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Repco Home FinanceNSE:REPCOHOME -0.50%79 ROC (Joel Greenblatt) % is 714.09% as of Mar. 2026, which is 80% below its 10-year median of 3,509.37. GuruFocus rates NSE:REPCOHOME with a GF Score™ of 79/100 and a GF Value™ of ₹502.18 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 46 Banks companies, Repco Home Finance ranks better than 78.26% 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. Repco Home Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 714.09%.
The historical rank and industry rank for Repco Home Finance's ROC (Joel Greenblatt) % or its related term are showing as below:
NSE:REPCOHOME'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 791.95 Med: 3509.37 Max: 13001.06
Current: 799.76
During the past 13 years, Repco Home Finance's highest ROC (Joel Greenblatt) % was 13001.06%. The lowest was 791.95%. And the median was 3509.37%.
NSE:REPCOHOME's ROC (Joel Greenblatt) % is ranked better than 78.26% of 46
companies
in the Banks industry
Industry Median: 63.385
vs NSE:REPCOHOME: 799.76
Repco Home Finance's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was -29.30% per year.
Repco Home Finance (NSE:REPCOHOME) 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.
Repco Home Finance ROC (Joel Greenblatt) % Related Terms
Repco Home Finance ROC (Joel Greenblatt) % Historical Data
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The historical data trend for Repco Home 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:REPCOHOME vs RKT, FNMA, PFSI: ROC (Joel Greenblatt) % Comparison
For the Mortgage Finance subindustry, Repco Home 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.
Repco Home Finance ROC (Joel Greenblatt) % vs Banks Industry
For the Banks industry and Financial Services sector, Repco Home Finance's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Repco Home Finance's ROC (Joel Greenblatt) % falls into.
Repco Home Finance 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 714.09% mean?
Repco Home Finance (NSE:REPCOHOME) has a ROC (Joel Greenblatt) % of 714.09% 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 Repco Home Finance and its competitors. This is 80% below median its historical median of 3,509.37. Over the past decade, Repco Home Finance's ROC (Joel Greenblatt) % has ranged from 791.95 to 13,001.06. According to the industry distribution chart, Repco Home Finance ranks #10 out of 46 companies in the Banks industry, placing it in the top 21.7%.
Is Repco Home Finance's ROC (Joel Greenblatt) % too high?
Repco Home Finance's current ROC (Joel Greenblatt) % of 714.09% is 80% below median its 10-year median of 3,509.37. Over the past 10 years, this metric has ranged from a low of 791.95 to a high of 13,001.06. The Banks industry median ROC (Joel Greenblatt) % is 63.39. Repco Home Finance's value of 714.09% is 1026.6% above this industry median. Based on the distribution chart, Repco Home Finance ranks #10 out of 46 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Repco Home Finance has a GF Score™ of 79/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Repco Home Finance's ROC (Joel Greenblatt) % compare to RKT and FNMA?
According to the Banks industry distribution chart, Repco Home Finance ranks #10 out of 46 companies for ROC (Joel Greenblatt) %. This places Repco Home Finance in the top 22% of its industry — outperforming the majority of peers. The industry median ROC (Joel Greenblatt) % is 63.39. Repco Home Finance's value of 714.09% is 1026.6% above this benchmark. Historically, Repco Home Finance's own ROC (Joel Greenblatt) % has ranged from 791.95 to 13,001.06 over the past decade. While the company's 10-year median is 3,509.37 vs. the industry median of 63.39, Repco Home 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 Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 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. Repco Home Finance's current ROC (Joel Greenblatt) % of 714.09% is 1026.6% 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 Repco Home Finance and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Repco Home Finance's current ROC (Joel Greenblatt) % is 714.09%, which is 80% below median its own 10-year median of 3,509.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Repco Home Finance stock overvalued right now?
Based on GuruFocus' analysis, Repco Home Finance (NSE:REPCOHOME) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹502.18, compared to a current price of ₹385.10 — trading 23.3% below its estimated fair value. The current ROC (Joel Greenblatt) % is 714.09%, which is 80% below median its 10-year median of 3,509.37 and 1026.6% above the Banks industry median of 63.39. Repco Home Finance's overall GF Score™ is 79/100 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 Repco Home Finance (NSE:REPCOHOME), the current ROC (Joel Greenblatt) % is 714.09% 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 Repco Home Finance (NSE:REPCOHOME) Overvalued in 2026?
Based on GuruFocus' analysis, Repco Home Finance stock appears to be undervalued.
The current stock price of ₹385.10 is trading 23.3% below its estimated GF Value™ of ₹502.18.
GuruFocus considers Repco Home Finance to be Modestly Undervalued.
Key valuation signals for NSE:REPCOHOME:
ROC (Joel Greenblatt) %: 714.09% (80% below median its 10-year median of 3,509.37)
GF Value™: ₹502.18 vs. price of ₹385.10 (23.3% below fair value)
Industry Position: 1026.6% above the Banks median (#10 of 46)
No single metric tells the full story. See the NSE:REPCOHOME stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Repco Home Finance Ltd is an India-based company that is engaged in housing finance. The company provides a broad range of individual home loans and loans against property. The company operates in two business segments: Individual Home Loans and Home Equity. The company operates business solely in India, with a retail network of branches and satellite centers expanding across several states.
79GF Score
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