AIA GroupAAIGF +0.60%58 3-Year ROIIC % is 4.23 as of Dec. 2025, which is 8% above its 10-year median of 3.92. GuruFocus rates AAIGF with a GF Score™ of 58/100 and a GF Value™ of $9.72 (Fairly Valued). The stock has 2 warning signs investors should review. Among 335 Insurance companies, AIA Group ranks worse than 55.22% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
AIA Group's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 4.23%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for AIA Group's 3-Year ROIIC % or its related term are showing as below:
AAIGF's 3-Year ROIIC % is ranked worse than 55.22% of 335
companies
in the Insurance industry
Industry Median: 5.2
vs AAIGF: 4.23
AIA Group (OTCPK:AAIGF) 3-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.
AIA Group 3-Year ROIIC % Related Terms
AIA Group 3-Year ROIIC % Historical Data
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The historical data trend for AIA Group's 3-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 Insurance - Life subindustry, AIA Group's 3-Year ROIIC %, along with its competitors' market caps and 3-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.
AIA Group 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, AIA Group's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where AIA Group's 3-Year ROIIC % falls into.
AIA Group's 3-Year ROIIC % for the quarter that ended in Dec. 2025 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 6822.7992 (Dec. 2025) - 3684.37 (Dec. 2022) )
/
( 333109.2 (Dec. 2025) - 258729 (Dec. 2022) )
=
3138.4292
/
74380.2
=
4.22%***
* 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 3-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.
AIA Group (AAIGF) has a 3-Year ROIIC % of 4.23 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on AIA Group and its competitors. This is near median its historical median of 3.92. According to the industry distribution chart, AIA Group ranks #185 out of 335 companies in the Insurance industry, placing it in the top 55.2%.
Is AIA Group's 3-Year ROIIC % too high?
AIA Group's current 3-Year ROIIC % of 4.23 is near median its 10-year median of 3.92. The Insurance industry median 3-Year ROIIC % is 5.20. AIA Group's value of 4.23 is 18.7% below this industry median. Based on the distribution chart, AIA Group ranks #185 out of 335 companies in the Insurance industry, which is below the industry midpoint. Overall, AIA Group has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does AIA Group's 3-Year ROIIC % compare to AFL and MET?
According to the Insurance industry distribution chart, AIA Group ranks #185 out of 335 companies for 3-Year ROIIC %. This places AIA Group in the lower half of its industry. The industry median 3-Year ROIIC % is 5.20. AIA Group's value of 4.23 is 18.7% below this benchmark. While the company's 10-year median is 3.92 vs. the industry median of 5.20, AIA Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.20, based on 335 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AIA Group's current 3-Year ROIIC % of 4.23 is 18.7% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on AIA Group and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AIA Group's current 3-Year ROIIC % is 4.23, which is near median its own 10-year median of 3.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIA Group stock overvalued right now?
Based on GuruFocus' analysis, AIA Group (AAIGF) is currently considered Fairly Valued. The stock's GF Value™ is $9.72, compared to a current price of $9.00 — trading 7.4% below its estimated fair value. The current 3-Year ROIIC % is 4.23, which is near median its 10-year median of 3.92 and 18.7% below the Insurance industry median of 5.20. AIA Group's overall GF Score™ is 58/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For AIA Group (AAIGF), the current 3-Year ROIIC % is 4.23 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 AIA Group (AAIGF) Overvalued in 2026?
Based on GuruFocus' analysis, AIA Group stock appears to be undervalued.
The current stock price of $9.00 is trading 7.4% below its estimated GF Value™ of $9.72.
GuruFocus considers AIA Group to be Fairly Valued.
Key valuation signals for AAIGF:
3-Year ROIIC %: 4.23 (near median its 10-year median of 3.92)
GF Value™: $9.72 vs. price of $9.00 (7.4% below fair value)
Industry Position: 18.7% below the Insurance median (#185 of 335)
No single metric tells the full story. See the AAIGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Headquartered in Hong Kong, AIA stands as one of the largest pan-Asian life insurance providers, offering a diversified portfolio of products spanning retirement savings plans, life insurance, and accident and health coverage. Formerly a subsidiary of American International Group, the company spun off and listed independently on the Hong Kong Stock Exchange in 2010. Beyond individual customers, AIA also delivers employee benefits, credit life, and pension services to corporate clients. With operations across 18 markets, the insurer serves more than 30 million individual policyholders and over 16 million members participating in group insurance schemes.
58GF Score
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