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Mangalam Industrial FinanceBOM:537800 -1.72%49 3-Year ROIIC % is 6.47 as of Mar. 2026, which is 944% above its 10-year median of 0.62. GuruFocus rates BOM:537800 with a GF Score™ of 49/100. The stock has 1 warning sign investors should review. Among 396 Credit Services companies, Mangalam Industrial Finance ranks better than 62.63% 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.
Mangalam Industrial Finance's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 6.47%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Mangalam Industrial Finance's 3-Year ROIIC % or its related term are showing as below:
BOM:537800's 3-Year ROIIC % is ranked better than 62.63% of 396
companies
in the Credit Services industry
Industry Median: 2.805
vs BOM:537800: 6.47
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.
Mangalam Industrial Finance 3-Year ROIIC % Related Terms
Mangalam Industrial 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:537800 vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Mangalam Industrial 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.
Mangalam Industrial Finance 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mangalam Industrial Finance's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Mangalam Industrial Finance's 3-Year ROIIC % falls into.
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( -10.0277171 (Mar. 2026) - -47.876 (Mar. 2023) )
/
( 747.28 (Mar. 2026) - 162.17 (Mar. 2023) )
=
37.8482829
/
585.11
=
6.47%***
* 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.
Mangalam Industrial Finance (BOM:537800) has a 3-Year ROIIC % of 6.47 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 Mangalam Industrial Finance and its competitors. This is 944% above median its historical median of 0.62. According to the industry distribution chart, Mangalam Industrial Finance ranks #148 out of 396 companies in the Credit Services industry, placing it in the top 37.4%.
Is Mangalam Industrial Finance's 3-Year ROIIC % too high?
Mangalam Industrial Finance's current 3-Year ROIIC % of 6.47 is 944% above median its 10-year median of 0.62. The Credit Services industry median 3-Year ROIIC % is 2.81. Mangalam Industrial Finance's value of 6.47 is 130.7% above this industry median. Based on the distribution chart, Mangalam Industrial Finance ranks #148 out of 396 companies in the Credit Services industry, which is above the industry midpoint. Overall, Mangalam Industrial Finance has a GF Score™ of 49/100, reflecting its overall financial health beyond just this single metric.
How does Mangalam Industrial Finance's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Mangalam Industrial Finance ranks #148 out of 396 companies for 3-Year ROIIC %. This puts Mangalam Industrial Finance in the upper half of its industry. The industry median 3-Year ROIIC % is 2.81. Mangalam Industrial Finance's value of 6.47 is 130.7% above this benchmark. While the company's 10-year median is 0.62 vs. the industry median of 2.81, Mangalam Industrial 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 Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.81, 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. Mangalam Industrial Finance's current 3-Year ROIIC % of 6.47 is 130.7% 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 Mangalam Industrial Finance and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mangalam Industrial Finance's current 3-Year ROIIC % is 6.47, which is 944% above median its own 10-year median of 0.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mangalam Industrial Finance stock overvalued right now?
Mangalam Industrial Finance (BOM:537800) has a current 3-Year ROIIC % of 6.47. The current 3-Year ROIIC % is 6.47, which is 944% above median its 10-year median of 0.62 and 130.7% above the Credit Services industry median of 2.81. Mangalam Industrial Finance's overall GF Score™ is 49/100 with 1 warning sign 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 Mangalam Industrial Finance (BOM:537800), the current 3-Year ROIIC % is 6.47 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.
Mangalam Industrial Finance Ltd is a non-banking financial company engaged in investing and financing. The company generates the majority of its revenue from interest income on loans. It provides hassle-free, easy, and quick loan facilities, offering personal loans, business loans, and professional loans. The company mainly supports customers with financial solutions for the purchase of electric two-wheelers.
49GF Score
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