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5-Year Return on Invested Incremental Capital (5-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 5-year.
Octal Credit Capital's 5-Year ROIIC % for the quarter that ended in Mar. 2026 was 2.65%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Octal Credit Capital's 5-Year ROIIC % or its related term are showing as below:
BOM:538894's 5-Year ROIIC % is ranked worse than 50.8% of 374
companies
in the Credit Services industry
Industry Median: 2.81
vs BOM:538894: 2.65
Octal Credit Capital (BOM:538894) 5-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.
Octal Credit Capital 5-Year ROIIC % Related Terms
Octal Credit Capital 5-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Octal Credit Capital's 5-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.
BOM:538894 vs V, MA, AXP: 5-Year ROIIC % Comparison
For the Credit Services subindustry, Octal Credit Capital's 5-Year ROIIC %, along with its competitors' market caps and 5-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.
Octal Credit Capital 5-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Octal Credit Capital's 5-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Octal Credit Capital's 5-Year ROIIC % falls into.
Octal Credit Capital's 5-Year ROIIC % for the quarter that ended in Mar. 2026 is calculated as:
5-Year ROIIC %
=
5-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
5-Year Incremental Invested Capital**
=
( 2.755 (Mar. 2026) - -0.4581521 (Mar. 2021) )
/
( 260.407 (Mar. 2026) - 139.363 (Mar. 2021) )
=
3.2131521
/
121.044
=
2.65%***
* 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 5-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.
Octal Credit Capital (BOM:538894) has a 5-Year ROIIC % of 2.65 as of Mar. 2026. 5-Year ROIIC % measures the change in earnings as a percentage of change in investment over 5-year. View historical data on Octal Credit Capital and its competitors. According to the industry distribution chart, Octal Credit Capital ranks #190 out of 374 companies in the Credit Services industry, placing it in the top 50.8%.
Is Octal Credit Capital's 5-Year ROIIC % too high?
Octal Credit Capital's current 5-Year ROIIC % is 2.65. The Credit Services industry median 5-Year ROIIC % is 2.81. Octal Credit Capital's value of 2.65 is 5.7% below this industry median. Based on the distribution chart, Octal Credit Capital ranks #190 out of 374 companies in the Credit Services industry, which is below the industry midpoint. Overall, Octal Credit Capital has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Octal Credit Capital's 5-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Octal Credit Capital ranks #190 out of 374 companies for 5-Year ROIIC %. This places Octal Credit Capital in the lower half of its industry. The industry median 5-Year ROIIC % is 2.81. Octal Credit Capital's value of 2.65 is 5.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year ROIIC % for a Credit Services company?
The median 5-Year ROIIC % among Credit Services companies is 2.81, based on 374 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Octal Credit Capital's current 5-Year ROIIC % of 2.65 is 5.7% below 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 5-Year ROIIC % mean?
A high 5-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 5-Year ROIIC % measures the change in earnings as a percentage of change in investment over 5-year. View historical data on Octal Credit Capital and its competitors. For the Credit Services industry, the median 5-Year ROIIC % is 2.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Octal Credit Capital's current 5-Year ROIIC % is 2.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Octal Credit Capital stock overvalued right now?
Based on GuruFocus' analysis, Octal Credit Capital (BOM:538894) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹22.95, compared to a current price of ₹19.50 — trading 15% below its estimated fair value. The current 5-Year ROIIC % is 2.65 and 5.7% below the Credit Services industry median of 2.81. Octal Credit Capital's overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year ROIIC % calculated?
5-Year ROIIC % is calculated from a company's financial statements. For Octal Credit Capital (BOM:538894), the current 5-Year ROIIC % is 2.65 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 Octal Credit Capital (BOM:538894) Overvalued in 2026?
Based on GuruFocus' analysis, Octal Credit Capital stock appears to be undervalued.
The current stock price of ₹19.50 is trading 15% below its estimated GF Value™ of ₹22.95.
GuruFocus considers Octal Credit Capital to be Modestly Undervalued.
Key valuation signals for BOM:538894:
5-Year ROIIC %: 2.65
GF Value™: ₹22.95 vs. price of ₹19.50 (15% below fair value)
Industry Position: 5.7% below the Credit Services median (#190 of 374)
No single metric tells the full story. See the BOM:538894 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Octal Credit Capital Ltd is a non-banking financial company. The company provides financial services which include loans, financing and trading in shares and securities, investment and trading in mutual funds, corporate loans, and personal loans. The company has two operating segments Financing Activity and Trading in Shares and Security, and Investment Activity. The company generates maximum revenue from the Financing Activity segment.
63GF Score
Get the complete analysis for BOM:538894
5-Year ROIIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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