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Austriacard Holdings AGATH:ACAG +0.10%85 3-Year ROIIC % is 22.91 as of Dec. 2025, which is 11% below its 10-year median of 25.73. GuruFocus rates ATH:ACAG with a GF Score™ of 85/100 and a GF Value™ of €6.07 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 2,624 Software companies, Austriacard Holdings AG ranks better than 70.05% 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.
Austriacard Holdings AG's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 22.91%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Austriacard Holdings AG's 3-Year ROIIC % or its related term are showing as below:
ATH:ACAG's 3-Year ROIIC % is ranked better than 70.05% of 2624
companies
in the Software industry
Industry Median: 5.355
vs ATH:ACAG: 22.91
Austriacard Holdings AG (ATH:ACAG) 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.
Austriacard Holdings AG 3-Year ROIIC % Related Terms
Austriacard Holdings AG 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.
ATH:ACAG vs IBM, ACN, FISV: 3-Year ROIIC % Comparison
For the Information Technology Services subindustry, Austriacard Holdings AG'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.
Austriacard Holdings AG 3-Year ROIIC % vs Software Industry
For the Software industry and Technology sector, Austriacard Holdings AG's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Austriacard Holdings AG'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.
Austriacard Holdings AG (ATH:ACAG) has a 3-Year ROIIC % of 22.91 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 Austriacard Holdings AG and its competitors. This is 11% below median its historical median of 25.73. Over the past decade, Austriacard Holdings AG's 3-Year ROIIC % has ranged from 17.93 to 48.86. According to the industry distribution chart, Austriacard Holdings AG ranks #786 out of 2624 companies in the Software industry, placing it in the top 30%.
Is Austriacard Holdings AG's 3-Year ROIIC % too high?
Austriacard Holdings AG's current 3-Year ROIIC % of 22.91 is 11% below median its 10-year median of 25.73. Over the past 10 years, this metric has ranged from a low of 17.93 to a high of 48.86. The Software industry median 3-Year ROIIC % is 5.36. Austriacard Holdings AG's value of 22.91 is 327.8% above this industry median. Based on the distribution chart, Austriacard Holdings AG ranks #786 out of 2624 companies in the Software industry, which is above the industry midpoint. Overall, Austriacard Holdings AG has a GF Score™ of 85/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Austriacard Holdings AG's 3-Year ROIIC % compare to IBM and ACN?
According to the Software industry distribution chart, Austriacard Holdings AG ranks #786 out of 2624 companies for 3-Year ROIIC %. This puts Austriacard Holdings AG in the upper half of its industry. The industry median 3-Year ROIIC % is 5.36. Austriacard Holdings AG's value of 22.91 is 327.8% above this benchmark. Historically, Austriacard Holdings AG's own 3-Year ROIIC % has ranged from 17.93 to 48.86 over the past decade. While the company's 10-year median is 25.73 vs. the industry median of 5.36, Austriacard Holdings AG 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 a Software company?
The median 3-Year ROIIC % among Software companies is 5.36, based on 2,624 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. Austriacard Holdings AG's current 3-Year ROIIC % of 22.91 is 327.8% 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 Austriacard Holdings AG and its competitors. For the Software industry, the median 3-Year ROIIC % is 5.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Austriacard Holdings AG's current 3-Year ROIIC % is 22.91, which is 11% below median its own 10-year median of 25.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Austriacard Holdings AG stock overvalued right now?
Based on GuruFocus' analysis, Austriacard Holdings AG (ATH:ACAG) is currently considered Significantly Overvalued. The stock's GF Value™ is €6.07, compared to a current price of €9.80 — trading 61.4% above its estimated fair value. The current 3-Year ROIIC % is 22.91, which is 11% below median its 10-year median of 25.73 and 327.8% above the Software industry median of 5.36. Austriacard Holdings AG's overall GF Score™ is 85/100 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 Austriacard Holdings AG (ATH:ACAG), the current 3-Year ROIIC % is 22.91 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 Austriacard Holdings AG (ATH:ACAG) Overvalued in 2026?
Based on GuruFocus' analysis, Austriacard Holdings AG stock appears to be overvalued.
The current stock price of €9.80 is trading 61.4% above its estimated GF Value™ of €6.07.
GuruFocus considers Austriacard Holdings AG to be Significantly Overvalued.
Key valuation signals for ATH:ACAG:
3-Year ROIIC %: 22.91 (11% below median its 10-year median of 25.73)
GF Value™: €6.07 vs. price of €9.80 (61.4% above fair value)
Industry Position: 327.8% above the Software median (#786 of 2624)
No single metric tells the full story. See the ATH:ACAG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Austriacard Holdings AG is a holistic applied technology company powered by artificial intelligence (AI). The Group's portfolio includes a wide range of solutions that demonstrate synergies across product lines. These include Identity & Payment Solutions, Digital Technologies, and Document Lifecycle Management. These solutions are offered to financial institutions, public and private sectors. The Group is now organized into three geographic segments: Central, Eastern Europe and DACH (CEE); Western Europe, Nordics and Americas (WEST); and Turkiye, Middle East and Africa (MEA). It derives maximum revenue from Central, Eastern Europe and DACH (CEE) segment. The solutions include: Payment Cards & Services, eGovernment & Authentication, Document Lifecycle Management, Book on Demand and Others.
85GF Score
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