly Overvalued.

Key valuation signals for FRA:5R6:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: €0.06 vs. price of €0.09 (43.3% above fair value)
  • GF Score™: 21/100 with 3 warning signs

No single metric tells the full story. See the FRA:5R6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

VCredit Holdings Business Description

Other Exchanges 02003:Hong Kong
Address 19th Floor, Two Pacific Place, Suite 1918, 88 Queensway, Hong Kong, HKG, 200085
VCredit Holdings Ltd is an investment holding company and has one operating segment. The Group is a technology-driven consumer financial service provider in the People's Republic of China. The Group offers tailored consumer finance products to prime and near-prime borrowers who are underserved by traditional financial institutions. The Group also offers consumer finance products by facilitating transactions between borrowers and financial institutions. The company generates the majority of its revenue from Interest and similar income.
21GF Score

Get the complete analysis for FRA:5R6

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.09
Price
€0.06
GF Value