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Garbi FinvestBOM:539492 -2.13%60 3-Year ROIIC % is 140.17 as of Mar. 2026, which is 473% above its 10-year median of 24.48. GuruFocus rates BOM:539492 with a GF Score™ of 60/100 and a GF Value™ of ₹10.92 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 397 Credit Services companies, Garbi Finvest ranks better than 97.48% 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.
Garbi Finvest's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 140.17%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Garbi Finvest's 3-Year ROIIC % or its related term are showing as below:
BOM:539492's 3-Year ROIIC % is ranked better than 97.48% of 397
companies
in the Credit Services industry
Industry Median: 2.92
vs BOM:539492: 140.17
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.
Garbi Finvest 3-Year ROIIC % Related Terms
Garbi Finvest 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Garbi Finvest'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:539492 vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Garbi Finvest'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.
Garbi Finvest 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Garbi Finvest's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Garbi Finvest'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.
Garbi Finvest (BOM:539492) has a 3-Year ROIIC % of 140.17 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 Garbi Finvest and its competitors. This is 473% above median its historical median of 24.48. According to the industry distribution chart, Garbi Finvest ranks #10 out of 397 companies in the Credit Services industry, placing it in the top 2.5%.
Is Garbi Finvest's 3-Year ROIIC % too high?
Garbi Finvest's current 3-Year ROIIC % of 140.17 is 473% above median its 10-year median of 24.48. The Credit Services industry median 3-Year ROIIC % is 2.92. Garbi Finvest's value of 140.17 is 4700.3% above this industry median. Based on the distribution chart, Garbi Finvest ranks #10 out of 397 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Garbi Finvest has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Garbi Finvest's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Garbi Finvest ranks #10 out of 397 companies for 3-Year ROIIC %. This places Garbi Finvest in the top 3% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 2.92. Garbi Finvest's value of 140.17 is 4700.3% above this benchmark. While the company's 10-year median is 24.48 vs. the industry median of 2.92, Garbi Finvest 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 2.92, based on 397 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. Garbi Finvest's current 3-Year ROIIC % of 140.17 is 4700.3% 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 Garbi Finvest and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Garbi Finvest's current 3-Year ROIIC % is 140.17, which is 473% above median its own 10-year median of 24.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Garbi Finvest stock overvalued right now?
Based on GuruFocus' analysis, Garbi Finvest (BOM:539492) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹10.92, compared to a current price of ₹8.71 — trading 20.2% below its estimated fair value. The current 3-Year ROIIC % is 140.17, which is 473% above median its 10-year median of 24.48 and 4700.3% above the Credit Services industry median of 2.92. Garbi Finvest's overall GF Score™ is 60/100 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 Garbi Finvest (BOM:539492), the current 3-Year ROIIC % is 140.17 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 Garbi Finvest (BOM:539492) Overvalued in 2026?
Based on GuruFocus' analysis, Garbi Finvest stock appears to be undervalued.
The current stock price of ₹8.71 is trading 20.2% below its estimated GF Value™ of ₹10.92.
GuruFocus considers Garbi Finvest to be Modestly Undervalued.
Key valuation signals for BOM:539492:
3-Year ROIIC %: 140.17 (473% above median its 10-year median of 24.48)
GF Value™: ₹10.92 vs. price of ₹8.71 (20.2% below fair value)
Industry Position: 4700.3% above the Credit Services median (#10 of 397)
No single metric tells the full story. See the BOM:539492 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Garbi Finvest Ltd is an Indian non-banking financial company. The company's main business activities are Investment activities including advancing and financing activities. It generates revenue in the form of interest income.
60GF Score
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