ROC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROIC %. DFV Deutsche Familienversicherung AG's annualized return on capital (ROC %) for the quarter that ended in Jun. 2024 was 1.98%.
As of today (2026-06-26), DFV Deutsche Familienversicherung AG's WACC % is 0.00%. DFV Deutsche Familienversicherung AG's ROC % is 0.00% (calculated using TTM income statement data).
DFV Deutsche Familienversicherung AG earns returns that do not match up to its cost of capital. It will destroy value as it grows.
DFV Deutsche Familienversicherung AG (HAM:DFV) ROC % Explanation
ROC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROIC %. The reason book values of debt and equity are used is because the book values are the capital the company received when issuing the debt or receiving the equity investments.
There are four key components to this definition. The first is the use of operating income or EBIT rather than net income in the numerator. The second is the tax adjustment to this operating income or EBIT, computed as a hypothetical tax based on an effective or marginal tax rate. The third is the use of book values for invested capital, rather than market values. The final is the timing difference; the capital invested is from the end of the prior year whereas the operating income or EBIT is the current year's number.
Why is ROC % important?
Because it costs money to raise capital. A firm that generates higher returns on investment than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.
As of today, DFV Deutsche Familienversicherung AG's WACC % is 0.00%. DFV Deutsche Familienversicherung AG's ROC % is 0.00% (calculated using TTM income statement data).
DFV Deutsche Familienversicherung AG earns returns that do not match up to its cost of capital. It will destroy value as it grows.
Be Aware
Like ROE % and ROA %, ROC % is calculated with only 12 months of data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
DFV Deutsche Familienversicherung AG ROC % Related Terms
DFV Deutsche Familienversicherung AG ROC % 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.
Note:
The EBIT data used here is two times the semi-annual (Jun. 2024) data.
The tax rate is limited to between 0% and 100%.
* 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.
DFV Deutsche Familienversicherung AG (HAM:DFV) has a ROC % of 1.98% as of Jun. 2024. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on DFV Deutsche Familienversicherung AG and its competitors.
Is DFV Deutsche Familienversicherung AG's ROC % too high?
DFV Deutsche Familienversicherung AG's current ROC % is 1.98%. The Insurance industry median ROC % is 3.36. DFV Deutsche Familienversicherung AG's value of 1.98% is 41.1% below this industry median. Overall, DFV Deutsche Familienversicherung AG has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does DFV Deutsche Familienversicherung AG's ROC % compare to BRK.A and AIG?
DFV Deutsche Familienversicherung AG's ROC % of 1.98% can be compared against companies in the Insurance industry. The industry median ROC % is 3.36. DFV Deutsche Familienversicherung AG's value of 1.98% is 41.1% 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 ROC % for an Insurance company?
The median ROC % among Insurance companies is 3.36, based on 368 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. DFV Deutsche Familienversicherung AG's current ROC % of 1.98% is 41.1% 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on DFV Deutsche Familienversicherung AG and its competitors. For the Insurance industry, the median ROC % is 3.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. DFV Deutsche Familienversicherung AG's current ROC % is 1.98%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is DFV Deutsche Familienversicherung AG stock overvalued right now?
DFV Deutsche Familienversicherung AG (HAM:DFV) has a current ROC % of 1.98%. The current ROC % is 1.98% and 41.1% below the Insurance industry median of 3.36. DFV Deutsche Familienversicherung AG's overall GF Score™ is 10/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For DFV Deutsche Familienversicherung AG (HAM:DFV), the current ROC % is 1.98% as of Jun. 2024. 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.
DFV Deutsche Familienversicherung AG Business Description
DFV Deutsche Familienversicherung AG is an InsurTech company. As a digital insurance company, the company covers the entire value chain with its products. The company's goal is to offer insurance products that people really need and understand immediately. The company offers its customers multiple supplementary health insurance (dental, health, and long-term care insurance) as well as property/casualty insurance. Its segments are Supplementary Health, Property and Casualty, and Pet Health Insurance.
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