General Capital (NZSE:GEN) ROCE %: 7.39% (As of Mar. 2026)

What is General Capital ROCE %?

General Capital NZSE:GEN +1.92% 42 ROCE % is 7.39% as of Mar. 2026. GuruFocus rates NZSE:GEN with a GF Score™ of 42/100 and a GF Value™ of NZ$0.97 (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. General Capital's annualized ROCE % for the quarter that ended in Mar. 2026 was 7.39%.

General Capital (NZSE:GEN) 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.

General Capital ROCE % Related Terms

General Capital ROCE % Historical Data

* Premium members only.

The historical data trend for General Capital'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.

General Capital ROCE % Chart

General Capital Annual Data

Trend

Mar17

Mar18

Mar19

Mar20

Mar21

Mar22

Mar23

Mar24

Mar25

Mar26

ROCE %

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6.62

7.25

6.85

8.29

7.76

General Capital Semi-Annual Data
	Sep16	Mar17	Sep17	Mar18	Sep18	Mar19	Sep19	Mar20	Sep20	Mar21	Sep21	Mar22	Sep22	Mar23	Sep23	Mar24	Sep24	Mar25	Sep25	Mar26
ROCE %	Get a 7-Day Free Trial															8.64	8.73	7.97	7.45	7.39

42GF Score

General Capital Ltd NZSE:GEN

ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.

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General Capital ROCE % Calculation

General Capital'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 )
	=	19.173	/	( ( (218.184 - 4.047)	+	(283.729 - 3.963) )	/ 2 )
	=	19.173	/	( (214.137	+	279.766)	/ 2 )
	=	19.173	/	246.9515
	=	7.76 %

General Capital'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: Sep. 2025 )		(Q: Mar. 2026 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(Q: Mar. 2026 )		(Q: Sep. 2025 )		(Q: Mar. 2026 )
	=	20.308	/	( ( (275.776 - 5.89)	+	(283.729 - 3.963) )	/ 2 )
	=	20.308	/	( ( 269.886	+	279.766 )	/ 2 )
	=	20.308	/	274.826
	=	7.39 %

(1) Note: The EBIT data used here is two times the semi-annual (Mar. 2026) EBIT data.

Frequently Asked Questions Learn more about ROCE % →

What does a ROCE % of 7.39% mean?

General Capital (NZSE:GEN) has a ROCE % of 7.39% as of Mar. 2026.

Is General Capital's ROCE % too high?

General Capital's current ROCE % is 7.39%. The Banks industry median ROCE % is 3.20. General Capital's value of 7.39% is 130.9% above this industry median. Overall, General Capital has a GF Score™ of 42/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.

How does General Capital's ROCE % compare to RKT and FNMA?

General Capital's ROCE % of 7.39% can be compared against companies in the Banks industry. The industry median ROCE % is 3.20. General Capital's value of 7.39% is 130.9% 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 Banks company?

The median ROCE % among Banks companies is 3.20, based on 48 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. General Capital's current ROCE % of 7.39% is 130.9% 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 Banks industry, the median ROCE % is 3.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. General Capital's current ROCE % is 7.39%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is General Capital stock overvalued right now?

Based on GuruFocus' analysis, General Capital (NZSE:GEN) is currently considered Possible Value Trap. The stock's GF Value™ is NZ$0.97, compared to a current price of NZ$0.27 — trading 72.7% below its estimated fair value. The current ROCE % is 7.39% and 130.9% above the Banks industry median of 3.20. General Capital's overall GF Score™ is 42/100 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 General Capital (NZSE:GEN), the current ROCE % is 7.39% 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 General Capital (NZSE:GEN) Overvalued in 2026?

Based on GuruFocus' analysis, General Capital stock appears to be undervalued. The current stock price of NZ$0.27 is trading 72.7% below its estimated GF Value™ of NZ$0.97. GuruFocus considers General Capital to be Possible Value Trap.

Key valuation signals for NZSE:GEN:

ROCE %: 7.39%
GF Value™: NZ$0.97 vs. price of NZ$0.27 (72.7% below fair value)
GF Score™: 42/100 with 3 warning signs
Industry Position: 130.9% above the Banks median

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

General Capital Business Description

Industry Financial Services Banks

Comparable Companies RKT FNMA NSE:BAJAJHFL PFSI FMCC NSE:LICHSGFIN NSE:PNBHOUSING LSE:OSB NSE:AADHARHFC BOM:535789 LSE:PAG WD BOM:543335 BOM:543259 BOM:511196 BOM:541988 UWMC BOM:544044 TSX:MKP LDI

Address 115 Queen Street, Level 8, General Capital House, Auckland, NTL, NZL, 1010

Website https://www.gencap.co.nz

General Capital Ltd through its subsidiaries engaged in providing financial services. The company accepts deposits and also lends funds to borrowers over residential property. It operates through three segments: Finance: Deposit taking and property mortgage lending, and insurance premium funding, Research and Advisory: Provides investment advisory services and produces and sells investment research and publications. Corporate and Other: Corporate function and investment activities. The Finance segment generates the majority of revenue for the company.

42GF Score

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

NZ$0.27

Price

NZ$0.97

GF Value

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