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India Home LoanBOM:530979 -0.81%62 3-Year ROIIC % is 3.21 as of Mar. 2026, which is 145% above its 10-year median of 1.31. GuruFocus rates BOM:530979 with a GF Score™ of 62/100 and a GF Value™ of ₹35.10 (Fairly Valued). The stock has 5 warning signs investors should review. Among 46 Banks companies, India Home Loan ranks better than 56.52% 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.
India Home Loan's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 3.21%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for India Home Loan's 3-Year ROIIC % or its related term are showing as below:
BOM:530979's 3-Year ROIIC % is ranked better than 56.52% of 46
companies
in the Banks industry
Industry Median: 2.37
vs BOM:530979: 3.21
India Home Loan (BOM:530979) 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.
India Home Loan 3-Year ROIIC % Related Terms
India Home Loan 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for India Home Loan'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:530979 vs RKT, FNMA, PFSI: 3-Year ROIIC % Comparison
For the Mortgage Finance subindustry, India Home Loan'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.
India Home Loan 3-Year ROIIC % vs Banks Industry
For the Banks industry and Financial Services sector, India Home Loan's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where India Home Loan'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.
India Home Loan (BOM:530979) has a 3-Year ROIIC % of 3.21 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 India Home Loan and its competitors. This is 145% above median its historical median of 1.31. According to the industry distribution chart, India Home Loan ranks #20 out of 46 companies in the Banks industry, placing it in the top 43.5%.
Is India Home Loan's 3-Year ROIIC % too high?
India Home Loan's current 3-Year ROIIC % of 3.21 is 145% above median its 10-year median of 1.31. The Banks industry median 3-Year ROIIC % is 2.37. India Home Loan's value of 3.21 is 35.4% above this industry median. Based on the distribution chart, India Home Loan ranks #20 out of 46 companies in the Banks industry, which is above the industry midpoint. Overall, India Home Loan has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does India Home Loan's 3-Year ROIIC % compare to RKT and FNMA?
According to the Banks industry distribution chart, India Home Loan ranks #20 out of 46 companies for 3-Year ROIIC %. This puts India Home Loan in the upper half of its industry. The industry median 3-Year ROIIC % is 2.37. India Home Loan's value of 3.21 is 35.4% above this benchmark. While the company's 10-year median is 1.31 vs. the industry median of 2.37, India Home Loan 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 Banks company?
The median 3-Year ROIIC % among Banks companies is 2.37, based on 46 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. India Home Loan's current 3-Year ROIIC % of 3.21 is 35.4% 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 India Home Loan and its competitors. For the Banks industry, the median 3-Year ROIIC % is 2.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Home Loan's current 3-Year ROIIC % is 3.21, which is 145% above median its own 10-year median of 1.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Home Loan stock overvalued right now?
Based on GuruFocus' analysis, India Home Loan (BOM:530979) is currently considered Fairly Valued. The stock's GF Value™ is ₹35.10, compared to a current price of ₹31.89 — trading 9.1% below its estimated fair value. The current 3-Year ROIIC % is 3.21, which is 145% above median its 10-year median of 1.31 and 35.4% above the Banks industry median of 2.37. India Home Loan's overall GF Score™ is 62/100 with 5 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 India Home Loan (BOM:530979), the current 3-Year ROIIC % is 3.21 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 India Home Loan (BOM:530979) Overvalued in 2026?
Based on GuruFocus' analysis, India Home Loan stock appears to be undervalued.
The current stock price of ₹31.89 is trading 9.1% below its estimated GF Value™ of ₹35.10.
GuruFocus considers India Home Loan to be Fairly Valued.
Key valuation signals for BOM:530979:
3-Year ROIIC %: 3.21 (145% above median its 10-year median of 1.31)
GF Value™: ₹35.10 vs. price of ₹31.89 (9.1% below fair value)
Industry Position: 35.4% above the Banks median (#20 of 46)
No single metric tells the full story. See the BOM:530979 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
India Home Loan Ltd is a Non-deposit accepting Housing Finance Company. The company offers retail home loan products for affordable housing segments. Under this product, loans are offered to the customers for Purchase of home, home improvement, home extension and for construction of a dwelling unit on an owned plot of land. It specializes on loans to families in the self-employed category where formal income proofs aren't easily available and their repayment capacity is appraised based on their cash flows.
62GF Score
Get the complete analysis for BOM:530979
3-Year ROIIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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