Sharjah Insurance Co PSCADX:SICO 32 3-Year ROIIC % is 32.42 as of Dec. 2025. GuruFocus rates ADX:SICO with a GF Score™ of 32/100. The stock has 2 warning signs investors should review. Among 336 Insurance companies, Sharjah Insurance Co PSC ranks better than 86.31% 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.
Sharjah Insurance Co PSC's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 32.42%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Sharjah Insurance Co PSC's 3-Year ROIIC % or its related term are showing as below:
ADX:SICO's 3-Year ROIIC % is ranked better than 86.31% of 336
companies
in the Insurance industry
Industry Median: 5.16
vs ADX:SICO: 32.42
Sharjah Insurance Co PSC (ADX:SICO) 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.
Sharjah Insurance Co PSC 3-Year ROIIC % Related Terms
Sharjah Insurance Co PSC 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.
ADX:SICO vs BRK.A, AIG, HIG: 3-Year ROIIC % Comparison
For the Insurance - Diversified subindustry, Sharjah Insurance Co PSC'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.
Sharjah Insurance Co PSC 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sharjah Insurance Co PSC's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Sharjah Insurance Co PSC's 3-Year ROIIC % falls into.
Sharjah Insurance Co PSC 3-Year ROIIC % Calculation
Sharjah Insurance Co PSC'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**
=
( 59.881353 (Dec. 2025) - 34.184 (Dec. 2022) )
/
( 333.64105 (Dec. 2025) - 254.3654 (Dec. 2022) )
=
25.697353
/
79.27565
=
32.42%***
* 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.
Sharjah Insurance Co PSC (ADX:SICO) has a 3-Year ROIIC % of 32.42 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 Sharjah Insurance Co PSC and its competitors. According to the industry distribution chart, Sharjah Insurance Co PSC ranks #46 out of 336 companies in the Insurance industry, placing it in the top 13.7%.
Is Sharjah Insurance Co PSC's 3-Year ROIIC % too high?
Sharjah Insurance Co PSC's current 3-Year ROIIC % is 32.42. The Insurance industry median 3-Year ROIIC % is 5.16. Sharjah Insurance Co PSC's value of 32.42 is 528.3% above this industry median. Based on the distribution chart, Sharjah Insurance Co PSC ranks #46 out of 336 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Sharjah Insurance Co PSC has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does Sharjah Insurance Co PSC's 3-Year ROIIC % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sharjah Insurance Co PSC ranks #46 out of 336 companies for 3-Year ROIIC %. This places Sharjah Insurance Co PSC in the top 14% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 5.16. Sharjah Insurance Co PSC's value of 32.42 is 528.3% 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. Sharjah Insurance Co PSC's current 3-Year ROIIC % of 32.42 is 528.3% 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 Sharjah Insurance Co PSC 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. Sharjah Insurance Co PSC's current 3-Year ROIIC % is 32.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sharjah Insurance Co PSC stock overvalued right now?
Sharjah Insurance Co PSC (ADX:SICO) has a current 3-Year ROIIC % of 32.42. The current 3-Year ROIIC % is 32.42 and 528.3% above the Insurance industry median of 5.16. Sharjah Insurance Co PSC's overall GF Score™ is 32/100 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 Sharjah Insurance Co PSC (ADX:SICO), the current 3-Year ROIIC % is 32.42 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.
Sharjah Insurance Co PSC deals in general insurance, property, non-property insurance, and life insurance. Its personal insurance includes motor insurance, travel insurance, and home insurance; and its commercial insurance includes marine insurance, fire insurance, engineering insurance, general accident insurance, liability insurance, life insurance, and motor insurance. The company is organized into two segments: underwriting and investment. Underwriting segment comprises engineering and motor insurance, marine insurance, fire insurance, and other insurances. Investment segment includes investments inside and outside UAE, marketable equity securities, term deposit with banks and investment properties. The majority of the revenue is derived from the Underwriting segment.
32GF Score
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