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Fedbank Financial ServicesNSE:FEDFINA +0.75%61 ROC (Joel Greenblatt) % is 171.77% as of Jun. 2026, which is 2% below its 10-year median of 175.47. GuruFocus rates NSE:FEDFINA with a GF Score™ of 61/100 and a GF Value™ of ₹153.83 (Fairly Valued). The stock has 6 warning signs investors should review. Among 419 Credit Services companies, Fedbank Financial Services ranks better than 66.59% 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. Fedbank Financial Services's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was 171.77%.
The historical rank and industry rank for Fedbank Financial Services's ROC (Joel Greenblatt) % or its related term are showing as below:
NSE:FEDFINA'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 66.04 Med: 175.47 Max: 290.72
Current: 217.46
During the past 6 years, Fedbank Financial Services's highest ROC (Joel Greenblatt) % was 290.72%. The lowest was 66.04%. And the median was 175.47%.
NSE:FEDFINA's ROC (Joel Greenblatt) % is ranked better than 66.59% of 419
companies
in the Credit Services industry
Industry Median: 35.73
vs NSE:FEDFINA: 217.46
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.
* 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.
NSE:FEDFINA vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, Fedbank Financial Services'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.
Fedbank Financial Services ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Fedbank Financial Services's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Fedbank Financial Services'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 (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 171.77% mean?
Fedbank Financial Services (NSE:FEDFINA) has a ROC (Joel Greenblatt) % of 171.77% 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 Fedbank Financial Services and its competitors. This is near median its historical median of 175.47. Over the past decade, Fedbank Financial Services' ROC (Joel Greenblatt) % has ranged from 66.04 to 290.72. According to the industry distribution chart, Fedbank Financial Services ranks #140 out of 419 companies in the Credit Services industry, placing it in the top 33.4%.
Is Fedbank Financial Services' ROC (Joel Greenblatt) % too high?
Fedbank Financial Services' current ROC (Joel Greenblatt) % of 171.77% is near median its 10-year median of 175.47. Over the past 10 years, this metric has ranged from a low of 66.04 to a high of 290.72. The Credit Services industry median ROC (Joel Greenblatt) % is 35.73. Fedbank Financial Services' value of 171.77% is 380.7% above this industry median. Based on the distribution chart, Fedbank Financial Services ranks #140 out of 419 companies in the Credit Services industry, which is above the industry midpoint. Overall, Fedbank Financial Services has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Fedbank Financial Services' ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Fedbank Financial Services ranks #140 out of 419 companies for ROC (Joel Greenblatt) %. This puts Fedbank Financial Services in the upper half of its industry. The industry median ROC (Joel Greenblatt) % is 35.73. Fedbank Financial Services' value of 171.77% is 380.7% above this benchmark. Historically, Fedbank Financial Services' own ROC (Joel Greenblatt) % has ranged from 66.04 to 290.72 over the past decade. While the company's 10-year median is 175.47 vs. the industry median of 35.73, Fedbank Financial Services 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 35.73, based on 419 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. Fedbank Financial Services's current ROC (Joel Greenblatt) % of 171.77% is 380.7% 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 Fedbank Financial Services and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 35.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fedbank Financial Services's current ROC (Joel Greenblatt) % is 171.77%, which is near median its own 10-year median of 175.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fedbank Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Fedbank Financial Services (NSE:FEDFINA) is currently considered Fairly Valued. The stock's GF Value™ is ₹153.83, compared to a current price of ₹152.00 — trading 1.2% below its estimated fair value. The current ROC (Joel Greenblatt) % is 171.77%, which is near median its 10-year median of 175.47 and 380.7% above the Credit Services industry median of 35.73. Fedbank Financial Services' overall GF Score™ is 61/100 with 6 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 Fedbank Financial Services (NSE:FEDFINA), the current ROC (Joel Greenblatt) % is 171.77% 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 Fedbank Financial Services (NSE:FEDFINA) Overvalued in 2026?
Based on GuruFocus' analysis, Fedbank Financial Services stock appears to be undervalued.
The current stock price of ₹152.00 is trading 1.2% below its estimated GF Value™ of ₹153.83.
GuruFocus considers Fedbank Financial Services to be Fairly Valued.
Key valuation signals for NSE:FEDFINA:
ROC (Joel Greenblatt) %: 171.77% (near median its 10-year median of 175.47)
GF Value™: ₹153.83 vs. price of ₹152.00 (1.2% below fair value)
Industry Position: 380.7% above the Credit Services median (#140 of 419)
No single metric tells the full story. See the NSE:FEDFINA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fedbank Financial Services Ltd is a retail-focused non-banking finance company. It is focused on catering to the MSMEs and the emerging self-employed individuals (ESEIs) sector. It has a well-tailored suite of products targeted to match its customers' needs, which includes mortgage loans such as housing loans; small ticket loans against property (LAP); medium ticket LAP, unsecured business loans, and gold loans. It also has a Phygital doorstep model, a combination of digital and physical initiatives, for providing customized services to its customers across all of its products. The company's operations are classified into three business segments; the Retail Finance segment which derives the majority of its revenue, Distribution segment, and the Wholesale Finance segment.
61GF Score
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