Generalfinance SpAMIL:GF 68 ROC (Joel Greenblatt) % is 651.93% as of Mar. 2026, which is 92% above its 10-year median of 338.72. GuruFocus rates MIL:GF with a GF Score™ of 68/100 and a GF Value™ of €16.02 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 413 Credit Services companies, Generalfinance SpA ranks better than 86.2% 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. Generalfinance SpA's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 651.93%.
The historical rank and industry rank for Generalfinance SpA's ROC (Joel Greenblatt) % or its related term are showing as below:
MIL:GF'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 167.32 Med: 338.72 Max: 747.78
Current: 745.71
During the past 8 years, Generalfinance SpA's highest ROC (Joel Greenblatt) % was 747.78%. The lowest was 167.32%. And the median was 338.72%.
MIL:GF's ROC (Joel Greenblatt) % is ranked better than 86.2% of 413
companies
in the Credit Services industry
Industry Median: 38.19
vs MIL:GF: 745.71
Generalfinance SpA's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 30.30% 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.
Generalfinance SpA ROC (Joel Greenblatt) % Related Terms
Generalfinance SpA ROC (Joel Greenblatt) % Historical Data
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The historical data trend for Generalfinance SpA'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.
MIL:GF vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, Generalfinance SpA'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.
Generalfinance SpA ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Generalfinance SpA's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Generalfinance SpA'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 651.93% mean?
Generalfinance SpA (MIL:GF) has a ROC (Joel Greenblatt) % of 651.93% 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 Generalfinance SpA and its competitors. This is 92% above median its historical median of 338.72. Over the past decade, Generalfinance SpA's ROC (Joel Greenblatt) % has ranged from 167.32 to 747.78. According to the industry distribution chart, Generalfinance SpA ranks #57 out of 413 companies in the Credit Services industry, placing it in the top 13.8%.
Is Generalfinance SpA's ROC (Joel Greenblatt) % too high?
Generalfinance SpA's current ROC (Joel Greenblatt) % of 651.93% is 92% above median its 10-year median of 338.72. Over the past 10 years, this metric has ranged from a low of 167.32 to a high of 747.78. The Credit Services industry median ROC (Joel Greenblatt) % is 38.19. Generalfinance SpA's value of 651.93% is 1607.1% above this industry median. Based on the distribution chart, Generalfinance SpA ranks #57 out of 413 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Generalfinance SpA has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Generalfinance SpA's ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Generalfinance SpA ranks #57 out of 413 companies for ROC (Joel Greenblatt) %. This places Generalfinance SpA in the top 14% of its industry — outperforming the majority of peers. The industry median ROC (Joel Greenblatt) % is 38.19. Generalfinance SpA's value of 651.93% is 1607.1% above this benchmark. Historically, Generalfinance SpA's own ROC (Joel Greenblatt) % has ranged from 167.32 to 747.78 over the past decade. While the company's 10-year median is 338.72 vs. the industry median of 38.19, Generalfinance SpA 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 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. Generalfinance SpA's current ROC (Joel Greenblatt) % of 651.93% is 1607.1% 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 Generalfinance SpA 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. Generalfinance SpA's current ROC (Joel Greenblatt) % is 651.93%, which is 92% above median its own 10-year median of 338.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Generalfinance SpA stock overvalued right now?
Based on GuruFocus' analysis, Generalfinance SpA (MIL:GF) is currently considered Significantly Overvalued. The stock's GF Value™ is €16.02, compared to a current price of €29.20 — trading 82.3% above its estimated fair value. The current ROC (Joel Greenblatt) % is 651.93%, which is 92% above median its 10-year median of 338.72 and 1607.1% above the Credit Services industry median of 38.19. Generalfinance SpA's overall GF Score™ is 68/100 with 9 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 Generalfinance SpA (MIL:GF), the current ROC (Joel Greenblatt) % is 651.93% 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 Generalfinance SpA (MIL:GF) Overvalued in 2026?
Based on GuruFocus' analysis, Generalfinance SpA stock appears to be overvalued.
The current stock price of €29.20 is trading 82.3% above its estimated GF Value™ of €16.02.
GuruFocus considers Generalfinance SpA to be Significantly Overvalued.
Key valuation signals for MIL:GF:
ROC (Joel Greenblatt) %: 651.93% (92% above median its 10-year median of 338.72)
GF Value™: €16.02 vs. price of €29.20 (82.3% above fair value)
Industry Position: 1607.1% above the Credit Services median (#57 of 413)
No single metric tells the full story. See the MIL:GF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Generalfinance SpA operates is engaged in providing factoring services to small and medium-sized companies in financial difficulty. The group offers customized financing solutions to meet the needs of companies operating in the manufacturing, wholesale business, transportation, and construction.
68GF Score
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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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