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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.
Al Wathba National Insurance Co PJSC's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 11.85%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Al Wathba National Insurance Co PJSC (ADX:AWNIC) 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.
Al Wathba National Insurance Co PJSC 3-Year ROIIC % Related Terms
Al Wathba National Insurance Co PJSC 3-Year ROIIC % 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.
Al Wathba National Insurance Co PJSC 3-Year ROIIC % Chart
ADX:AWNIC vs CB, PGR, TRV: 3-Year ROIIC % Comparison
For the Insurance - Property & Casualty subindustry, Al Wathba National Insurance Co PJSC'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.
Al Wathba National Insurance Co PJSC 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Wathba National Insurance Co PJSC's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Al Wathba National Insurance Co PJSC's 3-Year ROIIC % falls into.
* 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.
Al Wathba National Insurance Co PJSC (ADX:AWNIC) has a 3-Year ROIIC % of 11.85 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 Al Wathba National Insurance Co PJSC and its competitors. According to the industry distribution chart, Al Wathba National Insurance Co PJSC ranks #109 out of 336 companies in the Insurance industry, placing it in the top 32.4%.
Is Al Wathba National Insurance Co PJSC's 3-Year ROIIC % too high?
Al Wathba National Insurance Co PJSC's current 3-Year ROIIC % is 11.85. The Insurance industry median 3-Year ROIIC % is 5.16. Al Wathba National Insurance Co PJSC's value of 11.85 is 129.7% above this industry median. Based on the distribution chart, Al Wathba National Insurance Co PJSC ranks #109 out of 336 companies in the Insurance industry, which is above the industry midpoint. Overall, Al Wathba National Insurance Co PJSC has a GF Score™ of 68/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al Wathba National Insurance Co PJSC's 3-Year ROIIC % compare to CB and PGR?
According to the Insurance industry distribution chart, Al Wathba National Insurance Co PJSC ranks #109 out of 336 companies for 3-Year ROIIC %. This puts Al Wathba National Insurance Co PJSC in the upper half of its industry. The industry median 3-Year ROIIC % is 5.16. Al Wathba National Insurance Co PJSC's value of 11.85 is 129.7% 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 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.16, based on 336 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. Al Wathba National Insurance Co PJSC's current 3-Year ROIIC % of 11.85 is 129.7% 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 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 Al Wathba National Insurance Co PJSC and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Wathba National Insurance Co PJSC's current 3-Year ROIIC % is 11.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Wathba National Insurance Co PJSC stock overvalued right now?
Based on GuruFocus' analysis, Al Wathba National Insurance Co PJSC (ADX:AWNIC) is currently considered Significantly Undervalued. The stock's GF Value™ is د.إ7.41, compared to a current price of د.إ3.00 — trading 59.5% below its estimated fair value. The current 3-Year ROIIC % is 11.85 and 129.7% above the Insurance industry median of 5.16. Al Wathba National Insurance Co PJSC's overall GF Score™ is 68/100 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 Al Wathba National Insurance Co PJSC (ADX:AWNIC), the current 3-Year ROIIC % is 11.85 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 Al Wathba National Insurance Co PJSC (ADX:AWNIC) Overvalued in 2026?
Based on GuruFocus' analysis, Al Wathba National Insurance Co PJSC stock appears to be undervalued.
The current stock price of د.إ3.00 is trading 59.5% below its estimated GF Value™ of د.إ7.41.
GuruFocus considers Al Wathba National Insurance Co PJSC to be Significantly Undervalued.
Key valuation signals for ADX:AWNIC:
3-Year ROIIC %: 11.85
GF Value™: د.إ7.41 vs. price of د.إ3.00 (59.5% below fair value)
Industry Position: 129.7% above the Insurance median (#109 of 336)
No single metric tells the full story. See the ADX:AWNIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressMohammed Bin Butti Al Hamed Street, Najda Street, Al Wathba Tower, 9th Street Behind Nissan Showroom, Al Danah - E11, P.O Box: 45154, Abu Dhabi, ARE
Al Wathba National Insurance Co PJSC is principally engaged in underwriting general insurance across all classes, offering a comprehensive multiple products and services for both individual and corporate customers in the UAE. Its individual services include cyber, motor, visit visa, travel, home, and yacht insurance, protecting against various personal risks and financial losses. For corporate clients, the Company offers insurance solutions such as fire and general accident, engineering, oil and energy, marine and aviation, and fleet insurance. The Group's reportable operating segments comprise Motor (which generates the majority of revenue), Health, General Insurance (including property, fire, engineering, energy, liability, marine cargo, and marine hull), and Investments.
68GF Score
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