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SBFC FinanceNSE:SBFC +1.83%63 ROC (Joel Greenblatt) % is 1,599.90% as of Mar. 2026, which is 170% above its 10-year median of 591.72. GuruFocus rates NSE:SBFC with a GF Score™ of 63/100 and a GF Value™ of ₹129.07 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 416 Credit Services companies, SBFC Finance ranks better than 91.83% 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. SBFC Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 1,599.90%.
The historical rank and industry rank for SBFC Finance's ROC (Joel Greenblatt) % or its related term are showing as below:
NSE:SBFC'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 276.32 Med: 591.72 Max: 1488.02
Current: 1404.66
During the past 7 years, SBFC Finance's highest ROC (Joel Greenblatt) % was 1488.02%. The lowest was 276.32%. And the median was 591.72%.
NSE:SBFC's ROC (Joel Greenblatt) % is ranked better than 91.83% of 416
companies
in the Credit Services industry
Industry Median: 38.59
vs NSE:SBFC: 1404.66
SBFC Finance's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 39.60% 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.
SBFC Finance ROC (Joel Greenblatt) % Related Terms
SBFC Finance ROC (Joel Greenblatt) % Historical Data
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The historical data trend for SBFC 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:SBFC vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, SBFC 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.
SBFC Finance ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SBFC Finance's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where SBFC 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 (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 1,599.90% mean?
SBFC Finance (NSE:SBFC) has a ROC (Joel Greenblatt) % of 1,599.90% 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 SBFC Finance and its competitors. This is 170% above median its historical median of 591.72. Over the past decade, SBFC Finance's ROC (Joel Greenblatt) % has ranged from 276.32 to 1,488.02. According to the industry distribution chart, SBFC Finance ranks #34 out of 416 companies in the Credit Services industry, placing it in the top 8.2%.
Is SBFC Finance's ROC (Joel Greenblatt) % too high?
SBFC Finance's current ROC (Joel Greenblatt) % of 1,599.90% is 170% above median its 10-year median of 591.72. Over the past 10 years, this metric has ranged from a low of 276.32 to a high of 1,488.02. The Credit Services industry median ROC (Joel Greenblatt) % is 38.59. SBFC Finance's value of 1,599.90% is 4045.9% above this industry median. Based on the distribution chart, SBFC Finance ranks #34 out of 416 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, SBFC Finance has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SBFC Finance's ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, SBFC Finance ranks #34 out of 416 companies for ROC (Joel Greenblatt) %. This places SBFC Finance in the top 8% of its industry — outperforming the majority of peers. The industry median ROC (Joel Greenblatt) % is 38.59. SBFC Finance's value of 1,599.90% is 4045.9% above this benchmark. Historically, SBFC Finance's own ROC (Joel Greenblatt) % has ranged from 276.32 to 1,488.02 over the past decade. While the company's 10-year median is 591.72 vs. the industry median of 38.59, SBFC 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 416 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. SBFC Finance's current ROC (Joel Greenblatt) % of 1,599.90% is 4045.9% 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 SBFC 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. SBFC Finance's current ROC (Joel Greenblatt) % is 1,599.90%, which is 170% above median its own 10-year median of 591.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBFC Finance stock overvalued right now?
Based on GuruFocus' analysis, SBFC Finance (NSE:SBFC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹129.07, compared to a current price of ₹92.18 — trading 28.6% below its estimated fair value. The current ROC (Joel Greenblatt) % is 1,599.90%, which is 170% above median its 10-year median of 591.72 and 4045.9% above the Credit Services industry median of 38.59. SBFC Finance's overall GF Score™ is 63/100 with 3 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 SBFC Finance (NSE:SBFC), the current ROC (Joel Greenblatt) % is 1,599.90% 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 SBFC Finance (NSE:SBFC) Overvalued in 2026?
Based on GuruFocus' analysis, SBFC Finance stock appears to be undervalued.
The current stock price of ₹92.18 is trading 28.6% below its estimated GF Value™ of ₹129.07.
GuruFocus considers SBFC Finance to be Modestly Undervalued.
Key valuation signals for NSE:SBFC:
ROC (Joel Greenblatt) %: 1,599.90% (170% above median its 10-year median of 591.72)
GF Value™: ₹129.07 vs. price of ₹92.18 (28.6% below fair value)
Industry Position: 4045.9% above the Credit Services median (#34 of 416)
No single metric tells the full story. See the NSE:SBFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SBFC Finance Ltd is a systemically important, non-deposit-taking non-banking finance company offering Secured MSME Loans and Loans against Gold, with a majority of its borrowers being entrepreneurs, small business owners, self-employed individuals, salaried and working-class individuals. It has developed a PhyGital model which uses technology and authentic in-person service to create loans that support the ambitions of its customers. The company engages directly with small business owners and works through loan applications together, in person, at the customer's pace. The company generates the majority of its revenue from Interest Income.
63GF Score
Get the complete analysis for NSE:SBFC
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