Sancus Lending Group (LSE:LEND) ROC (Joel Greenblatt) %: 533.51% (As of Dec. 2025)


What is Sancus Lending Group ROC (Joel Greenblatt) %?

Sancus Lending Group LSE:LEND -4.17% ROC (Joel Greenblatt) % is 533.51% as of Dec. 2025. The stock has 9 warning signs investors should review. Among 413 Credit Services companies, Sancus Lending Group ranks better than 79.66% 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. Sancus Lending Group's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was 533.51%.

The historical rank and industry rank for Sancus Lending Group's ROC (Joel Greenblatt) % or its related term are showing as below:

LSE:LEND' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: -41468.09   Med: -1194.68   Max: 647.46
Current: 505.98

During the past 13 years, Sancus Lending Group's highest ROC (Joel Greenblatt) % was 647.46%. The lowest was -41468.09%. And the median was -1194.68%.

LSE:LEND's ROC (Joel Greenblatt) % is ranked better than
79.66% of 413 companies
in the Credit Services industry
Industry Median: 39.24 vs LSE:LEND: 505.98

Sancus Lending Group's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 0.00% per year.


Sancus Lending Group  (LSE:LEND) 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.

Joel Greenblatt uses his definition of Return on Capital and Earnings Yield (Joel Greenblatt) % to rank companies.


Sancus Lending Group ROC (Joel Greenblatt) % Related Terms


Sancus Lending Group ROC (Joel Greenblatt) % Historical Data

* Premium members only.

The historical data trend for Sancus Lending Group'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.

Sancus Lending Group ROC (Joel Greenblatt) % Chart

Sancus Lending Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROC (Joel Greenblatt) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -1,414.92 -868.57 -1,692.91 647.46 509.89

Sancus Lending Group Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
ROC (Joel Greenblatt) % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -3,512.87 461.54 1,137.00 465.55 533.51

LSE:LEND vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison

For the Credit Services subindustry, Sancus Lending Group'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.


Sancus Lending Group ROC (Joel Greenblatt) % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Sancus Lending Group's ROC (Joel Greenblatt) % distribution charts can be found below:

* The bar in red indicates where Sancus Lending Group's ROC (Joel Greenblatt) % falls into.



Sancus Lending Group 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:

ROC (Joel Greenblatt) %=EBIT/Average of (Net fixed Assets + Net Working Capital)

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.

Working Capital(Q: Jun. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0.629 + 0 + -1.4210854715202E-14) - (2.572 + 0 + 0.761)
=-2.704

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(1.042 + 0 + 0.073000000000008) - (2.904 + 0 + 3.938)
=-5.727

When net working capital is negative, 0 is used.

So ROC (Joel Greenblatt) % of Sancus Lending Group for the quarter that ended in Dec. 2025 can be restated as:

ROC (Joel Greenblatt) %(Q: Dec. 2025 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Jun. 2025  Q: Dec. 2025
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=3.956/( ( (0.662 + max(-2.704, 0)) + (0.821 + max(-5.727, 0)) )/ 2 )
=3.956/( ( 0.662 + 0.821 )/ 2 )
=3.956/0.7415
=533.51 %

Note: The EBIT data used here is two times the semi-annual (Dec. 2025) 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 533.51% mean?
Sancus Lending Group (LSE:LEND) has a ROC (Joel Greenblatt) % of 533.51% 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 Sancus Lending Group and its competitors. According to the industry distribution chart, Sancus Lending Group ranks #84 out of 413 companies in the Credit Services industry, placing it in the top 20.3%.
Is Sancus Lending Group's ROC (Joel Greenblatt) % too high?
Sancus Lending Group's current ROC (Joel Greenblatt) % is 533.51%. The Credit Services industry median ROC (Joel Greenblatt) % is 39.24. Sancus Lending Group's value of 533.51% is 1259.6% above this industry median. Based on the distribution chart, Sancus Lending Group ranks #84 out of 413 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers.
How does Sancus Lending Group's ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Sancus Lending Group ranks #84 out of 413 companies for ROC (Joel Greenblatt) %. This places Sancus Lending Group in the top 20% of its industry — outperforming the majority of peers. The industry median ROC (Joel Greenblatt) % is 39.24. Sancus Lending Group's value of 533.51% is 1259.6% above this benchmark. 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 39.24, based on 413 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. Sancus Lending Group's current ROC (Joel Greenblatt) % of 533.51% is 1259.6% 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 Sancus Lending Group and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 39.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sancus Lending Group's current ROC (Joel Greenblatt) % is 533.51%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sancus Lending Group stock overvalued right now?
Based on GuruFocus' analysis, Sancus Lending Group (LSE:LEND) is currently considered Modestly Overvalued. The stock's GF Value™ is £0.01, compared to a current price of £0.01 — trading 15% above its estimated fair value. The current ROC (Joel Greenblatt) % is 533.51% and 1259.6% above the Credit Services industry median of 39.24. 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 Sancus Lending Group (LSE:LEND), the current ROC (Joel Greenblatt) % is 533.51% 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.

Sancus Lending Group Business Description

Address Lower Pollet, Suite 1, First Floor, Windsor House, Saint Peter Port, GGY, GY1 1WF
Sancus Lending Group Ltd is an alternative finance provider, offering borrowers fast, bespoke bridging and development finance and co-funders a range of asset-backed funding opportunities. Its segments include Offshore, United Kingdom, Ireland, and Sancus Loans Limited. The Offshore segment includes the operations of Sancus Lending (Jersey) Limited, Sancus Lending (Guernsey) Limited, Sancus Lending (Gibraltar) Limited, Sancus Properties Limited, and Sancus Group Holdings Limited. The United Kingdom segment contains the operations of Sancus Lending (UK) Limited and Sancus Holdings (UK) Limited. The Ireland segment contains the operations of Sancus Lending (Ireland) Limited. The Sancus Loans Limited contains the operations of Sancus Loans Limited and Sancus Loans No.3 Limited.