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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.
Indostar Capital Finance's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was -95.43%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Indostar Capital Finance's 3-Year ROIIC % or its related term are showing as below:
NSE:INDOSTAR's 3-Year ROIIC % is ranked worse than 96.19% of 394
companies
in the Credit Services industry
Industry Median: 2.9
vs NSE:INDOSTAR: -95.43
Indostar Capital Finance (NSE:INDOSTAR) 3-Year ROIIC % Explanation
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.
Indostar Capital Finance 3-Year ROIIC % Related Terms
Indostar Capital Finance 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:INDOSTAR vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Indostar Capital 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.
Indostar Capital Finance 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Indostar Capital Finance's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Indostar Capital 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.
Indostar Capital Finance (NSE:INDOSTAR) has a 3-Year ROIIC % of -95.43 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 Indostar Capital Finance and its competitors. According to the industry distribution chart, Indostar Capital Finance ranks #379 out of 394 companies in the Credit Services industry, placing it in the top 96.2%.
Is Indostar Capital Finance's 3-Year ROIIC % too high?
Indostar Capital Finance's current 3-Year ROIIC % is -95.43. Based on the distribution chart, Indostar Capital Finance ranks #379 out of 394 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Indostar Capital Finance has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Indostar Capital Finance's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Indostar Capital Finance ranks #379 out of 394 companies for 3-Year ROIIC %. This places Indostar Capital Finance in the lower half of its industry. The industry median 3-Year ROIIC % is 2.90. 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 394 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. 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 Indostar Capital Finance 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. Indostar Capital Finance's current 3-Year ROIIC % is -95.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Indostar Capital Finance stock overvalued right now?
Based on GuruFocus' analysis, Indostar Capital Finance (NSE:INDOSTAR) is currently considered Fairly Valued. The stock's GF Value™ is ₹237.44, compared to a current price of ₹233.40 — trading 1.7% below its estimated fair value. The current 3-Year ROIIC % is -95.43. Indostar Capital Finance's overall GF Score™ is 71/100 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 Indostar Capital Finance (NSE:INDOSTAR), the current 3-Year ROIIC % is -95.43 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 Indostar Capital Finance (NSE:INDOSTAR) Overvalued in 2026?
Based on GuruFocus' analysis, Indostar Capital Finance stock appears to be undervalued.
The current stock price of ₹233.40 is trading 1.7% below its estimated GF Value™ of ₹237.44.
GuruFocus considers Indostar Capital Finance to be Fairly Valued.
Key valuation signals for NSE:INDOSTAR:
3-Year ROIIC %: -95.43
GF Value™: ₹237.44 vs. price of ₹233.40 (1.7% below fair value)
No single metric tells the full story. See the NSE:INDOSTAR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Indostar Capital Finance Ltd is a non-banking finance company. It is engaged in the business of lending to used and new commercial vehicles, corporates, SME businesses, and Micro businesses. Through its subsidiaries, it also offers investment advisory, housing finance, and asset management services. The group operates in the following segments: Large Corporate, SME, Commercial vehicle, and Housing Finance. The majority of its revenue is generated from the Commercial vehicle segment, which mainly consists of financing for used and new vehicles. Geographically, all of its operations are carried out within India.
71GF Score
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