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 Company For Cooperative Insurance's annualized return on capital (ROC %) for the quarter that ended in Mar. 2026 was 5.59%.
The Company For Cooperative Insurance (SAU:8010) 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, The Company For Cooperative Insurance's WACC % is 13.26%. The Company For Cooperative Insurance's ROC % is 1.47% (calculated using TTM income statement data).
The Company For Cooperative Insurance 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.
The Company For Cooperative Insurance ROC % Related Terms
The Company For Cooperative Insurance 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 four times the quarterly (Mar. 2026) 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.
The Company For Cooperative Insurance (SAU:8010) has a ROC % of 5.59% as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on The Company For Cooperative Insurance and its competitors.
Is The Company For Cooperative Insurance's ROC % too high?
The Company For Cooperative Insurance's current ROC % is 5.59%. The Insurance industry median ROC % is 3.36. The Company For Cooperative Insurance's value of 5.59% is 66.4% above this industry median. Overall, The Company For Cooperative Insurance has a GF Score™ of 89/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does The Company For Cooperative Insurance's ROC % compare to AFL and MET?
The Company For Cooperative Insurance's ROC % of 5.59% can be compared against companies in the Insurance industry. The industry median ROC % is 3.36. The Company For Cooperative Insurance's value of 5.59% is 66.4% above 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 372 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. The Company For Cooperative Insurance's current ROC % of 5.59% is 66.4% 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 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 The Company For Cooperative Insurance 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. The Company For Cooperative Insurance's current ROC % is 5.59%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Company For Cooperative Insurance stock overvalued right now?
Based on GuruFocus' analysis, The Company For Cooperative Insurance (SAU:8010) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼197.03, compared to a current price of ﷼149.80 — trading 24% below its estimated fair value. The current ROC % is 5.59% and 66.4% above the Insurance industry median of 3.36. The Company For Cooperative Insurance's overall GF Score™ is 89/100 with 4 warning signs to review. 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 The Company For Cooperative Insurance (SAU:8010), the current ROC % is 5.59% 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 The Company For Cooperative Insurance (SAU:8010) Overvalued in 2026?
Based on GuruFocus' analysis, The Company For Cooperative Insurance stock appears to be undervalued.
The current stock price of ﷼149.80 is trading 24% below its estimated GF Value™ of ﷼197.03.
GuruFocus considers The Company For Cooperative Insurance to be Modestly Undervalued.
Key valuation signals for SAU:8010:
ROC %: 5.59%
GF Value™: ﷼197.03 vs. price of ﷼149.80 (24% below fair value)
Industry Position: 66.4% above the Insurance median
No single metric tells the full story. See the SAU:8010 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The Company For Cooperative Insurance Business Description
The Company For Cooperative Insurance is an insurance company. The company provides its customers with various insurance products, including medical, motor, fire, property, engineering, casualty, marine, aviation, Takaful, liability insurance, and many other types of insurance. The purpose of the company is to transact cooperative insurance operations and all related activities, including reinsurance and agency activities. The company is organized into business units based on its products and services and has eight reportable segments as follows: Medical, Medical Umrah, Motor insurance, Property and Casualty, General accidents- Hajj & Umrah insurance, Travel and COVID-19, Protection & Savings, and Inherent Insurance Defects.
89GF Score
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