Unifinz Capital India (BOM:541358) ROCE %: 74.86% (As of Mar. 2026)

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BOM:541358 Unifinz Capital India Ltd BOM:541358
84 GF Score
Price ₹121.00
GF Value ₹190.23
Valuation Possible Value Trap
! 3 Warning Signs
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What is Unifinz Capital India ROCE %?

Unifinz Capital India BOM:541358 -4.72% 84 ROCE % is 74.86% as of Mar. 2026. GuruFocus rates BOM:541358 with a GF Score™ of 84/100 and a GF Value™ of ₹190.23 (Possible Value Trap). The stock has 3 warning signs investors should review.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Unifinz Capital India's annualized ROCE % for the quarter that ended in Mar. 2026 was 74.86%.

Unifinz Capital India  (BOM:541358) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Unifinz Capital India ROCE % Related Terms

Unifinz Capital India ROCE % Historical Data

* Premium members only.

The historical data trend for Unifinz Capital India's ROCE % 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.

Unifinz Capital India ROCE % Chart

Unifinz Capital India Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
ROCE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 20.56 -7.84 48.56 45.78 43.74

Unifinz Capital India Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROCE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 63.16 174.00 122.72 145.38 74.86
BOM:541358
84GF Score
Unifinz Capital India Ltd BOM:541358
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Unifinz Capital India ROCE % Calculation

Unifinz Capital India's annualized ROCE % for the fiscal year that ended in Mar. 2026 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Mar. 2026 )  (A: Mar. 2025 )(A: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Mar. 2026 )  (A: Mar. 2025 )(A: Mar. 2026 )
=1216.948/( ( (1249.71 - 125.629) + (4792.835 - 352.928) )/ 2 )
=1216.948/( (1124.081+4439.907)/ 2 )
=1216.948/2781.994
=43.74 %

Unifinz Capital India's ROCE % of for the quarter that ended in Mar. 2026 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=3323.836/( ( (0 - 0) + (4792.835 - 352.928) )/ 1 )
=3323.836/( ( 0 + 4439.907 )/ 1 )
=3323.836/4439.907
=74.86 %

(1) 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.

Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of 74.86% mean?
Unifinz Capital India (BOM:541358) has a ROCE % of 74.86% as of Mar. 2026.
Is Unifinz Capital India's ROCE % too high?
Unifinz Capital India's current ROCE % is 74.86%. The Credit Services industry median ROCE % is 3.53. Unifinz Capital India's value of 74.86% is 2020.7% above this industry median. Overall, Unifinz Capital India has a GF Score™ of 84/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Unifinz Capital India's ROCE % compare to V and MA?
Unifinz Capital India's ROCE % of 74.86% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.53. Unifinz Capital India's value of 74.86% is 2020.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Credit Services company?
The median ROCE % among Credit Services companies is 3.53, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unifinz Capital India's current ROCE % of 74.86% is 2020.7% 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unifinz Capital India's current ROCE % is 74.86%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Unifinz Capital India stock overvalued right now?
Based on GuruFocus' analysis, Unifinz Capital India (BOM:541358) is currently considered Possible Value Trap. The stock's GF Value™ is ₹190.23, compared to a current price of ₹121.00 — trading 36.4% below its estimated fair value. The current ROCE % is 74.86% and 2020.7% above the Credit Services industry median of 3.53. Unifinz Capital India's overall GF Score™ is 84/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Unifinz Capital India (BOM:541358), the current ROCE % is 74.86% 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 Unifinz Capital India (BOM:541358) Overvalued in 2026?

Based on GuruFocus' analysis, Unifinz Capital India stock appears to be undervalued. The current stock price of ₹121.00 is trading 36.4% below its estimated GF Value™ of ₹190.23. GuruFocus considers Unifinz Capital India to be Possible Value Trap.

Key valuation signals for BOM:541358:

  • ROCE %: 74.86%
  • GF Value™: ₹190.23 vs. price of ₹121.00 (36.4% below fair value)
  • GF Score™: 84/100 with 3 warning signs
  • Industry Position: 2020.7% above the Credit Services median

No single metric tells the full story. See the BOM:541358 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Unifinz Capital India Business Description

Address 24, Nehru Place, 5th Floor, Rajlok Building, New Delhi, IND, 110019
Unifinz Capital India Ltd is a Non-Banking Financial Institution. It offers unsecured personal loans under the brand name lendingplate to individuals spread across various cities in India. The company addresses the financial requirements of under-banked and unbanked populations who remain unserved or underserved by traditional banking systems. Its focus is on financing these segments: vehicles, MSMEs, and mortgage loans.
84GF Score

Get the complete analysis for BOM:541358

ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹121.00
Price
₹190.23
GF Value