HDB Financial ServicesNSE:HDBFS +2.80%22 3-Year ROIIC % is 5.34 as of Mar. 2026, which is at its 10-year median of 5.34. GuruFocus rates NSE:HDBFS with a GF Score™ of 22/100. The stock has 4 warning signs investors should review. Among 392 Credit Services companies, HDB Financial Services ranks better than 60.46% 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.
HDB Financial Services's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 5.34%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for HDB Financial Services's 3-Year ROIIC % or its related term are showing as below:
NSE:HDBFS's 3-Year ROIIC % is ranked better than 60.46% of 392
companies
in the Credit Services industry
Industry Median: 2.675
vs NSE:HDBFS: 5.34
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.
HDB Financial Services 3-Year ROIIC % Related Terms
HDB Financial Services 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for HDB Financial Services'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.
NSE:HDBFS vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, HDB 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.
HDB Financial Services 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, HDB Financial Services's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where HDB 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.
HDB Financial Services (NSE:HDBFS) has a 3-Year ROIIC % of 5.34 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 HDB Financial Services and its competitors. This is near median its historical median of 5.34. Over the past decade, HDB Financial Services' 3-Year ROIIC % has ranged from 5.34 to 5.34. According to the industry distribution chart, HDB Financial Services ranks #155 out of 392 companies in the Credit Services industry, placing it in the top 39.5%.
Is HDB Financial Services' 3-Year ROIIC % too high?
HDB Financial Services' current 3-Year ROIIC % of 5.34 is near median its 10-year median of 5.34. Over the past 10 years, this metric has ranged from a low of 5.34 to a high of 5.34. The Credit Services industry median 3-Year ROIIC % is 2.68. HDB Financial Services' value of 5.34 is 99.6% above this industry median. Based on the distribution chart, HDB Financial Services ranks #155 out of 392 companies in the Credit Services industry, which is above the industry midpoint. Overall, HDB Financial Services has a GF Score™ of 22/100, reflecting its overall financial health beyond just this single metric.
How does HDB Financial Services' 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, HDB Financial Services ranks #155 out of 392 companies for 3-Year ROIIC %. This puts HDB Financial Services in the upper half of its industry. The industry median 3-Year ROIIC % is 2.68. HDB Financial Services' value of 5.34 is 99.6% above this benchmark. Historically, HDB Financial Services' own 3-Year ROIIC % has ranged from 5.34 to 5.34 over the past decade. While the company's 10-year median is 5.34 vs. the industry median of 2.68, HDB 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 2.68, based on 392 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. HDB Financial Services's current 3-Year ROIIC % of 5.34 is 99.6% 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 HDB Financial Services and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HDB Financial Services's current 3-Year ROIIC % is 5.34, which is near median its own 10-year median of 5.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HDB Financial Services stock overvalued right now?
HDB Financial Services (NSE:HDBFS) has a current 3-Year ROIIC % of 5.34. The current 3-Year ROIIC % is 5.34, which is near median its 10-year median of 5.34 and 99.6% above the Credit Services industry median of 2.68. HDB Financial Services' overall GF Score™ is 22/100 with 4 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 HDB Financial Services (NSE:HDBFS), the current 3-Year ROIIC % is 5.34 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.
HDB Financial Services Ltd is a non-banking finance company that provides lending services and business process outsourcing. The company also offers services related to the marketing and promotion of various financial products. Additionally, it provides BPO services that encompass back-office services such as form processing, document verification, finance and accounting services, and correspondence management, as well as front-office services including contact center management, outbound marketing, and collection services. The company's operating segments are: Lending services and BPO services. The majority of its revenue is generated from the Lending services segment, which includes providing finance to retail customers for a variety of purposes. Its operations are concentrated in India.
22GF Score
Get the complete analysis for NSE:HDBFS
3-Year ROIIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:HDBFS has been successfully added to your 