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ELANA Agrocredit AD SofiaXBUL:EAC 31 ROC (Joel Greenblatt) % is 21.42% as of Jun. 2026, which is 53% below its 10-year median of 45.87. GuruFocus rates XBUL:EAC with a GF Score™ of 31/100 and a GF Value™ of €0.64 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 419 Credit Services companies, ELANA Agrocredit AD Sofia ranks worse than 51.07% 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. ELANA Agrocredit AD Sofia's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was 21.42%.
The historical rank and industry rank for ELANA Agrocredit AD Sofia's ROC (Joel Greenblatt) % or its related term are showing as below:
XBUL:EAC'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 32.21 Med: 45.87 Max: 57.64
Current: 32.21
During the past 13 years, ELANA Agrocredit AD Sofia's highest ROC (Joel Greenblatt) % was 57.64%. The lowest was 32.21%. And the median was 45.87%.
XBUL:EAC's ROC (Joel Greenblatt) % is ranked worse than 51.07% of 419
companies
in the Credit Services industry
Industry Median: 35.73
vs XBUL:EAC: 32.21
ELANA Agrocredit AD Sofia's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was -5.90% per year.
ELANA Agrocredit AD Sofia (XBUL:EAC) 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.
ELANA Agrocredit AD Sofia ROC (Joel Greenblatt) % Related Terms
ELANA Agrocredit AD Sofia ROC (Joel Greenblatt) % Historical Data
* Premium members only.
The historical data trend for ELANA Agrocredit AD Sofia'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.
ELANA Agrocredit AD Sofia ROC (Joel Greenblatt) % Chart
XBUL:EAC vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, ELANA Agrocredit AD Sofia'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.
ELANA Agrocredit AD Sofia ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ELANA Agrocredit AD Sofia's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where ELANA Agrocredit AD Sofia's ROC (Joel Greenblatt) % falls into.
ELANA Agrocredit AD Sofia 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 (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 21.42% mean?
ELANA Agrocredit AD Sofia (XBUL:EAC) has a ROC (Joel Greenblatt) % of 21.42% 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 ELANA Agrocredit AD Sofia and its competitors. This is 53% below median its historical median of 45.87. Over the past decade, ELANA Agrocredit AD Sofia's ROC (Joel Greenblatt) % has ranged from 32.21 to 57.64. According to the industry distribution chart, ELANA Agrocredit AD Sofia ranks #214 out of 419 companies in the Credit Services industry, placing it in the top 51.1%.
Is ELANA Agrocredit AD Sofia's ROC (Joel Greenblatt) % too high?
ELANA Agrocredit AD Sofia's current ROC (Joel Greenblatt) % of 21.42% is 53% below median its 10-year median of 45.87. Over the past 10 years, this metric has ranged from a low of 32.21 to a high of 57.64. The Credit Services industry median ROC (Joel Greenblatt) % is 35.73. ELANA Agrocredit AD Sofia's value of 21.42% is 40.1% below this industry median. Based on the distribution chart, ELANA Agrocredit AD Sofia ranks #214 out of 419 companies in the Credit Services industry, which is below the industry midpoint. Overall, ELANA Agrocredit AD Sofia has a GF Score™ of 31/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ELANA Agrocredit AD Sofia's ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, ELANA Agrocredit AD Sofia ranks #214 out of 419 companies for ROC (Joel Greenblatt) %. This places ELANA Agrocredit AD Sofia in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 35.73. ELANA Agrocredit AD Sofia's value of 21.42% is 40.1% below this benchmark. Historically, ELANA Agrocredit AD Sofia's own ROC (Joel Greenblatt) % has ranged from 32.21 to 57.64 over the past decade. While the company's 10-year median is 45.87 vs. the industry median of 35.73, ELANA Agrocredit AD Sofia 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 Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 35.73, based on 419 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. ELANA Agrocredit AD Sofia's current ROC (Joel Greenblatt) % of 21.42% is 40.1% 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 ELANA Agrocredit AD Sofia and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 35.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ELANA Agrocredit AD Sofia's current ROC (Joel Greenblatt) % is 21.42%, which is 53% below median its own 10-year median of 45.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ELANA Agrocredit AD Sofia stock overvalued right now?
Based on GuruFocus' analysis, ELANA Agrocredit AD Sofia (XBUL:EAC) is currently considered Modestly Undervalued. The stock's GF Value™ is €0.64, compared to a current price of €0.53 — trading 17.2% below its estimated fair value. The current ROC (Joel Greenblatt) % is 21.42%, which is 53% below median its 10-year median of 45.87 and 40.1% below the Credit Services industry median of 35.73. ELANA Agrocredit AD Sofia's overall GF Score™ is 31/100 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 ELANA Agrocredit AD Sofia (XBUL:EAC), the current ROC (Joel Greenblatt) % is 21.42% 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.
Is ELANA Agrocredit AD Sofia (XBUL:EAC) Overvalued in 2026?
Based on GuruFocus' analysis, ELANA Agrocredit AD Sofia stock appears to be undervalued.
The current stock price of €0.53 is trading 17.2% below its estimated GF Value™ of €0.64.
GuruFocus considers ELANA Agrocredit AD Sofia to be Modestly Undervalued.
Key valuation signals for XBUL:EAC:
ROC (Joel Greenblatt) %: 21.42% (53% below median its 10-year median of 45.87)
GF Value™: €0.64 vs. price of €0.53 (17.2% below fair value)
Industry Position: 40.1% below the Credit Services median (#214 of 419)
No single metric tells the full story. See the XBUL:EAC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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