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Upsurge Investment & FinanceBOM:531390 -2.50%66 3-Year ROIIC % is 3.94 as of Mar. 2026, which is 83% below its 10-year median of 23.03. GuruFocus rates BOM:531390 with a GF Score™ of 66/100 and a GF Value™ of ₹49.74 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 658 Capital Markets companies, Upsurge Investment & Finance ranks better than 53.8% 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.
Upsurge Investment & Finance's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 3.94%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
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.
Upsurge Investment & Finance 3-Year ROIIC % Related Terms
Upsurge Investment & Finance 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:531390 vs MS, GS, SCHW: 3-Year ROIIC % Comparison
For the Capital Markets subindustry, Upsurge Investment & Finance'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.
Upsurge Investment & Finance 3-Year ROIIC % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Upsurge Investment & Finance's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Upsurge Investment & Finance's 3-Year ROIIC % falls into.
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 27.4710592 (Mar. 2026) - 0.866077 (Mar. 2023) )
/
( 1044.582 (Mar. 2026) - 368.537 (Mar. 2023) )
=
26.6049822
/
676.045
=
3.94%***
* 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.
Upsurge Investment & Finance (BOM:531390) has a 3-Year ROIIC % of 3.94 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 Upsurge Investment & Finance and its competitors. This is 83% below median its historical median of 23.03. According to the industry distribution chart, Upsurge Investment & Finance ranks #304 out of 658 companies in the Capital Markets industry, placing it in the top 46.2%.
Is Upsurge Investment & Finance's 3-Year ROIIC % too high?
Upsurge Investment & Finance's current 3-Year ROIIC % of 3.94 is 83% below median its 10-year median of 23.03. The Capital Markets industry median 3-Year ROIIC % is 2.37. Upsurge Investment & Finance's value of 3.94 is 66.6% above this industry median. Based on the distribution chart, Upsurge Investment & Finance ranks #304 out of 658 companies in the Capital Markets industry, which is above the industry midpoint. Overall, Upsurge Investment & Finance has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Upsurge Investment & Finance's 3-Year ROIIC % compare to MS and GS?
According to the Capital Markets industry distribution chart, Upsurge Investment & Finance ranks #304 out of 658 companies for 3-Year ROIIC %. This puts Upsurge Investment & Finance in the upper half of its industry. The industry median 3-Year ROIIC % is 2.37. Upsurge Investment & Finance's value of 3.94 is 66.6% above this benchmark. While the company's 10-year median is 23.03 vs. the industry median of 2.37, Upsurge Investment & Finance 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 Capital Markets company?
The median 3-Year ROIIC % among Capital Markets companies is 2.37, based on 658 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. Upsurge Investment & Finance's current 3-Year ROIIC % of 3.94 is 66.6% 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 Upsurge Investment & Finance and its competitors. For the Capital Markets 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. Upsurge Investment & Finance's current 3-Year ROIIC % is 3.94, which is 83% below median its own 10-year median of 23.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Upsurge Investment & Finance stock overvalued right now?
Based on GuruFocus' analysis, Upsurge Investment & Finance (BOM:531390) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹49.74, compared to a current price of ₹69.43 — trading 39.6% above its estimated fair value. The current 3-Year ROIIC % is 3.94, which is 83% below median its 10-year median of 23.03 and 66.6% above the Capital Markets industry median of 2.37. Upsurge Investment & Finance's overall GF Score™ is 66/100 with 6 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 Upsurge Investment & Finance (BOM:531390), the current 3-Year ROIIC % is 3.94 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 Upsurge Investment & Finance (BOM:531390) Overvalued in 2026?
Based on GuruFocus' analysis, Upsurge Investment & Finance stock appears to be overvalued.
The current stock price of ₹69.43 is trading 39.6% above its estimated GF Value™ of ₹49.74.
GuruFocus considers Upsurge Investment & Finance to be Significantly Overvalued.
Key valuation signals for BOM:531390:
3-Year ROIIC %: 3.94 (83% below median its 10-year median of 23.03)
GF Value™: ₹49.74 vs. price of ₹69.43 (39.6% above fair value)
Industry Position: 66.6% above the Capital Markets median (#304 of 658)
No single metric tells the full story. See the BOM:531390 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Upsurge Investment & Finance Ltd is a non-banking finance company. It is mainly engaged in the business of investment and finance. In addition, the company is actively investing in primary and secondary markets. The company operates mainly in the business segment, Financial Services. It provides a wide range of services, including corporate finance, gold loans, real estate mortgage finance, and loans against shares and securities.
66GF Score
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