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What is Sera Investments & Finance India 3-Year ROIIC %?
Sera Investments & Finance IndiaBOM:512399 -2.18%42 3-Year ROIIC % is 166.32 as of Mar. 2026, which is 609% above its 10-year median of 23.47. GuruFocus rates BOM:512399 with a GF Score™ of 42/100. The stock has 3 warning signs investors should review. Among 394 Credit Services companies, Sera Investments & Finance India ranks better than 97.72% 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.
Sera Investments & Finance India's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 166.32%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Sera Investments & Finance India (BOM:512399) 3-Year ROIIC % Explanation
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.
Sera Investments & Finance India 3-Year ROIIC % Related Terms
Sera Investments & Finance India 3-Year ROIIC % Historical 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.
Sera Investments & Finance India 3-Year ROIIC % Chart
BOM:512399 vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Sera Investments & Finance India'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.
Sera Investments & Finance India 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sera Investments & Finance India's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Sera Investments & Finance India's 3-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 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.
Sera Investments & Finance India (BOM:512399) has a 3-Year ROIIC % of 166.32 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 Sera Investments & Finance India and its competitors. This is 609% above median its historical median of 23.47. According to the industry distribution chart, Sera Investments & Finance India ranks #9 out of 394 companies in the Credit Services industry, placing it in the top 2.3%.
Is Sera Investments & Finance India's 3-Year ROIIC % too high?
Sera Investments & Finance India's current 3-Year ROIIC % of 166.32 is 609% above median its 10-year median of 23.47. The Credit Services industry median 3-Year ROIIC % is 2.89. Sera Investments & Finance India's value of 166.32 is 5665% above this industry median. Based on the distribution chart, Sera Investments & Finance India ranks #9 out of 394 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Sera Investments & Finance India has a GF Score™ of 42/100, reflecting its overall financial health beyond just this single metric.
How does Sera Investments & Finance India's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Sera Investments & Finance India ranks #9 out of 394 companies for 3-Year ROIIC %. This places Sera Investments & Finance India in the top 2% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 2.89. Sera Investments & Finance India's value of 166.32 is 5665% above this benchmark. While the company's 10-year median is 23.47 vs. the industry median of 2.89, Sera Investments & Finance India has consistently been above the industry average. 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 2.89, based on 394 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. Sera Investments & Finance India's current 3-Year ROIIC % of 166.32 is 5665% 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 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 Sera Investments & Finance India and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sera Investments & Finance India's current 3-Year ROIIC % is 166.32, which is 609% above median its own 10-year median of 23.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sera Investments & Finance India stock overvalued right now?
Sera Investments & Finance India (BOM:512399) has a current 3-Year ROIIC % of 166.32. The current 3-Year ROIIC % is 166.32, which is 609% above median its 10-year median of 23.47 and 5665% above the Credit Services industry median of 2.89. Sera Investments & Finance India'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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Sera Investments & Finance India (BOM:512399), the current 3-Year ROIIC % is 166.32 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.
Sera Investments & Finance India Ltd is an India-based company engaged in the provision of financial services. The company operates through a single segment namely Non-Banking financial activities.
42GF Score
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