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Kreon Financial ServicesBOM:530139 -1.98%60 3-Year ROIIC % is 24.52 as of Mar. 2026, which is 19% below its 10-year median of 30.30. GuruFocus rates BOM:530139 with a GF Score™ of 60/100 and a GF Value™ of ₹67.38 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 396 Credit Services companies, Kreon Financial Services ranks better than 84.6% 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.
Kreon Financial Services's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 24.52%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Kreon Financial Services's 3-Year ROIIC % or its related term are showing as below:
BOM:530139's 3-Year ROIIC % is ranked better than 84.6% of 396
companies
in the Credit Services industry
Industry Median: 2.875
vs BOM:530139: 24.52
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.
Kreon Financial Services 3-Year ROIIC % Related Terms
Kreon Financial Services 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.
BOM:530139 vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Kreon Financial Services'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.
Kreon Financial Services 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Kreon Financial Services's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Kreon Financial Services's 3-Year ROIIC % falls into.
Kreon Financial Services'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**
=
( 123.311997 (Mar. 2026) - 42.122 (Mar. 2023) )
/
( 607.807 (Mar. 2026) - 276.66 (Mar. 2023) )
=
81.189997
/
331.147
=
24.52%***
* 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.
Kreon Financial Services (BOM:530139) has a 3-Year ROIIC % of 24.52 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 Kreon Financial Services and its competitors. This is 19% below median its historical median of 30.30. According to the industry distribution chart, Kreon Financial Services ranks #61 out of 396 companies in the Credit Services industry, placing it in the top 15.4%.
Is Kreon Financial Services' 3-Year ROIIC % too high?
Kreon Financial Services' current 3-Year ROIIC % of 24.52 is 19% below median its 10-year median of 30.30. The Credit Services industry median 3-Year ROIIC % is 2.88. Kreon Financial Services' value of 24.52 is 752.9% above this industry median. Based on the distribution chart, Kreon Financial Services ranks #61 out of 396 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Kreon Financial Services has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Kreon Financial Services' 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Kreon Financial Services ranks #61 out of 396 companies for 3-Year ROIIC %. This places Kreon Financial Services in the top 15% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 2.88. Kreon Financial Services' value of 24.52 is 752.9% above this benchmark. While the company's 10-year median is 30.30 vs. the industry median of 2.88, Kreon Financial Services 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 2.88, 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. Kreon Financial Services's current 3-Year ROIIC % of 24.52 is 752.9% 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 Kreon Financial Services 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. Kreon Financial Services's current 3-Year ROIIC % is 24.52, which is 19% below median its own 10-year median of 30.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kreon Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Kreon Financial Services (BOM:530139) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹67.38, compared to a current price of ₹82.50 — trading 22.4% above its estimated fair value. The current 3-Year ROIIC % is 24.52, which is 19% below median its 10-year median of 30.30 and 752.9% above the Credit Services industry median of 2.88. Kreon Financial Services' overall GF Score™ is 60/100 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 Kreon Financial Services (BOM:530139), the current 3-Year ROIIC % is 24.52 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 Kreon Financial Services (BOM:530139) Overvalued in 2026?
Based on GuruFocus' analysis, Kreon Financial Services stock appears to be overvalued.
The current stock price of ₹82.50 is trading 22.4% above its estimated GF Value™ of ₹67.38.
GuruFocus considers Kreon Financial Services to be Modestly Overvalued.
Key valuation signals for BOM:530139:
3-Year ROIIC %: 24.52 (19% below median its 10-year median of 30.30)
GF Value™: ₹67.38 vs. price of ₹82.50 (22.4% above fair value)
Industry Position: 752.9% above the Credit Services median (#61 of 396)
No single metric tells the full story. See the BOM:530139 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kreon Financial Services Ltd is an investment company. It is engaged in financing activities along with investing in long-term and short-term projects, securities, and debt-related instruments. The company's segment includes the Commercial Lending Division and Digital Lending Division -StuCred. It generates maximum revenue from the Digital Lending Division -StuCred segment.
60GF Score
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