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SBFC FinanceNSE:SBFC -1.97%63 3-Year ROIIC % is 9.98 as of Mar. 2026, which is 4% above its 10-year median of 9.59. GuruFocus rates NSE:SBFC with a GF Score™ of 63/100 and a GF Value™ of ₹129.23 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 393 Credit Services companies, SBFC Finance ranks better than 72.52% 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.
SBFC Finance's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 9.98%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for SBFC Finance's 3-Year ROIIC % or its related term are showing as below:
NSE:SBFC's 3-Year ROIIC % is ranked better than 72.52% of 393
companies
in the Credit Services industry
Industry Median: 2.76
vs NSE:SBFC: 9.98
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.
SBFC Finance 3-Year ROIIC % Related Terms
SBFC Finance 3-Year ROIIC % Historical Data
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The historical data trend for SBFC 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.
For the Credit Services subindustry, SBFC 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.
SBFC Finance 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SBFC Finance's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where SBFC 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.
SBFC Finance (NSE:SBFC) has a 3-Year ROIIC % of 9.98 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 SBFC Finance and its competitors. This is near median its historical median of 9.59. Over the past decade, SBFC Finance's 3-Year ROIIC % has ranged from 8.42 to 10.51. According to the industry distribution chart, SBFC Finance ranks #108 out of 393 companies in the Credit Services industry, placing it in the top 27.5%.
Is SBFC Finance's 3-Year ROIIC % too high?
SBFC Finance's current 3-Year ROIIC % of 9.98 is near median its 10-year median of 9.59. Over the past 10 years, this metric has ranged from a low of 8.42 to a high of 10.51. The Credit Services industry median 3-Year ROIIC % is 2.76. SBFC Finance's value of 9.98 is 261.6% above this industry median. Based on the distribution chart, SBFC Finance ranks #108 out of 393 companies in the Credit Services industry, which is above the industry midpoint. Overall, SBFC Finance has a GF Score™ of 63/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SBFC Finance's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, SBFC Finance ranks #108 out of 393 companies for 3-Year ROIIC %. This puts SBFC Finance in the upper half of its industry. The industry median 3-Year ROIIC % is 2.76. SBFC Finance's value of 9.98 is 261.6% above this benchmark. Historically, SBFC Finance's own 3-Year ROIIC % has ranged from 8.42 to 10.51 over the past decade. While the company's 10-year median is 9.59 vs. the industry median of 2.76, SBFC 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 Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.76, based on 393 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. SBFC Finance's current 3-Year ROIIC % of 9.98 is 261.6% 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 SBFC Finance and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBFC Finance's current 3-Year ROIIC % is 9.98, which is near median its own 10-year median of 9.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBFC Finance stock overvalued right now?
Based on GuruFocus' analysis, SBFC Finance (NSE:SBFC) is currently considered Possible Value Trap. The stock's GF Value™ is ₹129.23, compared to a current price of ₹90.52 — trading 30% below its estimated fair value. The current 3-Year ROIIC % is 9.98, which is near median its 10-year median of 9.59 and 261.6% above the Credit Services industry median of 2.76. SBFC Finance's overall GF Score™ is 63/100 with 3 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 SBFC Finance (NSE:SBFC), the current 3-Year ROIIC % is 9.98 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 SBFC Finance (NSE:SBFC) Overvalued in 2026?
Based on GuruFocus' analysis, SBFC Finance stock appears to be undervalued.
The current stock price of ₹90.52 is trading 30% below its estimated GF Value™ of ₹129.23.
GuruFocus considers SBFC Finance to be Possible Value Trap.
Key valuation signals for NSE:SBFC:
3-Year ROIIC %: 9.98 (near median its 10-year median of 9.59)
GF Value™: ₹129.23 vs. price of ₹90.52 (30% below fair value)
Industry Position: 261.6% above the Credit Services median (#108 of 393)
No single metric tells the full story. See the NSE:SBFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SBFC Finance Ltd is a systemically important, non-deposit-taking non-banking finance company offering Secured MSME Loans and Loans against Gold, with a majority of its borrowers being entrepreneurs, small business owners, self-employed individuals, salaried and working-class individuals. It has developed a PhyGital model which uses technology and authentic in-person service to create loans that support the ambitions of its customers. The company engages directly with small business owners and works through loan applications together, in person, at the customer's pace. The company generates the majority of its revenue from Interest Income.
63GF Score
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