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SRG Housing FinanceBOM:534680 +0.59%73 3-Year ROIIC % is 2.80 as of Mar. 2026, which is 14% below its 10-year median of 3.25. GuruFocus rates BOM:534680 with a GF Score™ of 73/100 and a GF Value™ of ₹433.36 (Possible Value Trap). The stock has 8 warning signs investors should review. Among 46 Banks companies, SRG Housing Finance ranks better than 52.17% 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.
SRG Housing Finance's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 2.80%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for SRG Housing Finance's 3-Year ROIIC % or its related term are showing as below:
BOM:534680's 3-Year ROIIC % is ranked better than 52.17% of 46
companies
in the Banks industry
Industry Median: 2.37
vs BOM:534680: 2.80
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.
SRG Housing Finance 3-Year ROIIC % Related Terms
SRG Housing Finance 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for SRG Housing Finance'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:534680 vs RKT, FNMA, PFSI: 3-Year ROIIC % Comparison
For the Mortgage Finance subindustry, SRG Housing 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.
SRG Housing Finance 3-Year ROIIC % vs Banks Industry
For the Banks industry and Financial Services sector, SRG Housing Finance's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where SRG Housing Finance'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.
SRG Housing Finance (BOM:534680) has a 3-Year ROIIC % of 2.80 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 SRG Housing Finance and its competitors. This is 14% below median its historical median of 3.25. According to the industry distribution chart, SRG Housing Finance ranks #22 out of 46 companies in the Banks industry, placing it in the top 47.8%.
Is SRG Housing Finance's 3-Year ROIIC % too high?
SRG Housing Finance's current 3-Year ROIIC % of 2.80 is 14% below median its 10-year median of 3.25. The Banks industry median 3-Year ROIIC % is 2.37. SRG Housing Finance's value of 2.80 is 18.1% above this industry median. Based on the distribution chart, SRG Housing Finance ranks #22 out of 46 companies in the Banks industry, which is above the industry midpoint. Overall, SRG Housing Finance has a GF Score™ of 73/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SRG Housing Finance's 3-Year ROIIC % compare to RKT and FNMA?
According to the Banks industry distribution chart, SRG Housing Finance ranks #22 out of 46 companies for 3-Year ROIIC %. This puts SRG Housing Finance in the upper half of its industry. The industry median 3-Year ROIIC % is 2.37. SRG Housing Finance's value of 2.80 is 18.1% above this benchmark. While the company's 10-year median is 3.25 vs. the industry median of 2.37, SRG Housing 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 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. SRG Housing Finance's current 3-Year ROIIC % of 2.80 is 18.1% 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 SRG Housing Finance 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. SRG Housing Finance's current 3-Year ROIIC % is 2.80, which is 14% below median its own 10-year median of 3.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SRG Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, SRG Housing Finance (BOM:534680) is currently considered Possible Value Trap. The stock's GF Value™ is ₹433.36, compared to a current price of ₹255.15 — trading 41.1% below its estimated fair value. The current 3-Year ROIIC % is 2.80, which is 14% below median its 10-year median of 3.25 and 18.1% above the Banks industry median of 2.37. SRG Housing Finance's overall GF Score™ is 73/100 with 8 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 SRG Housing Finance (BOM:534680), the current 3-Year ROIIC % is 2.80 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 SRG Housing Finance (BOM:534680) Overvalued in 2026?
Based on GuruFocus' analysis, SRG Housing Finance stock appears to be undervalued.
The current stock price of ₹255.15 is trading 41.1% below its estimated GF Value™ of ₹433.36.
GuruFocus considers SRG Housing Finance to be Possible Value Trap.
Key valuation signals for BOM:534680:
3-Year ROIIC %: 2.80 (14% below median its 10-year median of 3.25)
GF Value™: ₹433.36 vs. price of ₹255.15 (41.1% below fair value)
Industry Position: 18.1% above the Banks median (#22 of 46)
No single metric tells the full story. See the BOM:534680 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SRG Housing Finance Ltd is an India-based housing finance company. The company is principally engaged in the housing and mortgage finance business. The company offers home loans for construction, additions, alterations, and repair and renovation purposes. The products and services offered by the company include individual home loans; loans against the property; and builder, project loans. Geographically, it operates within the regions of India.
73GF Score
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