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Oswal LeasingBOM:509099 37 3-Year ROIIC % is -37.90 as of Mar. 2026. GuruFocus rates BOM:509099 with a GF Score™ of 37/100 and a GF Value™ of ₹36.99 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 396 Credit Services companies, Oswal Leasing ranks worse than 91.67% 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.
Oswal Leasing's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was -37.90%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Oswal Leasing's 3-Year ROIIC % or its related term are showing as below:
BOM:509099's 3-Year ROIIC % is ranked worse than 91.67% of 396
companies
in the Credit Services industry
Industry Median: 2.875
vs BOM:509099: -37.90
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.
Oswal Leasing 3-Year ROIIC % Related Terms
Oswal Leasing 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Oswal Leasing'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:509099 vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Oswal Leasing'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.
Oswal Leasing 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Oswal Leasing's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Oswal Leasing's 3-Year ROIIC % falls into.
Oswal Leasing'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**
=
( -0.521 (Mar. 2026) - -0.236 (Mar. 2023) )
/
( 28.144 (Mar. 2026) - 27.392 (Mar. 2023) )
=
-0.285
/
0.752
=
-37.90%***
* 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.
Oswal Leasing (BOM:509099) has a 3-Year ROIIC % of -37.90 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 Oswal Leasing and its competitors. According to the industry distribution chart, Oswal Leasing ranks #363 out of 396 companies in the Credit Services industry, placing it in the top 91.7%.
Is Oswal Leasing's 3-Year ROIIC % too high?
Oswal Leasing's current 3-Year ROIIC % is -37.90. Based on the distribution chart, Oswal Leasing ranks #363 out of 396 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Oswal Leasing has a GF Score™ of 37/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oswal Leasing's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Oswal Leasing ranks #363 out of 396 companies for 3-Year ROIIC %. This places Oswal Leasing in the lower half of its industry. The industry median 3-Year ROIIC % is 2.88. 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 2.88, based on 396 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 Oswal Leasing and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oswal Leasing's current 3-Year ROIIC % is -37.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oswal Leasing stock overvalued right now?
Based on GuruFocus' analysis, Oswal Leasing (BOM:509099) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹36.99, compared to a current price of ₹78.64 — trading 112.6% above its estimated fair value. The current 3-Year ROIIC % is -37.90. Oswal Leasing's overall GF Score™ is 37/100 with 7 warning signs 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 Oswal Leasing (BOM:509099), the current 3-Year ROIIC % is -37.90 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 Oswal Leasing (BOM:509099) Overvalued in 2026?
Based on GuruFocus' analysis, Oswal Leasing stock appears to be overvalued.
The current stock price of ₹78.64 is trading 112.6% above its estimated GF Value™ of ₹36.99.
GuruFocus considers Oswal Leasing to be Significantly Overvalued.
Key valuation signals for BOM:509099:
3-Year ROIIC %: -37.90
GF Value™: ₹36.99 vs. price of ₹78.64 (112.6% above fair value)
No single metric tells the full story. See the BOM:509099 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oswal Leasing Ltd is a non-banking financial company. Its activities include leasing and hire purchase finance. Its business activity involves acquiring to provide on lease or to provide on hire purchase basis all types of industrial and office plant, equipment, machinery, vehicles, buildings, and real estate, required for manufacturing, processing, transportation and trading business and other commercial and service business. Its business activity also involves financing industrial enterprises and promoting companies engaged in industrial and trading business.
37GF Score
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