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Vani CommercialsBOM:538918 +0.49%49 3-Year ROIIC % is 0.63 as of Mar. 2025, which is 19% above its 10-year median of 0.53. GuruFocus rates BOM:538918 with a GF Score™ of 49/100 and a GF Value™ of ₹11.12 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 395 Credit Services companies, Vani Commercials ranks worse than 61.52% 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.
Vani Commercials's 3-Year ROIIC % for the quarter that ended in Mar. 2025 was 0.63%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Vani Commercials's 3-Year ROIIC % or its related term are showing as below:
BOM:538918's 3-Year ROIIC % is ranked worse than 61.52% of 395
companies
in the Credit Services industry
Industry Median: 3
vs BOM:538918: 0.63
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.
Vani Commercials 3-Year ROIIC % Related Terms
Vani Commercials 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Vani Commercials'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:538918 vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Vani Commercials'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.
Vani Commercials 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Vani Commercials's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Vani Commercials's 3-Year ROIIC % falls into.
Vani Commercials's 3-Year ROIIC % for the quarter that ended in Mar. 2025 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 2.54599 (Mar. 2025) - 0.8008964 (Mar. 2022) )
/
( 454.7 (Mar. 2025) - 178.484 (Mar. 2022) )
=
1.7450936
/
276.216
=
0.63%***
* 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.
Vani Commercials (BOM:538918) has a 3-Year ROIIC % of 0.63 as of Mar. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Vani Commercials and its competitors. This is 19% above median its historical median of 0.53. According to the industry distribution chart, Vani Commercials ranks #243 out of 395 companies in the Credit Services industry, placing it in the top 61.5%.
Is Vani Commercials' 3-Year ROIIC % too high?
Vani Commercials' current 3-Year ROIIC % of 0.63 is 19% above median its 10-year median of 0.53. The Credit Services industry median 3-Year ROIIC % is 3.00. Vani Commercials' value of 0.63 is 79% below this industry median. Based on the distribution chart, Vani Commercials ranks #243 out of 395 companies in the Credit Services industry, which is below the industry midpoint. Overall, Vani Commercials has a GF Score™ of 49/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Vani Commercials' 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Vani Commercials ranks #243 out of 395 companies for 3-Year ROIIC %. This places Vani Commercials in the lower half of its industry. The industry median 3-Year ROIIC % is 3.00. Vani Commercials' value of 0.63 is 79% below this benchmark. While the company's 10-year median is 0.53 vs. the industry median of 3.00, Vani Commercials has consistently been below 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 3.00, based on 395 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. Vani Commercials's current 3-Year ROIIC % of 0.63 is 79% below 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 Vani Commercials and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 3.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vani Commercials's current 3-Year ROIIC % is 0.63, which is 19% above median its own 10-year median of 0.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vani Commercials stock overvalued right now?
Based on GuruFocus' analysis, Vani Commercials (BOM:538918) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹11.12, compared to a current price of ₹8.50 — trading 23.6% below its estimated fair value. The current 3-Year ROIIC % is 0.63, which is 19% above median its 10-year median of 0.53 and 79% below the Credit Services industry median of 3.00. Vani Commercials' 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 Vani Commercials (BOM:538918), the current 3-Year ROIIC % is 0.63 as of Mar. 2025. 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 Vani Commercials (BOM:538918) Overvalued in 2026?
Based on GuruFocus' analysis, Vani Commercials stock appears to be undervalued.
The current stock price of ₹8.50 is trading 23.6% below its estimated GF Value™ of ₹11.12.
GuruFocus considers Vani Commercials to be Modestly Undervalued.
Key valuation signals for BOM:538918:
3-Year ROIIC %: 0.63 (19% above median its 10-year median of 0.53)
GF Value™: ₹11.12 vs. price of ₹8.50 (23.6% below fair value)
Industry Position: 79% below the Credit Services median (#243 of 395)
No single metric tells the full story. See the BOM:538918 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vani Commercials Ltd is an India-based non-banking finance company. Its product includes loans for the purchase of equipment and machinery, working capital loans, loans for business or capacity expansion, term loans against property, loans for the purchase of commercial property, and lease rental discounting. The company offers its lending services to Micro, Small, and Medium Enterprises. It derives key revenue from the Interest income.
49GF Score
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