PTC India Financial ServicesNSE:PFS +0.29%77 ROC (Joel Greenblatt) % is 383.79% as of Mar. 2026, which is 61% below its 10-year median of 979.69. GuruFocus rates NSE:PFS with a GF Score™ of 77/100 and a GF Value™ of ₹26.99 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 411 Credit Services companies, PTC India Financial Services ranks better than 82.97% 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. PTC India Financial Services's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 383.79%.
The historical rank and industry rank for PTC India Financial Services's ROC (Joel Greenblatt) % or its related term are showing as below:
NSE:PFS'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: -1055.93 Med: 979.69 Max: 2135.86
Current: 591.01
During the past 13 years, PTC India Financial Services's highest ROC (Joel Greenblatt) % was 2135.86%. The lowest was -1055.93%. And the median was 979.69%.
NSE:PFS's ROC (Joel Greenblatt) % is ranked better than 82.97% of 411
companies
in the Credit Services industry
Industry Median: 38.99
vs NSE:PFS: 591.01
PTC India Financial Services (NSE:PFS) 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.
* 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.
PTC India Financial Services ROC (Joel Greenblatt) % Chart
NSE:PFS vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, PTC India 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.
PTC India Financial Services ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PTC India Financial Services's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where PTC India Financial Services's ROC (Joel Greenblatt) % falls into.
PTC India Financial Services 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 383.79% mean?
PTC India Financial Services (NSE:PFS) has a ROC (Joel Greenblatt) % of 383.79% 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 PTC India Financial Services and its competitors. This is 61% below median its historical median of 979.69. According to the industry distribution chart, PTC India Financial Services ranks #70 out of 411 companies in the Credit Services industry, placing it in the top 17%.
Is PTC India Financial Services' ROC (Joel Greenblatt) % too high?
PTC India Financial Services' current ROC (Joel Greenblatt) % of 383.79% is 61% below median its 10-year median of 979.69. The Credit Services industry median ROC (Joel Greenblatt) % is 38.99. PTC India Financial Services' value of 383.79% is 884.3% above this industry median. Based on the distribution chart, PTC India Financial Services ranks #70 out of 411 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, PTC India Financial Services has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PTC India Financial Services' ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, PTC India Financial Services ranks #70 out of 411 companies for ROC (Joel Greenblatt) %. This places PTC India Financial Services in the top 17% of its industry — outperforming the majority of peers. The industry median ROC (Joel Greenblatt) % is 38.99. PTC India Financial Services' value of 383.79% is 884.3% above this benchmark. While the company's 10-year median is 979.69 vs. the industry median of 38.99, PTC India 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 38.99, based on 411 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. PTC India Financial Services's current ROC (Joel Greenblatt) % of 383.79% is 884.3% 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 PTC India 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. PTC India Financial Services's current ROC (Joel Greenblatt) % is 383.79%, which is 61% below median its own 10-year median of 979.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PTC India Financial Services stock overvalued right now?
Based on GuruFocus' analysis, PTC India Financial Services (NSE:PFS) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹26.99, compared to a current price of ₹31.27 — trading 15.9% above its estimated fair value. The current ROC (Joel Greenblatt) % is 383.79%, which is 61% below median its 10-year median of 979.69 and 884.3% above the Credit Services industry median of 38.99. PTC India Financial Services' overall GF Score™ is 77/100 with 4 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 PTC India Financial Services (NSE:PFS), the current ROC (Joel Greenblatt) % is 383.79% 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 PTC India Financial Services (NSE:PFS) Overvalued in 2026?
Based on GuruFocus' analysis, PTC India Financial Services stock appears to be overvalued.
The current stock price of ₹31.27 is trading 15.9% above its estimated GF Value™ of ₹26.99.
GuruFocus considers PTC India Financial Services to be Modestly Overvalued.
Key valuation signals for NSE:PFS:
ROC (Joel Greenblatt) %: 383.79% (61% below median its 10-year median of 979.69)
GF Value™: ₹26.99 vs. price of ₹31.27 (15.9% above fair value)
Industry Position: 884.3% above the Credit Services median (#70 of 411)
No single metric tells the full story. See the NSE:PFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PTC India Financial Services Ltd provides total financial services to the entities in the energy value chain, which inter alia includes investing in equity and extending debt to power projects in generation, transmission, distribution, fuel sources, fuel-related infrastructures like gas pipelines, LNG terminals, ports, equipment manufacturers, and EPC contractors. The company also provides non-fund-based financial services, adding value to greenfield and brownfield projects at various stages of growth and development. The company is an India-based Non-Banking Financial company.
77GF Score
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