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Kuber UdyogBOM:539408 +5.00%74 3-Year ROIIC % is 9.83 as of Mar. 2026, which is 37% below its 10-year median of 15.54. GuruFocus rates BOM:539408 with a GF Score™ of 74/100 and a GF Value™ of ₹36.19 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 394 Credit Services companies, Kuber Udyog ranks better than 71.32% 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.
Kuber Udyog's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 9.83%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Kuber Udyog's 3-Year ROIIC % or its related term are showing as below:
BOM:539408's 3-Year ROIIC % is ranked better than 71.32% of 394
companies
in the Credit Services industry
Industry Median: 2.9
vs BOM:539408: 9.83
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.
Kuber Udyog 3-Year ROIIC % Related Terms
Kuber Udyog 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Kuber Udyog'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:539408 vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Kuber Udyog'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.
Kuber Udyog 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Kuber Udyog's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Kuber Udyog's 3-Year ROIIC % falls into.
Kuber Udyog's 3-Year ROIIC % for the quarter that ended in Mar. 2026 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 5.153 (Mar. 2026) - 6.627 (Mar. 2023) )
/
( 49.464 (Mar. 2026) - 64.464 (Mar. 2023) )
=
-1.474
/
-15
=
9.83%***
* 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.
Kuber Udyog (BOM:539408) has a 3-Year ROIIC % of 9.83 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 Kuber Udyog and its competitors. This is 37% below median its historical median of 15.54. According to the industry distribution chart, Kuber Udyog ranks #113 out of 394 companies in the Credit Services industry, placing it in the top 28.7%.
Is Kuber Udyog's 3-Year ROIIC % too high?
Kuber Udyog's current 3-Year ROIIC % of 9.83 is 37% below median its 10-year median of 15.54. The Credit Services industry median 3-Year ROIIC % is 2.90. Kuber Udyog's value of 9.83 is 239% above this industry median. Based on the distribution chart, Kuber Udyog ranks #113 out of 394 companies in the Credit Services industry, which is above the industry midpoint. Overall, Kuber Udyog has a GF Score™ of 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Kuber Udyog's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Kuber Udyog ranks #113 out of 394 companies for 3-Year ROIIC %. This puts Kuber Udyog in the upper half of its industry. The industry median 3-Year ROIIC % is 2.90. Kuber Udyog's value of 9.83 is 239% above this benchmark. While the company's 10-year median is 15.54 vs. the industry median of 2.90, Kuber Udyog 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 394 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. Kuber Udyog's current 3-Year ROIIC % of 9.83 is 239% 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 Kuber Udyog 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. Kuber Udyog's current 3-Year ROIIC % is 9.83, which is 37% below median its own 10-year median of 15.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kuber Udyog stock overvalued right now?
Based on GuruFocus' analysis, Kuber Udyog (BOM:539408) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹36.19, compared to a current price of ₹53.55 — trading 48% above its estimated fair value. The current 3-Year ROIIC % is 9.83, which is 37% below median its 10-year median of 15.54 and 239% above the Credit Services industry median of 2.90. Kuber Udyog's overall GF Score™ is 74/100 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 Kuber Udyog (BOM:539408), the current 3-Year ROIIC % is 9.83 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 Kuber Udyog (BOM:539408) Overvalued in 2026?
Based on GuruFocus' analysis, Kuber Udyog stock appears to be overvalued.
The current stock price of ₹53.55 is trading 48% above its estimated GF Value™ of ₹36.19.
GuruFocus considers Kuber Udyog to be Significantly Overvalued.
Key valuation signals for BOM:539408:
3-Year ROIIC %: 9.83 (37% below median its 10-year median of 15.54)
GF Value™: ₹36.19 vs. price of ₹53.55 (48% above fair value)
Industry Position: 239% above the Credit Services median (#113 of 394)
No single metric tells the full story. See the BOM:539408 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kuber Udyog Ltd is engaged in non-banking financial activities and is registered with the Reserve Bank of India as an NBFC. The company operates non-deposit-taking financial activities in India. Additionally, it provides advisory IT services, consulting on banking regulatory matters, non-fund-based banking services, bank relationship management, and trades in DEPB licenses.
74GF Score
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