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Indo Credit CapitalBOM:526887 48 3-Year ROIIC % is 4.69 as of Mar. 2026, which is 35% below its 10-year median of 7.19. GuruFocus rates BOM:526887 with a GF Score™ of 48/100 and a GF Value™ of ₹3.79 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 393 Credit Services companies, Indo Credit Capital ranks better than 58.52% 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.
Indo Credit Capital's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 4.69%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Indo Credit Capital's 3-Year ROIIC % or its related term are showing as below:
BOM:526887's 3-Year ROIIC % is ranked better than 58.52% of 393
companies
in the Credit Services industry
Industry Median: 2.85
vs BOM:526887: 4.69
Indo Credit Capital (BOM:526887) 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.
Indo Credit Capital 3-Year ROIIC % Related Terms
Indo Credit Capital 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Indo Credit Capital'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:526887 vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Indo Credit Capital'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.
Indo Credit Capital 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Indo Credit Capital's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Indo Credit Capital's 3-Year ROIIC % falls into.
Indo Credit Capital'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**
=
( -0.897 (Mar. 2026) - -1.621 (Mar. 2023) )
/
( 100.125 (Mar. 2026) - 84.691 (Mar. 2023) )
=
0.724
/
15.434
=
4.69%***
* 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.
Indo Credit Capital (BOM:526887) has a 3-Year ROIIC % of 4.69 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 Indo Credit Capital and its competitors. This is 35% below median its historical median of 7.19. According to the industry distribution chart, Indo Credit Capital ranks #163 out of 393 companies in the Credit Services industry, placing it in the top 41.5%.
Is Indo Credit Capital's 3-Year ROIIC % too high?
Indo Credit Capital's current 3-Year ROIIC % of 4.69 is 35% below median its 10-year median of 7.19. The Credit Services industry median 3-Year ROIIC % is 2.85. Indo Credit Capital's value of 4.69 is 64.6% above this industry median. Based on the distribution chart, Indo Credit Capital ranks #163 out of 393 companies in the Credit Services industry, which is above the industry midpoint. Overall, Indo Credit Capital has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Indo Credit Capital's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Indo Credit Capital ranks #163 out of 393 companies for 3-Year ROIIC %. This puts Indo Credit Capital in the upper half of its industry. The industry median 3-Year ROIIC % is 2.85. Indo Credit Capital's value of 4.69 is 64.6% above this benchmark. While the company's 10-year median is 7.19 vs. the industry median of 2.85, Indo Credit Capital 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 2.85, based on 393 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. Indo Credit Capital's current 3-Year ROIIC % of 4.69 is 64.6% 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 Indo Credit Capital and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Indo Credit Capital's current 3-Year ROIIC % is 4.69, which is 35% below median its own 10-year median of 7.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Indo Credit Capital stock overvalued right now?
Based on GuruFocus' analysis, Indo Credit Capital (BOM:526887) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹3.79, compared to a current price of ₹10.25 — trading 170.4% above its estimated fair value. The current 3-Year ROIIC % is 4.69, which is 35% below median its 10-year median of 7.19 and 64.6% above the Credit Services industry median of 2.85. Indo Credit Capital's overall GF Score™ is 48/100 with 2 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 Indo Credit Capital (BOM:526887), the current 3-Year ROIIC % is 4.69 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 Indo Credit Capital (BOM:526887) Overvalued in 2026?
Based on GuruFocus' analysis, Indo Credit Capital stock appears to be overvalued.
The current stock price of ₹10.25 is trading 170.4% above its estimated GF Value™ of ₹3.79.
GuruFocus considers Indo Credit Capital to be Significantly Overvalued.
Key valuation signals for BOM:526887:
3-Year ROIIC %: 4.69 (35% below median its 10-year median of 7.19)
GF Value™: ₹3.79 vs. price of ₹10.25 (170.4% above fair value)
Industry Position: 64.6% above the Credit Services median (#163 of 393)
No single metric tells the full story. See the BOM:526887 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Indo Credit Capital Ltd is an India-based non-banking financial company engaged in the business of finance and investments. It also assists in financing a variety of lease operations, hire purchase, and investment companies, as well as deals in shares, securities, bonds, and debentures. Geographically, it operates in India.
48GF Score
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