ROIC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROC %. PensionBee Group's annualized return on invested capital (ROIC %) for the quarter that ended in Dec. 2025 was 47.90%.
As of today (2026-06-29), PensionBee Group's WACC % is 13.94%. PensionBee Group's ROIC % is -51.08% (calculated using TTM income statement data).
PensionBee Group earns returns that do not match up to its cost of capital. It will destroy value as it grows.
PensionBee Group (FRA:6HD) ROIC % Explanation
ROIC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROC %. 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 ROIC % 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, PensionBee Group's WACC % is 13.94%. PensionBee Group's ROIC % is -51.08% (calculated using TTM income statement data).
PensionBee Group 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 %, ROIC % 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.
PensionBee Group ROIC % Related Terms
PensionBee Group ROIC % Historical Data
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The historical data trend for PensionBee Group's ROIC % 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 Capital Markets subindustry, PensionBee Group's ROIC %, along with its competitors' market caps and ROIC % 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.
PensionBee Group ROIC % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, PensionBee Group's ROIC % distribution charts can be found below:
* The bar in red indicates where PensionBee Group's ROIC % falls into.
Note:
The Operating Income data used here is two times the semi-annual (Dec. 2025) 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.
PensionBee Group (FRA:6HD) has a ROIC % of 47.90% as of Dec. 2025. Return on invested capital is the ratio of current-period net income to average two-period invested capital. View historical data on PensionBee Group and its competitors.
Is PensionBee Group's ROIC % too high?
PensionBee Group's current ROIC % is 47.90%. The Capital Markets industry median ROIC % is 1.27. PensionBee Group's value of 47.90% is 3671.7% above this industry median. Overall, PensionBee Group has a GF Score™ of 79/100, reflecting its overall financial health beyond just this single metric.
How does PensionBee Group's ROIC % compare to MS and GS?
PensionBee Group's ROIC % of 47.90% can be compared against companies in the Capital Markets industry. The industry median ROIC % is 1.27. PensionBee Group's value of 47.90% is 3671.7% 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 ROIC % for a Capital Markets company?
The median ROIC % among Capital Markets companies is 1.27, based on 698 companies in the industry. Companies in the top quartile (top 25%) have a ROIC % significantly above this median, while those in the bottom quartile fall well below. However, ROIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PensionBee Group's current ROIC % of 47.90% is 3671.7% 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 ROIC % mean?
A high ROIC % can signal that a stock is expensive relative to its fundamentals. Return on invested capital is the ratio of current-period net income to average two-period invested capital. View historical data on PensionBee Group and its competitors. For the Capital Markets industry, the median ROIC % is 1.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PensionBee Group's current ROIC % is 47.90%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PensionBee Group stock overvalued right now?
PensionBee Group (FRA:6HD) has a current ROIC % of 47.90%. The stock's GF Value™ is €2.40, compared to a current price of €1.42 — trading 40.8% below its estimated fair value. The current ROIC % is 47.90% and 3671.7% above the Capital Markets industry median of 1.27. PensionBee Group's overall GF Score™ is 79/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROIC % calculated?
ROIC % is calculated from a company's financial statements. For PensionBee Group (FRA:6HD), the current ROIC % is 47.90% as of Dec. 2025. 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 PensionBee Group (FRA:6HD) Overvalued in 2026?
Based on GuruFocus' analysis, PensionBee Group stock appears to be undervalued.
The current stock price of €1.42 is trading 40.8% below its estimated GF Value™ of €2.40.
Key valuation signals for FRA:6HD:
ROIC %: 47.90%
GF Value™: €2.40 vs. price of €1.42 (40.8% below fair value)
Industry Position: 3671.7% above the Capital Markets median
No single metric tells the full story. See the FRA:6HD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PensionBee Group PLC is engaged in the provision of direct-to-consumer online pensions. The company helps its customers combine their old pension pots, make flexible contributions, invest in line with their goals and values, and make withdrawals after attaining a certain age. It offers a range of investment plans, including fossil fuel-free and impact investing options, from various asset managers. The firm generates a vast majority of its revenue in the form of fees it charges for fund administration. These fees are earned for administering the customer pension schemes and are charged based on a fixed percentage of the value of a customer's assets held by the pension scheme. Geographically, it generates the majority of its revenue from the United Kingdom.
79GF Score
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