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Finbud Financial ServicesNSE:FINBUD +1.11%19 ROC (Joel Greenblatt) % is 34.42% as of Mar. 2026, which is 6% below its 10-year median of 36.46. GuruFocus rates NSE:FINBUD with a GF Score™ of 19/100. The stock has 2 warning signs investors should review. Among 418 Credit Services companies, Finbud Financial Services ranks better than 50.96% 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. Finbud Financial Services's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 34.42%.
The historical rank and industry rank for Finbud Financial Services's ROC (Joel Greenblatt) % or its related term are showing as below:
NSE:FINBUD'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 27.15 Med: 36.46 Max: 58.74
Current: 34.42
During the past 4 years, Finbud Financial Services's highest ROC (Joel Greenblatt) % was 58.74%. The lowest was 27.15%. And the median was 36.46%.
NSE:FINBUD's ROC (Joel Greenblatt) % is ranked better than 50.96% of 418
companies
in the Credit Services industry
Industry Median: 32.065
vs NSE:FINBUD: 34.42
Finbud Financial Services's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 0.00% 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.
Finbud Financial Services ROC (Joel Greenblatt) % Related Terms
Finbud Financial Services ROC (Joel Greenblatt) % Historical Data
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The historical data trend for Finbud Financial Services'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.
NSE:FINBUD vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, Finbud 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.
Finbud Financial Services ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finbud Financial Services's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Finbud 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 one times the annual (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 34.42% mean?
Finbud Financial Services (NSE:FINBUD) has a ROC (Joel Greenblatt) % of 34.42% 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 Finbud Financial Services and its competitors. This is near median its historical median of 36.46. Over the past decade, Finbud Financial Services' ROC (Joel Greenblatt) % has ranged from 27.15 to 58.74. According to the industry distribution chart, Finbud Financial Services ranks #205 out of 418 companies in the Credit Services industry, placing it in the top 49%.
Is Finbud Financial Services' ROC (Joel Greenblatt) % too high?
Finbud Financial Services' current ROC (Joel Greenblatt) % of 34.42% is near median its 10-year median of 36.46. Over the past 10 years, this metric has ranged from a low of 27.15 to a high of 58.74. The Credit Services industry median ROC (Joel Greenblatt) % is 32.07. Finbud Financial Services' value of 34.42% is 7.3% above this industry median. Based on the distribution chart, Finbud Financial Services ranks #205 out of 418 companies in the Credit Services industry, which is above the industry midpoint. Overall, Finbud Financial Services has a GF Score™ of 19/100, reflecting its overall financial health beyond just this single metric.
How does Finbud Financial Services' ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Finbud Financial Services ranks #205 out of 418 companies for ROC (Joel Greenblatt) %. This puts Finbud Financial Services in the upper half of its industry. The industry median ROC (Joel Greenblatt) % is 32.07. Finbud Financial Services' value of 34.42% is 7.3% above this benchmark. Historically, Finbud Financial Services' own ROC (Joel Greenblatt) % has ranged from 27.15 to 58.74 over the past decade. While the company's 10-year median is 36.46 vs. the industry median of 32.07, Finbud 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 32.07, based on 418 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. Finbud Financial Services's current ROC (Joel Greenblatt) % of 34.42% is 7.3% 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 Finbud Financial Services and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 32.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finbud Financial Services's current ROC (Joel Greenblatt) % is 34.42%, which is near median its own 10-year median of 36.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finbud Financial Services stock overvalued right now?
Finbud Financial Services (NSE:FINBUD) has a current ROC (Joel Greenblatt) % of 34.42%. The current ROC (Joel Greenblatt) % is 34.42%, which is near median its 10-year median of 36.46 and 7.3% above the Credit Services industry median of 32.07. Finbud Financial Services' overall GF Score™ is 19/100 with 2 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 Finbud Financial Services (NSE:FINBUD), the current ROC (Joel Greenblatt) % is 34.42% 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.
Finbud Financial Services Ltd is engaged in the business of financial advisory, brokerage, and consultancy services, operating as a retail loan aggregation platform in India that helps people obtain personal, business, and home loans from banks and non-banking financial companies. The company acquires customers through a hybrid strategy using digital marketing and a wide network of external agents, and earns a commission from lenders upon loan disbursement. Its hybrid business model includes conventional lending through the Agent channel and digital lending through the Digital Channel, supported by partnerships with a wide network of lenders to offer tailored loan solutions that meet diverse customer needs.
19GF Score
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