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SBI AruhiTSE:7198 +0.37%66 ROC (Joel Greenblatt) % is 19.90% as of Mar. 2026, which is 89% below its 10-year median of 178.99. GuruFocus rates TSE:7198 with a GF Score™ of 66/100 and a GF Value™ of 円900.77 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 46 Banks companies, SBI Aruhi ranks worse than 63.04% 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. SBI Aruhi's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 19.90%.
The historical rank and industry rank for SBI Aruhi's ROC (Joel Greenblatt) % or its related term are showing as below:
TSE:7198'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 17.67 Med: 178.99 Max: 970.81
Current: 23.67
During the past 11 years, SBI Aruhi's highest ROC (Joel Greenblatt) % was 970.81%. The lowest was 17.67%. And the median was 178.99%.
TSE:7198's ROC (Joel Greenblatt) % is ranked worse than 63.04% of 46
companies
in the Banks industry
Industry Median: 63.385
vs TSE:7198: 23.67
SBI Aruhi's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was -57.10% 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.
The historical data trend for SBI Aruhi'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.
TSE:7198 vs RKT, FNMA, PFSI: ROC (Joel Greenblatt) % Comparison
For the Mortgage Finance subindustry, SBI Aruhi'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.
SBI Aruhi ROC (Joel Greenblatt) % vs Banks Industry
For the Banks industry and Financial Services sector, SBI Aruhi's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where SBI Aruhi'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 19.90% mean?
SBI Aruhi (TSE:7198) has a ROC (Joel Greenblatt) % of 19.90% 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 SBI Aruhi and its competitors. This is 89% below median its historical median of 178.99. Over the past decade, SBI Aruhi's ROC (Joel Greenblatt) % has ranged from 17.67 to 970.81. According to the industry distribution chart, SBI Aruhi ranks #29 out of 46 companies in the Banks industry, placing it in the top 63%.
Is SBI Aruhi's ROC (Joel Greenblatt) % too high?
SBI Aruhi's current ROC (Joel Greenblatt) % of 19.90% is 89% below median its 10-year median of 178.99. Over the past 10 years, this metric has ranged from a low of 17.67 to a high of 970.81. The Banks industry median ROC (Joel Greenblatt) % is 63.39. SBI Aruhi's value of 19.90% is 68.6% below this industry median. Based on the distribution chart, SBI Aruhi ranks #29 out of 46 companies in the Banks industry, which is below the industry midpoint. Overall, SBI Aruhi has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SBI Aruhi's ROC (Joel Greenblatt) % compare to RKT and FNMA?
According to the Banks industry distribution chart, SBI Aruhi ranks #29 out of 46 companies for ROC (Joel Greenblatt) %. This places SBI Aruhi in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. SBI Aruhi's value of 19.90% is 68.6% below this benchmark. Historically, SBI Aruhi's own ROC (Joel Greenblatt) % has ranged from 17.67 to 970.81 over the past decade. While the company's 10-year median is 178.99 vs. the industry median of 63.39, SBI Aruhi has consistently been below 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. SBI Aruhi's current ROC (Joel Greenblatt) % of 19.90% is 68.6% below 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 SBI Aruhi 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. SBI Aruhi's current ROC (Joel Greenblatt) % is 19.90%, which is 89% below median its own 10-year median of 178.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBI Aruhi stock overvalued right now?
Based on GuruFocus' analysis, SBI Aruhi (TSE:7198) is currently considered Modestly Undervalued. The stock's GF Value™ is 円900.77, compared to a current price of 円804.00 — trading 10.7% below its estimated fair value. The current ROC (Joel Greenblatt) % is 19.90%, which is 89% below median its 10-year median of 178.99 and 68.6% below the Banks industry median of 63.39. SBI Aruhi's overall GF Score™ is 66/100 with 9 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 SBI Aruhi (TSE:7198), the current ROC (Joel Greenblatt) % is 19.90% 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 SBI Aruhi (TSE:7198) Overvalued in 2026?
Based on GuruFocus' analysis, SBI Aruhi stock appears to be undervalued.
The current stock price of 円804.00 is trading 10.7% below its estimated GF Value™ of 円900.77.
GuruFocus considers SBI Aruhi to be Modestly Undervalued.
Key valuation signals for TSE:7198:
ROC (Joel Greenblatt) %: 19.90% (89% below median its 10-year median of 178.99)
GF Value™: 円900.77 vs. price of 円804.00 (10.7% below fair value)
Industry Position: 68.6% below the Banks median (#29 of 46)
No single metric tells the full story. See the TSE:7198 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SBI Aruhi Corp is a Japan-based mortgage specialist financial institution. The company provides insurance brokerage, mortgage lending, bank agency and other services.
66GF Score
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