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Piramal FinanceNSE:PIRAMALFIN +0.76%14 ROC (Joel Greenblatt) % is 549.85% as of Jun. 2026, which is 228% above its 10-year median of 167.51. GuruFocus rates NSE:PIRAMALFIN with a GF Score™ of 14/100. The stock has 5 warning signs investors should review. Among 414 Credit Services companies, Piramal Finance ranks better than 60.63% 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. Piramal Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was 549.85%.
The historical rank and industry rank for Piramal Finance's ROC (Joel Greenblatt) % or its related term are showing as below:
NSE:PIRAMALFIN'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: -244844.8 Med: 167.51 Max: 18727.84
Current: 219.3
During the past 5 years, Piramal Finance's highest ROC (Joel Greenblatt) % was 18727.84%. The lowest was -244844.80%. And the median was 167.51%.
NSE:PIRAMALFIN's ROC (Joel Greenblatt) % is ranked better than 60.63% of 414
companies
in the Credit Services industry
Industry Median: 38.59
vs NSE:PIRAMALFIN: 219.30
Piramal Finance'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.
Piramal Finance ROC (Joel Greenblatt) % Related Terms
Piramal Finance ROC (Joel Greenblatt) % Historical Data
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The historical data trend for Piramal Finance'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:PIRAMALFIN vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, Piramal Finance'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.
Piramal Finance ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Piramal Finance's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Piramal Finance'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 549.85% mean?
Piramal Finance (NSE:PIRAMALFIN) has a ROC (Joel Greenblatt) % of 549.85% 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 Piramal Finance and its competitors. This is 228% above median its historical median of 167.51. According to the industry distribution chart, Piramal Finance ranks #163 out of 414 companies in the Credit Services industry, placing it in the top 39.4%.
Is Piramal Finance's ROC (Joel Greenblatt) % too high?
Piramal Finance's current ROC (Joel Greenblatt) % of 549.85% is 228% above median its 10-year median of 167.51. The Credit Services industry median ROC (Joel Greenblatt) % is 38.59. Piramal Finance's value of 549.85% is 1324.9% above this industry median. Based on the distribution chart, Piramal Finance ranks #163 out of 414 companies in the Credit Services industry, which is above the industry midpoint. Overall, Piramal Finance has a GF Score™ of 14/100, reflecting its overall financial health beyond just this single metric.
How does Piramal Finance's ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Piramal Finance ranks #163 out of 414 companies for ROC (Joel Greenblatt) %. This puts Piramal Finance in the upper half of its industry. The industry median ROC (Joel Greenblatt) % is 38.59. Piramal Finance's value of 549.85% is 1324.9% above this benchmark. While the company's 10-year median is 167.51 vs. the industry median of 38.59, Piramal Finance 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 38.59, based on 414 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. Piramal Finance's current ROC (Joel Greenblatt) % of 549.85% is 1324.9% 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 Piramal Finance and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Piramal Finance's current ROC (Joel Greenblatt) % is 549.85%, which is 228% above median its own 10-year median of 167.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Piramal Finance stock overvalued right now?
Piramal Finance (NSE:PIRAMALFIN) has a current ROC (Joel Greenblatt) % of 549.85%. The current ROC (Joel Greenblatt) % is 549.85%, which is 228% above median its 10-year median of 167.51 and 1324.9% above the Credit Services industry median of 38.59. Piramal Finance's overall GF Score™ is 14/100 with 5 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 Piramal Finance (NSE:PIRAMALFIN), the current ROC (Joel Greenblatt) % is 549.85% 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.
Piramal Finance Ltd main business is providing loans to customers for construction or purchase of residential property, loans against property, loans to real estate developers, loans to SMEs, Consumption loans, etc. Its loan products are Home Loan, Construction Loan, Renovation Loan, Extension Loan, Business Loans, Loan Against Property, Small Business Loan, Working Capital Loan, Personal Loan, Used Car Loan, Group Loan, Loan Against Securities, Loan Against Car, Insurance Services, Interest Rates & Disclosures, Wholesale Lending, Alternatives, etc. The company's business segments are Retail Lending, Wholesale Lending, Alternatives, and Life Insurance. The Company has identified only one reportable business segment & geographical segment as it deals mainly in lending business within India.
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