Quara Finance Co (SAU:9596) ROC (Joel Greenblatt) %: 936.85% (As of Mar. 2026) — Near Median

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SAU:9596 Quara Finance Co SAU:9596
13 GF Score
Price ﷼16.90
! 4 Warning Signs
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What is Quara Finance Co ROC (Joel Greenblatt) %?

Quara Finance Co SAU:9596 -0.59% 13 ROC (Joel Greenblatt) % is 936.85% as of Mar. 2026, which is 8% above its 10-year median of 867.90. GuruFocus rates SAU:9596 with a GF Score™ of 13/100. The stock has 4 warning signs investors should review. Among 417 Credit Services companies, Quara Finance Co ranks better than 76.26% 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. Quara Finance Co's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 936.85%.

The historical rank and industry rank for Quara Finance Co's ROC (Joel Greenblatt) % or its related term are showing as below:

SAU:9596' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 232.94   Med: 867.9   Max: 930.7
Current: 387.85

During the past 3 years, Quara Finance Co's highest ROC (Joel Greenblatt) % was 930.70%. The lowest was 232.94%. And the median was 867.90%.

SAU:9596's ROC (Joel Greenblatt) % is ranked better than
76.26% of 417 companies
in the Credit Services industry
Industry Median: 38.19 vs SAU:9596: 387.85

Quara Finance Co's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 0.00% per year.


Quara Finance Co  (SAU:9596) 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.

Joel Greenblatt uses his definition of Return on Capital and Earnings Yield (Joel Greenblatt) % to rank companies.


Quara Finance Co ROC (Joel Greenblatt) % Related Terms


Quara Finance Co ROC (Joel Greenblatt) % Historical Data

* Premium members only.

The historical data trend for Quara Finance Co'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.

Quara Finance Co ROC (Joel Greenblatt) % Chart

Quara Finance Co Annual Data
Trend Dec23 Dec24 Dec25
ROC (Joel Greenblatt) %
867.90 930.70 232.94

Quara Finance Co Quarterly Data
Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROC (Joel Greenblatt) % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 980.16 149.16 595.93 -145.30 936.85

SAU:9596 vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison

For the Credit Services subindustry, Quara Finance Co'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.


Quara Finance Co ROC (Joel Greenblatt) % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Quara Finance Co's ROC (Joel Greenblatt) % distribution charts can be found below:

* The bar in red indicates where Quara Finance Co's ROC (Joel Greenblatt) % falls into.


SAU:9596
13GF Score
Quara Finance Co SAU:9596
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Quara Finance Co 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:

ROC (Joel Greenblatt) %=EBIT/Average of (Net fixed Assets + Net Working Capital)

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.

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 10.452) - (0.323 + 0 + 4.844)
=5.285

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + -0.00099999999997635) - (0 + 0 + 43.205)
=-43.206

When net working capital is negative, 0 is used.

So ROC (Joel Greenblatt) % of Quara Finance Co for the quarter that ended in Mar. 2026 can be restated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=42.964/( ( (2.166 + max(5.285, 0)) + (1.721 + max(-43.206, 0)) )/ 2 )
=42.964/( ( 7.451 + 1.721 )/ 2 )
=42.964/4.586
=936.85 %

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 936.85% mean?
Quara Finance Co (SAU:9596) has a ROC (Joel Greenblatt) % of 936.85% 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 Quara Finance Co and its competitors. This is near median its historical median of 867.90. Over the past decade, Quara Finance Co's ROC (Joel Greenblatt) % has ranged from 232.94 to 930.70. According to the industry distribution chart, Quara Finance Co ranks #99 out of 417 companies in the Credit Services industry, placing it in the top 23.7%.
Is Quara Finance Co's ROC (Joel Greenblatt) % too high?
Quara Finance Co's current ROC (Joel Greenblatt) % of 936.85% is near median its 10-year median of 867.90. Over the past 10 years, this metric has ranged from a low of 232.94 to a high of 930.70. The Credit Services industry median ROC (Joel Greenblatt) % is 38.19. Quara Finance Co's value of 936.85% is 2353.1% above this industry median. Based on the distribution chart, Quara Finance Co ranks #99 out of 417 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Quara Finance Co has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does Quara Finance Co's ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Quara Finance Co ranks #99 out of 417 companies for ROC (Joel Greenblatt) %. This places Quara Finance Co in the top 24% of its industry — outperforming the majority of peers. The industry median ROC (Joel Greenblatt) % is 38.19. Quara Finance Co's value of 936.85% is 2353.1% above this benchmark. Historically, Quara Finance Co's own ROC (Joel Greenblatt) % has ranged from 232.94 to 930.70 over the past decade. While the company's 10-year median is 867.90 vs. the industry median of 38.19, Quara Finance Co 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 38.19, based on 417 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. Quara Finance Co's current ROC (Joel Greenblatt) % of 936.85% is 2353.1% 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 Quara Finance Co and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Quara Finance Co's current ROC (Joel Greenblatt) % is 936.85%, which is near median its own 10-year median of 867.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Quara Finance Co stock overvalued right now?
Quara Finance Co (SAU:9596) has a current ROC (Joel Greenblatt) % of 936.85%. The current ROC (Joel Greenblatt) % is 936.85%, which is near median its 10-year median of 867.90 and 2353.1% above the Credit Services industry median of 38.19. Quara Finance Co's overall GF Score™ is 13/100 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 Quara Finance Co (SAU:9596), the current ROC (Joel Greenblatt) % is 936.85% 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.

Quara Finance Co Business Description

Address 8246, King Abdulaziz Road, Unit Number 15, Al - Wizarat District, Riyadh, SAU, 12622-3797
Quara Finance Co is a company engaged in providing finance lease, consumer finance, and small and medium enterprise finance in the Kingdom of Saudi Arabia. The company's operations are in the Kingdom of Saudi Arabia and it provides financing to Saudi and resident individuals from government and private sectors and to SMEs. Its reportable segments are; Retail (Personal financing) segment which includes personal financing provided to retail clients; and SME financing segment includes financing provided to small and medium enterprises. The company generates a majority of its income from the Retail segment.
13GF Score

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

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