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10-Year Return on Invested Incremental Capital (10-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 10-year.
Sonal Mercantile's 10-Year ROIIC % for the quarter that ended in Mar. 2026 was 1.69%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Sonal Mercantile's 10-Year ROIIC % or its related term are showing as below:
NSE:SONAL's 10-Year ROIIC % is ranked worse than 56.16% of 349
companies
in the Credit Services industry
Industry Median: 2.77
vs NSE:SONAL: 1.69
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Sonal Mercantile 10-Year ROIIC % Related Terms
Sonal Mercantile 10-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Sonal Mercantile's 10-Year ROIIC % 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.
For the Credit Services subindustry, Sonal Mercantile's 10-Year ROIIC %, along with its competitors' market caps and 10-Year ROIIC % 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.
Sonal Mercantile 10-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sonal Mercantile's 10-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Sonal Mercantile's 10-Year ROIIC % falls into.
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 10-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Sonal Mercantile (NSE:SONAL) has a 10-Year ROIIC % of 1.69 as of Mar. 2026. 10-Year ROIIC % measures the change in earnings as a percentage of change in investment over 10-year. View historical data on Sonal Mercantile and its competitors. According to the industry distribution chart, Sonal Mercantile ranks #196 out of 349 companies in the Credit Services industry, placing it in the top 56.2%.
Is Sonal Mercantile's 10-Year ROIIC % too high?
Sonal Mercantile's current 10-Year ROIIC % is 1.69. The Credit Services industry median 10-Year ROIIC % is 2.77. Sonal Mercantile's value of 1.69 is 39% below this industry median. Based on the distribution chart, Sonal Mercantile ranks #196 out of 349 companies in the Credit Services industry, which is below the industry midpoint. Overall, Sonal Mercantile has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Sonal Mercantile's 10-Year ROIIC % compare to ?
According to the Credit Services industry distribution chart, Sonal Mercantile ranks #196 out of 349 companies for 10-Year ROIIC %. This places Sonal Mercantile in the lower half of its industry. The industry median 10-Year ROIIC % is 2.77. Sonal Mercantile's value of 1.69 is 39% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year ROIIC % for a Credit Services company?
The median 10-Year ROIIC % among Credit Services companies is 2.77, based on 349 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sonal Mercantile's current 10-Year ROIIC % of 1.69 is 39% 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 10-Year ROIIC % mean?
A high 10-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 10-Year ROIIC % measures the change in earnings as a percentage of change in investment over 10-year. View historical data on Sonal Mercantile and its competitors. For the Credit Services industry, the median 10-Year ROIIC % is 2.77 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sonal Mercantile's current 10-Year ROIIC % is 1.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sonal Mercantile stock overvalued right now?
Based on GuruFocus' analysis, Sonal Mercantile (NSE:SONAL) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹112.61, compared to a current price of ₹90.46 — trading 19.7% below its estimated fair value. The current 10-Year ROIIC % is 1.69 and 39% below the Credit Services industry median of 2.77. Sonal Mercantile's overall GF Score™ is 66/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 10-Year ROIIC % calculated?
10-Year ROIIC % is calculated from a company's financial statements. For Sonal Mercantile (NSE:SONAL), the current 10-Year ROIIC % is 1.69 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 Sonal Mercantile (NSE:SONAL) Overvalued in 2026?
Based on GuruFocus' analysis, Sonal Mercantile stock appears to be undervalued.
The current stock price of ₹90.46 is trading 19.7% below its estimated GF Value™ of ₹112.61.
GuruFocus considers Sonal Mercantile to be Modestly Undervalued.
Key valuation signals for NSE:SONAL:
10-Year ROIIC %: 1.69
GF Value™: ₹112.61 vs. price of ₹90.46 (19.7% below fair value)
Industry Position: 39% below the Credit Services median (#196 of 349)
No single metric tells the full story. See the NSE:SONAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sonal Mercantile Ltd is an India-based non-banking financial company. It is engaged in providing secured and unsecured loans and advances and is also involved in investing in quoted and unquoted securities in the stock and commodity markets. The company offers inter-corporate loans, personal loans, long-term and short-term loans, Trade financing, Bills Discounting, Project Appraisal, Loans against Guarantees, and Properties.
66GF Score
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