Mitsubishi HC CapitalMIUFF 83 ROC (Joel Greenblatt) % is 1.68% as of Mar. 2026, which is 17% below its 10-year median of 2.03. GuruFocus rates MIUFF with a GF Score™ of 83/100 and a GF Value™ of $6.62. The stock has 3 warning signs investors should review. Among 413 Credit Services companies, Mitsubishi HC Capital ranks worse than 69.25% 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. Mitsubishi HC Capital's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 1.68%.
The historical rank and industry rank for Mitsubishi HC Capital's ROC (Joel Greenblatt) % or its related term are showing as below:
MIUFF'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 1.77 Med: 2.03 Max: 2.4
Current: 2.4
During the past 13 years, Mitsubishi HC Capital's highest ROC (Joel Greenblatt) % was 2.40%. The lowest was 1.77%. And the median was 2.03%.
MIUFF's ROC (Joel Greenblatt) % is ranked worse than 69.25% of 413
companies
in the Credit Services industry
Industry Median: 38.19
vs MIUFF: 2.40
Mitsubishi HC Capital's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 3.70% per year.
Mitsubishi HC Capital (OTCPK:MIUFF) 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.
Mitsubishi HC Capital ROC (Joel Greenblatt) % Related Terms
Mitsubishi HC Capital ROC (Joel Greenblatt) % Historical Data
* Premium members only.
The historical data trend for Mitsubishi HC Capital'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.
Mitsubishi HC Capital ROC (Joel Greenblatt) % Chart
MIUFF vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, Mitsubishi HC Capital'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.
Mitsubishi HC Capital ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mitsubishi HC Capital's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Mitsubishi HC Capital's ROC (Joel Greenblatt) % falls into.
Mitsubishi HC Capital 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 1.68% mean?
Mitsubishi HC Capital (MIUFF) has a ROC (Joel Greenblatt) % of 1.68% 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 Mitsubishi HC Capital and its competitors. This is 17% below median its historical median of 2.03. Over the past decade, Mitsubishi HC Capital's ROC (Joel Greenblatt) % has ranged from 1.77 to 2.40. According to the industry distribution chart, Mitsubishi HC Capital ranks #286 out of 413 companies in the Credit Services industry, placing it in the top 69.2%.
Is Mitsubishi HC Capital's ROC (Joel Greenblatt) % too high?
Mitsubishi HC Capital's current ROC (Joel Greenblatt) % of 1.68% is 17% below median its 10-year median of 2.03. Over the past 10 years, this metric has ranged from a low of 1.77 to a high of 2.40. The Credit Services industry median ROC (Joel Greenblatt) % is 38.19. Mitsubishi HC Capital's value of 1.68% is 95.6% below this industry median. Based on the distribution chart, Mitsubishi HC Capital ranks #286 out of 413 companies in the Credit Services industry, which is below the industry midpoint. Overall, Mitsubishi HC Capital has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does Mitsubishi HC Capital's ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Mitsubishi HC Capital ranks #286 out of 413 companies for ROC (Joel Greenblatt) %. This places Mitsubishi HC Capital in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 38.19. Mitsubishi HC Capital's value of 1.68% is 95.6% below this benchmark. Historically, Mitsubishi HC Capital's own ROC (Joel Greenblatt) % has ranged from 1.77 to 2.40 over the past decade. While the company's 10-year median is 2.03 vs. the industry median of 38.19, Mitsubishi HC Capital 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 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. Mitsubishi HC Capital's current ROC (Joel Greenblatt) % of 1.68% is 95.6% 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 Mitsubishi HC Capital 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. Mitsubishi HC Capital's current ROC (Joel Greenblatt) % is 1.68%, which is 17% below median its own 10-year median of 2.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mitsubishi HC Capital stock overvalued right now?
Mitsubishi HC Capital (MIUFF) has a current ROC (Joel Greenblatt) % of 1.68%. The stock's GF Value™ is $6.62, compared to a current price of $7.50 — trading 13.3% above its estimated fair value. The current ROC (Joel Greenblatt) % is 1.68%, which is 17% below median its 10-year median of 2.03 and 95.6% below the Credit Services industry median of 38.19. Mitsubishi HC Capital's overall GF Score™ is 83/100 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 Mitsubishi HC Capital (MIUFF), the current ROC (Joel Greenblatt) % is 1.68% 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 Mitsubishi HC Capital (MIUFF) Overvalued in 2026?
Based on GuruFocus' analysis, Mitsubishi HC Capital stock appears to be overvalued.
The current stock price of $7.50 is trading 13.3% above its estimated GF Value™ of $6.62.
Key valuation signals for MIUFF:
ROC (Joel Greenblatt) %: 1.68% (17% below median its 10-year median of 2.03)
GF Value™: $6.62 vs. price of $7.50 (13.3% above fair value)
Industry Position: 95.6% below the Credit Services median (#286 of 413)
No single metric tells the full story. See the MIUFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mitsubishi HC Capital Inc is a Japan-based company engaged in providing comprehensive financial services. The company operates through several reportable segments, including Customer Solution, Overseas Region, Environmental Energy, Aviation, Logistics, Real Estate, and Mobility. Its businesses include finance solutions for corporations and government agencies, energy-saving and vendor finance, renewable energy and environmental finance, aircraft and engine leasing, marine container and railway freight car leasing, real estate finance and investment, and automobile leasing and related services. It generates the majority of its revenue from the Customer Solutions segment.
83GF Score
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