Mahindra & Mahindra Financial Services (NSE:M&MFIN) ROC (Joel Greenblatt) %: % (As of Jun. 2026)

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Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:M&MFIN Mahindra & Mahindra Financial Services Ltd NSE:M&MFIN
73 GF Score
Price ₹349.85
GF Value ₹355.43
Valuation Fairly Valued
! 2 Warning Signs
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What is Mahindra & Mahindra Financial Services ROC (Joel Greenblatt) %?

Mahindra & Mahindra Financial Services NSE:M&MFIN +8.46% 73 ROC (Joel Greenblatt) % is % as of Jun. 2026. GuruFocus rates NSE:M&MFIN with a GF Score™ of 73/100 and a GF Value™ of ₹355.43 (Fairly Valued). The stock has 2 warning signs investors should review. Among 415 Credit Services companies, Mahindra & Mahindra Financial Services ranks worse than 240963.61% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

NSE:M&MFIN
73GF Score
Mahindra & Mahindra Financial Services Ltd NSE:M&MFIN
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Mahindra & Mahindra Financial Services (NSE:M&MFIN) has a ROC (Joel Greenblatt) % of % 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 Mahindra & Mahindra Financial Services and its competitors. According to the industry distribution chart, Mahindra & Mahindra Financial Services ranks #999999 out of 415 companies in the Credit Services industry.
Is Mahindra & Mahindra Financial Services' ROC (Joel Greenblatt) % too high?
Mahindra & Mahindra Financial Services' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Mahindra & Mahindra Financial Services ranks #999999 out of 415 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Mahindra & Mahindra Financial Services has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Mahindra & Mahindra Financial Services' ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Mahindra & Mahindra Financial Services ranks #999999 out of 415 companies for ROC (Joel Greenblatt) %. This places Mahindra & Mahindra Financial Services in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 38.99. 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 38.99, based on 415 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. 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 Mahindra & Mahindra Financial Services and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mahindra & Mahindra Financial Services's current ROC (Joel Greenblatt) % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mahindra & Mahindra Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Mahindra & Mahindra Financial Services (NSE:M&MFIN) is currently considered Fairly Valued. The stock's GF Value™ is ₹355.43, compared to a current price of ₹349.85 — trading 1.6% below its estimated fair value. The current ROC (Joel Greenblatt) % is %. Mahindra & Mahindra Financial Services' overall GF Score™ is 73/100 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 Mahindra & Mahindra Financial Services (NSE:M&MFIN), the current ROC (Joel Greenblatt) % is % 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 Mahindra & Mahindra Financial Services (NSE:M&MFIN) Overvalued in 2026?

Based on GuruFocus' analysis, Mahindra & Mahindra Financial Services stock appears to be undervalued. The current stock price of ₹349.85 is trading 1.6% below its estimated GF Value™ of ₹355.43. GuruFocus considers Mahindra & Mahindra Financial Services to be Fairly Valued.

Key valuation signals for NSE:M&MFIN:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: ₹355.43 vs. price of ₹349.85 (1.6% below fair value)
  • GF Score™: 73/100 with 2 warning signs

No single metric tells the full story. See the NSE:M&MFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Mahindra & Mahindra Financial Services Business Description

Other Exchanges 532720:India
Address Dr. G M. Bhosale Marg, 4th Floor, Mahindra Towers, A Wing, P.K. Kurne Chowk, Worli, Mumbai, MH, IND, 400 018
Mahindra & Mahindra Financial Services Ltd is a nonbanking financial company engaged in financing new and pre-owned auto, utility vehicles, tractors, passenger cars and commercial vehicles through its pan India branch network. The company has a diversified lending portfolio across retail, small and medium enterprises and commercial customers with a presence in rural and semi-urban India. The company has two segments : Financing Activities, that includes financing and leasing of automobiles, tractors, commercial vehicles, SMEs and housing finance.; and Other reconciling items which consists insurance broking, asset management services and trusteeship services. It derives maximum revenue from Financing Activities.
73GF Score

Get the complete analysis for NSE:M&MFIN

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹349.85
Price
₹355.43
GF Value