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Fon SEWAR:FON -4.32%71 10-Year ROIIC % is 0.68 as of Jun. 2025. GuruFocus rates WAR:FON with a GF Score™ of 71/100 and a GF Value™ of zł2.69 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 346 Credit Services companies, Fon SE ranks worse than 63.58% on this metric.
10-Year Return on Invested Incremental Capital (10-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 10-year.
Fon SE's 10-Year ROIIC % for the quarter that ended in Jun. 2025 was 0.68%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Fon SE's 10-Year ROIIC % or its related term are showing as below:
WAR:FON's 10-Year ROIIC % is ranked worse than 63.58% of 346
companies
in the Credit Services industry
Industry Median: 2.8
vs WAR:FON: 0.68
Fon SE (WAR:FON) 10-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.
Fon SE 10-Year ROIIC % Related Terms
Fon SE 10-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Fon SE's 10-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.
For the Credit Services subindustry, Fon SE's 10-Year ROIIC %, along with its competitors' market caps and 10-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.
Fon SE 10-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Fon SE's 10-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Fon SE's 10-Year ROIIC % falls into.
Fon SE's 10-Year ROIIC % for the quarter that ended in Jun. 2025 is calculated as:
10-Year ROIIC %
=
10-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
10-Year Incremental Invested Capital**
=
( 2.331 (Jun. 2025) - 2.9213005 (Dec. 2014) )
/
( 44.345 (Jun. 2025) - 131.481 (Dec. 2014) )
=
-0.5903005
/
-87.136
=
0.68%***
* 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 10-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.
Fon SE (WAR:FON) has a 10-Year ROIIC % of 0.68 as of Jun. 2025. 10-Year ROIIC % measures the change in earnings as a percentage of change in investment over 10-year. View historical data on Fon SE and its competitors. According to the industry distribution chart, Fon SE ranks #220 out of 346 companies in the Credit Services industry, placing it in the top 63.6%.
Is Fon SE's 10-Year ROIIC % too high?
Fon SE's current 10-Year ROIIC % is 0.68. The Credit Services industry median 10-Year ROIIC % is 2.80. Fon SE's value of 0.68 is 75.7% below this industry median. Based on the distribution chart, Fon SE ranks #220 out of 346 companies in the Credit Services industry, which is below the industry midpoint. Overall, Fon SE has a GF Score™ of 71/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Fon SE's 10-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Fon SE ranks #220 out of 346 companies for 10-Year ROIIC %. This places Fon SE in the lower half of its industry. The industry median 10-Year ROIIC % is 2.80. Fon SE's value of 0.68 is 75.7% 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 10-Year ROIIC % for a Credit Services company?
The median 10-Year ROIIC % among Credit Services companies is 2.80, based on 346 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fon SE's current 10-Year ROIIC % of 0.68 is 75.7% 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 10-Year ROIIC % mean?
A high 10-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 10-Year ROIIC % measures the change in earnings as a percentage of change in investment over 10-year. View historical data on Fon SE and its competitors. For the Credit Services industry, the median 10-Year ROIIC % is 2.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fon SE's current 10-Year ROIIC % is 0.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fon SE stock overvalued right now?
Based on GuruFocus' analysis, Fon SE (WAR:FON) is currently considered Possible Value Trap. The stock's GF Value™ is zł2.69, compared to a current price of zł1.77 — trading 34.2% below its estimated fair value. The current 10-Year ROIIC % is 0.68 and 75.7% below the Credit Services industry median of 2.80. Fon SE's overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 10-Year ROIIC % calculated?
10-Year ROIIC % is calculated from a company's financial statements. For Fon SE (WAR:FON), the current 10-Year ROIIC % is 0.68 as of Jun. 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 Fon SE (WAR:FON) Overvalued in 2026?
Based on GuruFocus' analysis, Fon SE stock appears to be undervalued.
The current stock price of zł1.77 is trading 34.2% below its estimated GF Value™ of zł2.69.
GuruFocus considers Fon SE to be Possible Value Trap.
Key valuation signals for WAR:FON:
10-Year ROIIC %: 0.68
GF Value™: zł2.69 vs. price of zł1.77 (34.2% below fair value)
Industry Position: 75.7% below the Credit Services median (#220 of 346)
No single metric tells the full story. See the WAR:FON stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fon SE is engaged in financial activities and capital investments. The company offers medium-term cash loans to retail clients and small businesses and generates revenue through interest on loans granted. Geographically, it derives a majority of its revenue from its customers in Poland and the rest from Estonia.
71GF Score
Get the complete analysis for WAR:FON
10-Year ROIIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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