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Paisalo DigitalLUX:SEINV 73 ROC (Joel Greenblatt) % is 496.78% as of Mar. 2026, which is 0% above its 10-year median of 494.45. GuruFocus rates LUX:SEINV with a GF Score™ of 73/100 and a GF Value™ of $2.65. The stock has 11 warning signs investors should review. Among 417 Credit Services companies, Paisalo Digital ranks better than 78.18% 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. Paisalo Digital's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 496.78%.
The historical rank and industry rank for Paisalo Digital's ROC (Joel Greenblatt) % or its related term are showing as below:
LUX:SEINV'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 366.32 Med: 494.45 Max: 5574.92
Current: 462.6
During the past 13 years, Paisalo Digital's highest ROC (Joel Greenblatt) % was 5574.92%. The lowest was 366.32%. And the median was 494.45%.
LUX:SEINV's ROC (Joel Greenblatt) % is ranked better than 78.18% of 417
companies
in the Credit Services industry
Industry Median: 38.19
vs LUX:SEINV: 462.60
Paisalo Digital's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 0.70% per year.
Paisalo Digital (LUX:SEINV) 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.
Paisalo Digital ROC (Joel Greenblatt) % Related Terms
Paisalo Digital ROC (Joel Greenblatt) % Historical Data
* Premium members only.
The historical data trend for Paisalo Digital'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.
LUX:SEINV vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, Paisalo Digital'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.
Paisalo Digital ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Paisalo Digital's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Paisalo Digital's ROC (Joel Greenblatt) % falls into.
Paisalo Digital 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 (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 496.78% mean?
Paisalo Digital (LUX:SEINV) has a ROC (Joel Greenblatt) % of 496.78% 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 Paisalo Digital and its competitors. This is near median its historical median of 494.45. Over the past decade, Paisalo Digital's ROC (Joel Greenblatt) % has ranged from 366.32 to 5,574.92. According to the industry distribution chart, Paisalo Digital ranks #91 out of 417 companies in the Credit Services industry, placing it in the top 21.8%.
Is Paisalo Digital's ROC (Joel Greenblatt) % too high?
Paisalo Digital's current ROC (Joel Greenblatt) % of 496.78% is near median its 10-year median of 494.45. Over the past 10 years, this metric has ranged from a low of 366.32 to a high of 5,574.92. The Credit Services industry median ROC (Joel Greenblatt) % is 38.19. Paisalo Digital's value of 496.78% is 1200.8% above this industry median. Based on the distribution chart, Paisalo Digital ranks #91 out of 417 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Paisalo Digital has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does Paisalo Digital's ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Paisalo Digital ranks #91 out of 417 companies for ROC (Joel Greenblatt) %. This places Paisalo Digital in the top 22% of its industry — outperforming the majority of peers. The industry median ROC (Joel Greenblatt) % is 38.19. Paisalo Digital's value of 496.78% is 1200.8% above this benchmark. Historically, Paisalo Digital's own ROC (Joel Greenblatt) % has ranged from 366.32 to 5,574.92 over the past decade. While the company's 10-year median is 494.45 vs. the industry median of 38.19, Paisalo Digital 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 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. Paisalo Digital's current ROC (Joel Greenblatt) % of 496.78% is 1200.8% 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 Paisalo Digital 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. Paisalo Digital's current ROC (Joel Greenblatt) % is 496.78%, which is near median its own 10-year median of 494.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paisalo Digital stock overvalued right now?
Paisalo Digital (LUX:SEINV) has a current ROC (Joel Greenblatt) % of 496.78%. The stock's GF Value™ is $2.65, compared to a current price of $3.76 — trading 41.9% above its estimated fair value. The current ROC (Joel Greenblatt) % is 496.78%, which is near median its 10-year median of 494.45 and 1200.8% above the Credit Services industry median of 38.19. Paisalo Digital's overall GF Score™ is 73/100 with 11 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 Paisalo Digital (LUX:SEINV), the current ROC (Joel Greenblatt) % is 496.78% 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 Paisalo Digital (LUX:SEINV) Overvalued in 2026?
Based on GuruFocus' analysis, Paisalo Digital stock appears to be overvalued.
The current stock price of $3.76 is trading 41.9% above its estimated GF Value™ of $2.65.
Key valuation signals for LUX:SEINV:
ROC (Joel Greenblatt) %: 496.78% (near median its 10-year median of 494.45)
GF Value™: $2.65 vs. price of $3.76 (41.9% above fair value)
Industry Position: 1200.8% above the Credit Services median (#91 of 417)
No single metric tells the full story. See the LUX:SEINV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Paisalo Digital Ltd is a non-deposit-taking non-banking finance company that offers financial services to underserved individuals in India. The product portfolio of the company consists of business loans, loans for small and medium enterprises, income generation loans, mobility loans, entrepreneurial loans, and others. It lends to individuals, SSIs, SMEs, and other manufacturing, trading, and service sector entities, among others.
73GF Score
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