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SAB Finance ASXPRA:SABFG +0.94%64 ROC (Joel Greenblatt) % is 76.66% as of Dec. 2025, which is 78% below its 10-year median of 341.17. GuruFocus rates XPRA:SABFG with a GF Score™ of 64/100 and a GF Value™ of Kč993.81 (Fairly Valued). The stock has 7 warning signs investors should review. Among 680 Capital Markets companies, SAB Finance AS ranks better than 69.85% 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. SAB Finance AS's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was 76.66%.
The historical rank and industry rank for SAB Finance AS's ROC (Joel Greenblatt) % or its related term are showing as below:
XPRA:SABFG'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 166.42 Med: 341.17 Max: 387.86
Current: 166.42
During the past 9 years, SAB Finance AS's highest ROC (Joel Greenblatt) % was 387.86%. The lowest was 166.42%. And the median was 341.17%.
XPRA:SABFG's ROC (Joel Greenblatt) % is ranked better than 69.85% of 680
companies
in the Capital Markets industry
Industry Median: 34.285
vs XPRA:SABFG: 166.42
SAB Finance AS's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was -5.80% per year.
SAB Finance AS (XPRA:SABFG) 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.
SAB Finance AS ROC (Joel Greenblatt) % Related Terms
SAB Finance AS ROC (Joel Greenblatt) % Historical Data
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The historical data trend for SAB Finance AS'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.
XPRA:SABFG vs MS, GS, SCHW: ROC (Joel Greenblatt) % Comparison
For the Capital Markets subindustry, SAB Finance AS'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.
SAB Finance AS ROC (Joel Greenblatt) % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, SAB Finance AS's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where SAB Finance AS's ROC (Joel Greenblatt) % falls into.
SAB Finance AS 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 two times the semi-annual (Dec. 2025) 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 76.66% mean?
SAB Finance AS (XPRA:SABFG) has a ROC (Joel Greenblatt) % of 76.66% as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on SAB Finance AS and its competitors. This is 78% below median its historical median of 341.17. Over the past decade, SAB Finance AS's ROC (Joel Greenblatt) % has ranged from 166.42 to 387.86. According to the industry distribution chart, SAB Finance AS ranks #205 out of 680 companies in the Capital Markets industry, placing it in the top 30.1%.
Is SAB Finance AS's ROC (Joel Greenblatt) % too high?
SAB Finance AS's current ROC (Joel Greenblatt) % of 76.66% is 78% below median its 10-year median of 341.17. Over the past 10 years, this metric has ranged from a low of 166.42 to a high of 387.86. The Capital Markets industry median ROC (Joel Greenblatt) % is 34.29. SAB Finance AS's value of 76.66% is 123.6% above this industry median. Based on the distribution chart, SAB Finance AS ranks #205 out of 680 companies in the Capital Markets industry, which is above the industry midpoint. Overall, SAB Finance AS has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SAB Finance AS's ROC (Joel Greenblatt) % compare to MS and GS?
According to the Capital Markets industry distribution chart, SAB Finance AS ranks #205 out of 680 companies for ROC (Joel Greenblatt) %. This puts SAB Finance AS in the upper half of its industry. The industry median ROC (Joel Greenblatt) % is 34.29. SAB Finance AS's value of 76.66% is 123.6% above this benchmark. Historically, SAB Finance AS's own ROC (Joel Greenblatt) % has ranged from 166.42 to 387.86 over the past decade. While the company's 10-year median is 341.17 vs. the industry median of 34.29, SAB Finance AS 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 Capital Markets company?
The median ROC (Joel Greenblatt) % among Capital Markets companies is 34.29, based on 680 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. SAB Finance AS's current ROC (Joel Greenblatt) % of 76.66% is 123.6% 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 SAB Finance AS and its competitors. For the Capital Markets industry, the median ROC (Joel Greenblatt) % is 34.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SAB Finance AS's current ROC (Joel Greenblatt) % is 76.66%, which is 78% below median its own 10-year median of 341.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SAB Finance AS stock overvalued right now?
Based on GuruFocus' analysis, SAB Finance AS (XPRA:SABFG) is currently considered Fairly Valued. The stock's GF Value™ is Kč993.81, compared to a current price of Kč1,070.00 — trading 7.7% above its estimated fair value. The current ROC (Joel Greenblatt) % is 76.66%, which is 78% below median its 10-year median of 341.17 and 123.6% above the Capital Markets industry median of 34.29. SAB Finance AS's overall GF Score™ is 64/100 with 7 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 SAB Finance AS (XPRA:SABFG), the current ROC (Joel Greenblatt) % is 76.66% as of Dec. 2025. 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 SAB Finance AS (XPRA:SABFG) Overvalued in 2026?
Based on GuruFocus' analysis, SAB Finance AS stock appears to be overvalued.
The current stock price of Kč1,070.00 is trading 7.7% above its estimated GF Value™ of Kč993.81.
GuruFocus considers SAB Finance AS to be Fairly Valued.
Key valuation signals for XPRA:SABFG:
ROC (Joel Greenblatt) %: 76.66% (78% below median its 10-year median of 341.17)
GF Value™: Kč993.81 vs. price of Kč1,070.00 (7.7% above fair value)
Industry Position: 123.6% above the Capital Markets median (#205 of 680)
No single metric tells the full story. See the XPRA:SABFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SAB Finance AS is engaged in providing International Payment Solutions considering the foreign exchange fluctuations. Its platform allows to make outgoing payments and receive incoming payments. Some of the services offered by the company include Market Watch, Foreign Currency Analysis, Regular Payments, and Multi-Payments.
64GF Score
Get the complete analysis for XPRA:SABFG
ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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