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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.
Arman Financial Services's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 5.32%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Arman Financial Services's 3-Year ROIIC % or its related term are showing as below:
NSE:ARMANFIN's 3-Year ROIIC % is ranked better than 58.59% of 396
companies
in the Credit Services industry
Industry Median: 2.9
vs NSE:ARMANFIN: 5.32
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.
Arman Financial Services 3-Year ROIIC % Related Terms
Arman Financial Services 3-Year ROIIC % Historical Data
* 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.
NSE:ARMANFIN vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Arman Financial Services'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.
Arman Financial Services 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Arman Financial Services's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Arman Financial Services'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.
Arman Financial Services (NSE:ARMANFIN) has a 3-Year ROIIC % of 5.32 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 Arman Financial Services and its competitors. This is near median its historical median of 5.10. Over the past decade, Arman Financial Services' 3-Year ROIIC % has ranged from 1.61 to 21.65. According to the industry distribution chart, Arman Financial Services ranks #164 out of 396 companies in the Credit Services industry, placing it in the top 41.4%.
Is Arman Financial Services' 3-Year ROIIC % too high?
Arman Financial Services' current 3-Year ROIIC % of 5.32 is near median its 10-year median of 5.10. Over the past 10 years, this metric has ranged from a low of 1.61 to a high of 21.65. The Credit Services industry median 3-Year ROIIC % is 2.90. Arman Financial Services' value of 5.32 is 83.4% above this industry median. Based on the distribution chart, Arman Financial Services ranks #164 out of 396 companies in the Credit Services industry, which is above the industry midpoint. Overall, Arman Financial Services has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Arman Financial Services' 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Arman Financial Services ranks #164 out of 396 companies for 3-Year ROIIC %. This puts Arman Financial Services in the upper half of its industry. The industry median 3-Year ROIIC % is 2.90. Arman Financial Services' value of 5.32 is 83.4% above this benchmark. Historically, Arman Financial Services' own 3-Year ROIIC % has ranged from 1.61 to 21.65 over the past decade. While the company's 10-year median is 5.10 vs. the industry median of 2.90, Arman Financial Services 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. Arman Financial Services's current 3-Year ROIIC % of 5.32 is 83.4% 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 Arman Financial Services 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. Arman Financial Services's current 3-Year ROIIC % is 5.32, which is near median its own 10-year median of 5.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Arman Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Arman Financial Services (NSE:ARMANFIN) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹1,773.34, compared to a current price of ₹1,966.70 — trading 10.9% above its estimated fair value. The current 3-Year ROIIC % is 5.32, which is near median its 10-year median of 5.10 and 83.4% above the Credit Services industry median of 2.90. Arman Financial Services' overall GF Score™ is 80/100 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 Arman Financial Services (NSE:ARMANFIN), the current 3-Year ROIIC % is 5.32 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 Arman Financial Services (NSE:ARMANFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Arman Financial Services stock appears to be overvalued.
The current stock price of ₹1,966.70 is trading 10.9% above its estimated GF Value™ of ₹1,773.34.
GuruFocus considers Arman Financial Services to be Modestly Overvalued.
Key valuation signals for NSE:ARMANFIN:
3-Year ROIIC %: 5.32 (near median its 10-year median of 5.10)
GF Value™: ₹1,773.34 vs. price of ₹1,966.70 (10.9% above fair value)
Industry Position: 83.4% above the Credit Services median (#164 of 396)
No single metric tells the full story. See the NSE:ARMANFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Arman Financial Services Ltd is a Non-Banking Financial Company (NBFC-AFC) registered with the RBI. It specialises in financing two-wheeler purchases to MSMEs and extends microfinance services through its subsidiary focusing on women entrepreneurs. The Company has a presence in several Indian states, strategically focusing on rural and semi-urban areas. It serves the underserved informal sector with small-scale retail loans. The company generates the majority of its revenue from Interest Income. All the operations of the company are in India.
80GF Score
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