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Continental SecuritiesBOM:538868 +0.58%81 3-Year ROIIC % is 8.57 as of Mar. 2026, which is 23% below its 10-year median of 11.10. GuruFocus rates BOM:538868 with a GF Score™ of 81/100 and a GF Value™ of ₹19.22 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 396 Credit Services companies, Continental Securities ranks better than 70.71% 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.
Continental Securities's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 8.57%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Continental Securities's 3-Year ROIIC % or its related term are showing as below:
BOM:538868's 3-Year ROIIC % is ranked better than 70.71% of 396
companies
in the Credit Services industry
Industry Median: 2.9
vs BOM:538868: 8.57
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.
Continental Securities 3-Year ROIIC % Related Terms
Continental Securities 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Continental Securities'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:538868 vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Continental Securities'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.
Continental Securities 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Continental Securities's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Continental Securities'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.
Continental Securities (BOM:538868) has a 3-Year ROIIC % of 8.57 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 Continental Securities and its competitors. This is 23% below median its historical median of 11.10. Over the past decade, Continental Securities' 3-Year ROIIC % has ranged from 7.50 to 623.29. According to the industry distribution chart, Continental Securities ranks #116 out of 396 companies in the Credit Services industry, placing it in the top 29.3%.
Is Continental Securities' 3-Year ROIIC % too high?
Continental Securities' current 3-Year ROIIC % of 8.57 is 23% below median its 10-year median of 11.10. Over the past 10 years, this metric has ranged from a low of 7.50 to a high of 623.29. The Credit Services industry median 3-Year ROIIC % is 2.90. Continental Securities' value of 8.57 is 195.5% above this industry median. Based on the distribution chart, Continental Securities ranks #116 out of 396 companies in the Credit Services industry, which is above the industry midpoint. Overall, Continental Securities has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Continental Securities' 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Continental Securities ranks #116 out of 396 companies for 3-Year ROIIC %. This puts Continental Securities in the upper half of its industry. The industry median 3-Year ROIIC % is 2.90. Continental Securities' value of 8.57 is 195.5% above this benchmark. Historically, Continental Securities' own 3-Year ROIIC % has ranged from 7.50 to 623.29 over the past decade. While the company's 10-year median is 11.10 vs. the industry median of 2.90, Continental Securities 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 2.90, 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. Continental Securities's current 3-Year ROIIC % of 8.57 is 195.5% 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 Continental Securities and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Continental Securities's current 3-Year ROIIC % is 8.57, which is 23% below median its own 10-year median of 11.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Continental Securities stock overvalued right now?
Based on GuruFocus' analysis, Continental Securities (BOM:538868) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹19.22, compared to a current price of ₹22.57 — trading 17.4% above its estimated fair value. The current 3-Year ROIIC % is 8.57, which is 23% below median its 10-year median of 11.10 and 195.5% above the Credit Services industry median of 2.90. Continental Securities' overall GF Score™ is 81/100 with 7 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 Continental Securities (BOM:538868), the current 3-Year ROIIC % is 8.57 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 Continental Securities (BOM:538868) Overvalued in 2026?
Based on GuruFocus' analysis, Continental Securities stock appears to be overvalued.
The current stock price of ₹22.57 is trading 17.4% above its estimated GF Value™ of ₹19.22.
GuruFocus considers Continental Securities to be Modestly Overvalued.
Key valuation signals for BOM:538868:
3-Year ROIIC %: 8.57 (23% below median its 10-year median of 11.10)
GF Value™: ₹19.22 vs. price of ₹22.57 (17.4% above fair value)
Industry Position: 195.5% above the Credit Services median (#116 of 396)
No single metric tells the full story. See the BOM:538868 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Continental Securities Ltd is a non-banking financial company. The company is engaged in the business of Gold loans, Personal loans, inter-corporate loans, Loans against property Loans to SMEs, and such fund-based activities. The company is operating in one segment which is lending to borrowers within India.
81GF Score
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