Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Anupam FinservBOM:530109 -0.52%68 3-Year ROIIC % is 3.56 as of Mar. 2026, which is 5% above its 10-year median of 3.39. GuruFocus rates BOM:530109 with a GF Score™ of 68/100 and a GF Value™ of ₹1.88 (Fairly Valued). The stock has 4 warning signs investors should review. Among 395 Credit Services companies, Anupam Finserv ranks better than 53.92% 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.
Anupam Finserv's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 3.56%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Anupam Finserv's 3-Year ROIIC % or its related term are showing as below:
BOM:530109's 3-Year ROIIC % is ranked better than 53.92% of 395
companies
in the Credit Services industry
Industry Median: 2.9
vs BOM:530109: 3.56
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.
Anupam Finserv 3-Year ROIIC % Related Terms
Anupam Finserv 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Anupam Finserv'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:530109 vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Anupam Finserv'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.
Anupam Finserv 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Anupam Finserv's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Anupam Finserv's 3-Year ROIIC % falls into.
Anupam Finserv'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**
=
( 17.30344 (Mar. 2026) - 9.603792 (Mar. 2023) )
/
( 398.108 (Mar. 2026) - 181.917 (Mar. 2023) )
=
7.699648
/
216.191
=
3.56%***
* 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.
Anupam Finserv (BOM:530109) has a 3-Year ROIIC % of 3.56 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 Anupam Finserv and its competitors. This is near median its historical median of 3.39. According to the industry distribution chart, Anupam Finserv ranks #182 out of 395 companies in the Credit Services industry, placing it in the top 46.1%.
Is Anupam Finserv's 3-Year ROIIC % too high?
Anupam Finserv's current 3-Year ROIIC % of 3.56 is near median its 10-year median of 3.39. The Credit Services industry median 3-Year ROIIC % is 2.90. Anupam Finserv's value of 3.56 is 22.8% above this industry median. Based on the distribution chart, Anupam Finserv ranks #182 out of 395 companies in the Credit Services industry, which is above the industry midpoint. Overall, Anupam Finserv has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Anupam Finserv's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Anupam Finserv ranks #182 out of 395 companies for 3-Year ROIIC %. This puts Anupam Finserv in the upper half of its industry. The industry median 3-Year ROIIC % is 2.90. Anupam Finserv's value of 3.56 is 22.8% above this benchmark. While the company's 10-year median is 3.39 vs. the industry median of 2.90, Anupam Finserv 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 2.90, 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. Anupam Finserv's current 3-Year ROIIC % of 3.56 is 22.8% 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 Anupam Finserv 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. Anupam Finserv's current 3-Year ROIIC % is 3.56, which is near median its own 10-year median of 3.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Anupam Finserv stock overvalued right now?
Based on GuruFocus' analysis, Anupam Finserv (BOM:530109) is currently considered Fairly Valued. The stock's GF Value™ is ₹1.88, compared to a current price of ₹1.93 — trading 2.7% above its estimated fair value. The current 3-Year ROIIC % is 3.56, which is near median its 10-year median of 3.39 and 22.8% above the Credit Services industry median of 2.90. Anupam Finserv's overall GF Score™ is 68/100 with 4 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 Anupam Finserv (BOM:530109), the current 3-Year ROIIC % is 3.56 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 Anupam Finserv (BOM:530109) Overvalued in 2026?
Based on GuruFocus' analysis, Anupam Finserv stock appears to be overvalued.
The current stock price of ₹1.93 is trading 2.7% above its estimated GF Value™ of ₹1.88.
GuruFocus considers Anupam Finserv to be Fairly Valued.
Key valuation signals for BOM:530109:
3-Year ROIIC %: 3.56 (near median its 10-year median of 3.39)
GF Value™: ₹1.88 vs. price of ₹1.93 (2.7% above fair value)
Industry Position: 22.8% above the Credit Services median (#182 of 395)
No single metric tells the full story. See the BOM:530109 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Anupam Finserv Ltd is a Non-Banking Finance Company engaged in providing finance and capital market services, including financial consultancy and investment advisory services. Its operating segments include Financing and Leasing. The company's products include Capital Market Finance, Corporate Finance, Mortgage Loans, and Personal Loans for Salaried and Professionals.
68GF Score
Get the complete analysis for BOM:530109
3-Year ROIIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:530109 has been successfully added to your 
