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Finbud Financial ServicesNSE:FINBUD +1.11%19 3-Year ROIIC % is 12.31 as of Mar. 2026, which is at its 10-year median of 12.31. GuruFocus rates NSE:FINBUD with a GF Score™ of 19/100. The stock has 2 warning signs investors should review. Among 395 Credit Services companies, Finbud Financial Services ranks better than 75.95% 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.
Finbud Financial Services's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 12.31%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Finbud Financial Services's 3-Year ROIIC % or its related term are showing as below:
NSE:FINBUD's 3-Year ROIIC % is ranked better than 75.95% of 395
companies
in the Credit Services industry
Industry Median: 2.9
vs NSE:FINBUD: 12.31
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.
Finbud Financial Services 3-Year ROIIC % Related Terms
Finbud 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.
Finbud Financial Services 3-Year ROIIC % Chart
Finbud Financial Services Annual Data
Trend
Mar23
Mar24
Mar25
Mar26
3-Year ROIIC %
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0.00
0.00
12.31
Finbud Financial Services Semi-Annual Data
Mar23
Mar24
Mar25
Mar26
3-Year ROIIC %
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0.00
12.31
NSE:FINBUD vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Finbud 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.
Finbud Financial Services 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finbud Financial Services's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Finbud 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.
Finbud Financial Services (NSE:FINBUD) has a 3-Year ROIIC % of 12.31 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 Finbud Financial Services and its competitors. This is near median its historical median of 12.31. Over the past decade, Finbud Financial Services' 3-Year ROIIC % has ranged from 12.31 to 12.31. According to the industry distribution chart, Finbud Financial Services ranks #95 out of 395 companies in the Credit Services industry, placing it in the top 24.1%.
Is Finbud Financial Services' 3-Year ROIIC % too high?
Finbud Financial Services' current 3-Year ROIIC % of 12.31 is near median its 10-year median of 12.31. Over the past 10 years, this metric has ranged from a low of 12.31 to a high of 12.31. The Credit Services industry median 3-Year ROIIC % is 2.90. Finbud Financial Services' value of 12.31 is 324.5% above this industry median. Based on the distribution chart, Finbud Financial Services ranks #95 out of 395 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Finbud Financial Services has a GF Score™ of 19/100, reflecting its overall financial health beyond just this single metric.
How does Finbud Financial Services' 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Finbud Financial Services ranks #95 out of 395 companies for 3-Year ROIIC %. This places Finbud Financial Services in the top 24% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 2.90. Finbud Financial Services' value of 12.31 is 324.5% above this benchmark. Historically, Finbud Financial Services' own 3-Year ROIIC % has ranged from 12.31 to 12.31 over the past decade. While the company's 10-year median is 12.31 vs. the industry median of 2.90, Finbud 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 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. Finbud Financial Services's current 3-Year ROIIC % of 12.31 is 324.5% 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 Finbud 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. Finbud Financial Services's current 3-Year ROIIC % is 12.31, which is near median its own 10-year median of 12.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finbud Financial Services stock overvalued right now?
Finbud Financial Services (NSE:FINBUD) has a current 3-Year ROIIC % of 12.31. The current 3-Year ROIIC % is 12.31, which is near median its 10-year median of 12.31 and 324.5% above the Credit Services industry median of 2.90. Finbud Financial Services' overall GF Score™ is 19/100 with 2 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 Finbud Financial Services (NSE:FINBUD), the current 3-Year ROIIC % is 12.31 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.
Finbud Financial Services Ltd is engaged in the business of financial advisory, brokerage, and consultancy services, operating as a retail loan aggregation platform in India that helps people obtain personal, business, and home loans from banks and non-banking financial companies. The company acquires customers through a hybrid strategy using digital marketing and a wide network of external agents, and earns a commission from lenders upon loan disbursement. Its hybrid business model includes conventional lending through the Agent channel and digital lending through the Digital Channel, supported by partnerships with a wide network of lenders to offer tailored loan solutions that meet diverse customer needs.
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