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TCI FinanceBOM:501242 +0.85%29 3-Year ROIIC % is -0.33 as of Mar. 2026. GuruFocus rates BOM:501242 with a GF Score™ of 29/100. The stock has 1 warning sign investors should review. Among 395 Credit Services companies, TCI Finance ranks worse than 65.57% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
TCI Finance's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was -0.33%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for TCI Finance's 3-Year ROIIC % or its related term are showing as below:
BOM:501242's 3-Year ROIIC % is ranked worse than 65.57% of 395
companies
in the Credit Services industry
Industry Median: 2.9
vs BOM:501242: -0.33
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.
TCI Finance 3-Year ROIIC % Related Terms
TCI Finance 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for TCI Finance's 3-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.
BOM:501242 vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, TCI Finance's 3-Year ROIIC %, along with its competitors' market caps and 3-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.
TCI Finance 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, TCI Finance's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where TCI Finance's 3-Year ROIIC % falls into.
TCI Finance's 3-Year ROIIC % for the quarter that ended in Mar. 2026 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( -22.672 (Mar. 2026) - -24.015 (Mar. 2023) )
/
( 67.402 (Mar. 2026) - 475.85 (Mar. 2023) )
=
1.343
/
-408.448
=
-0.33%***
* 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 3-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.
TCI Finance (BOM:501242) has a 3-Year ROIIC % of -0.33 as of Mar. 2026. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on TCI Finance and its competitors. According to the industry distribution chart, TCI Finance ranks #259 out of 395 companies in the Credit Services industry, placing it in the top 65.6%.
Is TCI Finance's 3-Year ROIIC % too high?
TCI Finance's current 3-Year ROIIC % is -0.33. Based on the distribution chart, TCI Finance ranks #259 out of 395 companies in the Credit Services industry, which is below the industry midpoint. Overall, TCI Finance has a GF Score™ of 29/100, reflecting its overall financial health beyond just this single metric.
How does TCI Finance's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, TCI Finance ranks #259 out of 395 companies for 3-Year ROIIC %. This places TCI Finance in the lower half of its industry. The industry median 3-Year ROIIC % is 2.90. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.90, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on TCI Finance and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TCI Finance's current 3-Year ROIIC % is -0.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TCI Finance stock overvalued right now?
TCI Finance (BOM:501242) has a current 3-Year ROIIC % of -0.33. The current 3-Year ROIIC % is -0.33. TCI Finance's overall GF Score™ is 29/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For TCI Finance (BOM:501242), the current 3-Year ROIIC % is -0.33 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.
TCI Finance Ltd is engaged in providing financial services. It is a non-banking financial company. The company provides various services like the loan against securities, commercial vehicle finance, patents trademark and copyright, Global Intellectual Property Convention, and other financial services. It generates majority revenue in the form of interest.
29GF Score
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