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Usha Financial ServicesNSE:USHAFIN +0.29%12 3-Year ROIIC % is 24.83 as of Mar. 2026, which is 68% above its 10-year median of 14.79. GuruFocus rates NSE:USHAFIN with a GF Score™ of 12/100. The stock has 3 warning signs investors should review. Among 394 Credit Services companies, Usha Financial Services ranks better than 86.04% 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.
Usha Financial Services's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 24.83%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Usha Financial Services's 3-Year ROIIC % or its related term are showing as below:
NSE:USHAFIN's 3-Year ROIIC % is ranked better than 86.04% of 394
companies
in the Credit Services industry
Industry Median: 2.805
vs NSE:USHAFIN: 24.83
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.
Usha Financial Services 3-Year ROIIC % Related Terms
Usha 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:USHAFIN vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Usha 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.
Usha Financial Services 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Usha Financial Services's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Usha 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.
Usha Financial Services (NSE:USHAFIN) has a 3-Year ROIIC % of 24.83 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 Usha Financial Services and its competitors. This is 68% above median its historical median of 14.79. Over the past decade, Usha Financial Services' 3-Year ROIIC % has ranged from 4.74 to 24.83. According to the industry distribution chart, Usha Financial Services ranks #55 out of 394 companies in the Credit Services industry, placing it in the top 14%.
Is Usha Financial Services' 3-Year ROIIC % too high?
Usha Financial Services' current 3-Year ROIIC % of 24.83 is 68% above median its 10-year median of 14.79. Over the past 10 years, this metric has ranged from a low of 4.74 to a high of 24.83. The Credit Services industry median 3-Year ROIIC % is 2.81. Usha Financial Services' value of 24.83 is 785.2% above this industry median. Based on the distribution chart, Usha Financial Services ranks #55 out of 394 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Usha Financial Services has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Usha Financial Services' 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Usha Financial Services ranks #55 out of 394 companies for 3-Year ROIIC %. This places Usha Financial Services in the top 14% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 2.81. Usha Financial Services' value of 24.83 is 785.2% above this benchmark. Historically, Usha Financial Services' own 3-Year ROIIC % has ranged from 4.74 to 24.83 over the past decade. While the company's 10-year median is 14.79 vs. the industry median of 2.81, Usha 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 2.81, 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. Usha Financial Services's current 3-Year ROIIC % of 24.83 is 785.2% 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 Usha Financial Services and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Usha Financial Services's current 3-Year ROIIC % is 24.83, which is 68% above median its own 10-year median of 14.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Usha Financial Services stock overvalued right now?
Usha Financial Services (NSE:USHAFIN) has a current 3-Year ROIIC % of 24.83. The current 3-Year ROIIC % is 24.83, which is 68% above median its 10-year median of 14.79 and 785.2% above the Credit Services industry median of 2.81. Usha Financial Services' overall GF Score™ is 12/100 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 Usha Financial Services (NSE:USHAFIN), the current 3-Year ROIIC % is 24.83 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.
Usha Financial Services Ltd is a non-banking finance company. It provides lending solutions to fellow NBFCs, corporates, MSMEs, and individuals, particularly to women entrepreneurs. The company's services also extend to Electric vehicle (EV) financing. It provides diversified financial products to individuals, bodies corporates, NBFCs, and MSMEs.
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