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Creditwest Faktoring ASIST:CRDFA -1.21%47 ROC (Joel Greenblatt) % is 7.57% as of Jun. 2026, which is 96% below its 10-year median of 177.72. GuruFocus rates IST:CRDFA with a GF Score™ of 47/100 and a GF Value™ of ₺8.93 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 418 Credit Services companies, Creditwest Faktoring AS ranks worse than 66.51% 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. Creditwest Faktoring AS's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was 7.57%.
The historical rank and industry rank for Creditwest Faktoring AS's ROC (Joel Greenblatt) % or its related term are showing as below:
IST:CRDFA'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 4.02 Med: 177.72 Max: 1048.17
Current: 4.02
During the past 13 years, Creditwest Faktoring AS's highest ROC (Joel Greenblatt) % was 1048.17%. The lowest was 4.02%. And the median was 177.72%.
IST:CRDFA's ROC (Joel Greenblatt) % is ranked worse than 66.51% of 418
companies
in the Credit Services industry
Industry Median: 32.065
vs IST:CRDFA: 4.02
Creditwest Faktoring AS's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was -23.00% per year.
Creditwest Faktoring AS (IST:CRDFA) ROC (Joel Greenblatt) % Explanation
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.
Creditwest Faktoring AS ROC (Joel Greenblatt) % Related Terms
Creditwest Faktoring AS ROC (Joel Greenblatt) % Historical Data
* Premium members only.
The historical data trend for Creditwest Faktoring AS'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.
Creditwest Faktoring AS ROC (Joel Greenblatt) % Chart
IST:CRDFA vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, Creditwest Faktoring AS'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.
Creditwest Faktoring AS ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Creditwest Faktoring AS's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Creditwest Faktoring AS's ROC (Joel Greenblatt) % falls into.
Creditwest Faktoring AS ROC (Joel Greenblatt) % Calculation
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 7.57% mean?
Creditwest Faktoring AS (IST:CRDFA) has a ROC (Joel Greenblatt) % of 7.57% 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 Creditwest Faktoring AS and its competitors. This is 96% below median its historical median of 177.72. Over the past decade, Creditwest Faktoring AS's ROC (Joel Greenblatt) % has ranged from 4.02 to 1,048.17. According to the industry distribution chart, Creditwest Faktoring AS ranks #278 out of 418 companies in the Credit Services industry, placing it in the top 66.5%.
Is Creditwest Faktoring AS's ROC (Joel Greenblatt) % too high?
Creditwest Faktoring AS's current ROC (Joel Greenblatt) % of 7.57% is 96% below median its 10-year median of 177.72. Over the past 10 years, this metric has ranged from a low of 4.02 to a high of 1,048.17. The Credit Services industry median ROC (Joel Greenblatt) % is 32.07. Creditwest Faktoring AS's value of 7.57% is 76.4% below this industry median. Based on the distribution chart, Creditwest Faktoring AS ranks #278 out of 418 companies in the Credit Services industry, which is below the industry midpoint. Overall, Creditwest Faktoring AS has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Creditwest Faktoring AS's ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Creditwest Faktoring AS ranks #278 out of 418 companies for ROC (Joel Greenblatt) %. This places Creditwest Faktoring AS in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 32.07. Creditwest Faktoring AS's value of 7.57% is 76.4% below this benchmark. Historically, Creditwest Faktoring AS's own ROC (Joel Greenblatt) % has ranged from 4.02 to 1,048.17 over the past decade. While the company's 10-year median is 177.72 vs. the industry median of 32.07, Creditwest Faktoring AS has consistently been below 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 32.07, based on 418 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. Creditwest Faktoring AS's current ROC (Joel Greenblatt) % of 7.57% is 76.4% below 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 Creditwest Faktoring AS and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 32.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Creditwest Faktoring AS's current ROC (Joel Greenblatt) % is 7.57%, which is 96% below median its own 10-year median of 177.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Creditwest Faktoring AS stock overvalued right now?
Based on GuruFocus' analysis, Creditwest Faktoring AS (IST:CRDFA) is currently considered Significantly Overvalued. The stock's GF Value™ is ₺8.93, compared to a current price of ₺26.08 — trading 192% above its estimated fair value. The current ROC (Joel Greenblatt) % is 7.57%, which is 96% below median its 10-year median of 177.72 and 76.4% below the Credit Services industry median of 32.07. Creditwest Faktoring AS's overall GF Score™ is 47/100 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 Creditwest Faktoring AS (IST:CRDFA), the current ROC (Joel Greenblatt) % is 7.57% 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.
Is Creditwest Faktoring AS (IST:CRDFA) Overvalued in 2026?
Based on GuruFocus' analysis, Creditwest Faktoring AS stock appears to be overvalued.
The current stock price of ₺26.08 is trading 192% above its estimated GF Value™ of ₺8.93.
GuruFocus considers Creditwest Faktoring AS to be Significantly Overvalued.
Key valuation signals for IST:CRDFA:
ROC (Joel Greenblatt) %: 7.57% (96% below median its 10-year median of 177.72)
GF Value™: ₺8.93 vs. price of ₺26.08 (192% above fair value)
Industry Position: 76.4% below the Credit Services median (#278 of 418)
No single metric tells the full story. See the IST:CRDFA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Creditwest Faktoring AS is a Turkish company which engages in the factoring activities regarding domestic and international transactions. It offers various types of factoring services, such as domestic, import and export, which are used in a range of sectors. The company also provides credit management, revenue management, and cash management.
47GF Score
Get the complete analysis for IST:CRDFA
ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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