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Aadhar Housing FinanceBOM:544176 +1.92%36 3-Year ROIIC % is 8.69 as of Mar. 2026, which is 9% above its 10-year median of 7.94. GuruFocus rates BOM:544176 with a GF Score™ of 36/100. The stock has 6 warning signs investors should review. Among 46 Banks companies, Aadhar Housing Finance ranks better than 78.26% 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.
Aadhar Housing Finance's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 8.69%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Aadhar Housing Finance's 3-Year ROIIC % or its related term are showing as below:
BOM:544176's 3-Year ROIIC % is ranked better than 78.26% of 46
companies
in the Banks industry
Industry Median: 1.845
vs BOM:544176: 8.69
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.
Aadhar Housing Finance 3-Year ROIIC % Related Terms
Aadhar Housing Finance 3-Year ROIIC % Historical Data
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The historical data trend for Aadhar Housing Finance'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:544176 vs RKT, FNMA, PFSI: 3-Year ROIIC % Comparison
For the Mortgage Finance subindustry, Aadhar Housing 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.
Aadhar Housing Finance 3-Year ROIIC % vs Banks Industry
For the Banks industry and Financial Services sector, Aadhar Housing Finance's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Aadhar Housing Finance'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.
Aadhar Housing Finance (BOM:544176) has a 3-Year ROIIC % of 8.69 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 Aadhar Housing Finance and its competitors. This is near median its historical median of 7.94. Over the past decade, Aadhar Housing Finance's 3-Year ROIIC % has ranged from 6.88 to 8.69. According to the industry distribution chart, Aadhar Housing Finance ranks #10 out of 46 companies in the Banks industry, placing it in the top 21.7%.
Is Aadhar Housing Finance's 3-Year ROIIC % too high?
Aadhar Housing Finance's current 3-Year ROIIC % of 8.69 is near median its 10-year median of 7.94. Over the past 10 years, this metric has ranged from a low of 6.88 to a high of 8.69. The Banks industry median 3-Year ROIIC % is 1.85. Aadhar Housing Finance's value of 8.69 is 371% above this industry median. Based on the distribution chart, Aadhar Housing Finance ranks #10 out of 46 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Aadhar Housing Finance has a GF Score™ of 36/100, reflecting its overall financial health beyond just this single metric.
How does Aadhar Housing Finance's 3-Year ROIIC % compare to RKT and FNMA?
According to the Banks industry distribution chart, Aadhar Housing Finance ranks #10 out of 46 companies for 3-Year ROIIC %. This places Aadhar Housing Finance in the top 22% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 1.85. Aadhar Housing Finance's value of 8.69 is 371% above this benchmark. Historically, Aadhar Housing Finance's own 3-Year ROIIC % has ranged from 6.88 to 8.69 over the past decade. While the company's 10-year median is 7.94 vs. the industry median of 1.85, Aadhar Housing 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 Banks company?
The median 3-Year ROIIC % among Banks companies is 1.85, based on 46 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. Aadhar Housing Finance's current 3-Year ROIIC % of 8.69 is 371% 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 Aadhar Housing Finance and its competitors. For the Banks industry, the median 3-Year ROIIC % is 1.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aadhar Housing Finance's current 3-Year ROIIC % is 8.69, which is near median its own 10-year median of 7.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aadhar Housing Finance stock overvalued right now?
Aadhar Housing Finance (BOM:544176) has a current 3-Year ROIIC % of 8.69. The current 3-Year ROIIC % is 8.69, which is near median its 10-year median of 7.94 and 371% above the Banks industry median of 1.85. Aadhar Housing Finance's overall GF Score™ is 36/100 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 Aadhar Housing Finance (BOM:544176), the current 3-Year ROIIC % is 8.69 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.
Aadhar Housing Finance Ltd is a housing finance company. It provides home loan services to the low-to-middle-income group segment in the low-income housing finance sector. The Company offers a range of mortgage-related loan products, including loans for residential property purchase and construction; home improvement and extension loans; loans for commercial property construction and acquisition, and loans against residential properties. Geographically, it generates all of its revenue within India.
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