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AIFUAIFU +8.50%24 3-Year ROIIC % is 640.86 as of Dec. 2025, which is 35112% above its 10-year median of 1.82. GuruFocus rates AIFU with a GF Score™ of 24/100. The stock has 6 warning signs investors should review. Among 334 Insurance companies, AIFU ranks better than 99.4% 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.
AIFU's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 640.86%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for AIFU's 3-Year ROIIC % or its related term are showing as below:
AIFU's 3-Year ROIIC % is ranked better than 99.4% of 334
companies
in the Insurance industry
Industry Median: 5.275
vs AIFU: 640.86
AIFU (NAS:AIFU) 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.
AIFU 3-Year ROIIC % Related Terms
AIFU 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for AIFU'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.
AIFU vs TWFG, SLQT, QDMI: 3-Year ROIIC % Comparison
For the Insurance Brokers subindustry, AIFU'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.
AIFU 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, AIFU's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where AIFU's 3-Year ROIIC % falls into.
AIFU'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**
=
( -227.054 (Dec. 2025) - 19.1398734 (Dec. 2022) )
/
( 150.938 (Dec. 2025) - 189.354 (Dec. 2022) )
=
-246.1938734
/
-38.416
=
640.86%***
* 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.
AIFU (AIFU) has a 3-Year ROIIC % of 640.86 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 AIFU and its competitors. This is 35112% above median its historical median of 1.82. According to the industry distribution chart, AIFU ranks #2 out of 334 companies in the Insurance industry, placing it in the top 0.59999999999999%.
Is AIFU's 3-Year ROIIC % too high?
AIFU's current 3-Year ROIIC % of 640.86 is 35112% above median its 10-year median of 1.82. The Insurance industry median 3-Year ROIIC % is 5.28. AIFU's value of 640.86 is 12049% above this industry median. Based on the distribution chart, AIFU ranks #2 out of 334 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, AIFU has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does AIFU's 3-Year ROIIC % compare to TWFG and SLQT?
According to the Insurance industry distribution chart, AIFU ranks #2 out of 334 companies for 3-Year ROIIC %. This places AIFU in the top 1% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 5.28. AIFU's value of 640.86 is 12049% above this benchmark. While the company's 10-year median is 1.82 vs. the industry median of 5.28, AIFU has consistently been above 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 5.28, based on 334 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. AIFU's current 3-Year ROIIC % of 640.86 is 12049% 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 AIFU and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AIFU's current 3-Year ROIIC % is 640.86, which is 35112% above median its own 10-year median of 1.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIFU stock overvalued right now?
AIFU (AIFU) has a current 3-Year ROIIC % of 640.86. The current 3-Year ROIIC % is 640.86, which is 35112% above median its 10-year median of 1.82 and 12049% above the Insurance industry median of 5.28. AIFU's overall GF Score™ is 24/100 with 6 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 AIFU (AIFU), the current 3-Year ROIIC % is 640.86 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.
AIFU Inc is an independent financial services provider in China. It offers end-to-end business solutions spanning compliance, technology, products, services, capital flow and professional training. It connects customers with insurance protection, retirement planning, health management, asset management, and family governance services. The group operates one segment: the Insurance Agency segment. The Insurance Agency segment consists of providing agency services for distributing life insurance products and non-life insurance products on behalf of insurance companies.
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