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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.
Allianz Ayudhya Capital's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 58.98%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Allianz Ayudhya Capital's 3-Year ROIIC % or its related term are showing as below:
BKK:AYUD's 3-Year ROIIC % is ranked better than 92.51% of 334
companies
in the Insurance industry
Industry Median: 5.275
vs BKK:AYUD: 58.98
Allianz Ayudhya Capital (BKK:AYUD) 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.
Allianz Ayudhya Capital 3-Year ROIIC % Related Terms
Allianz Ayudhya Capital 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.
BKK:AYUD vs CB, PGR, TRV: 3-Year ROIIC % Comparison
For the Insurance - Property & Casualty subindustry, Allianz Ayudhya Capital'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.
Allianz Ayudhya Capital 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Allianz Ayudhya Capital's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Allianz Ayudhya Capital'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.
Allianz Ayudhya Capital (BKK:AYUD) has a 3-Year ROIIC % of 58.98 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 Allianz Ayudhya Capital and its competitors. According to the industry distribution chart, Allianz Ayudhya Capital ranks #25 out of 334 companies in the Insurance industry, placing it in the top 7.5%.
Is Allianz Ayudhya Capital's 3-Year ROIIC % too high?
Allianz Ayudhya Capital's current 3-Year ROIIC % is 58.98. The Insurance industry median 3-Year ROIIC % is 5.28. Allianz Ayudhya Capital's value of 58.98 is 1018.1% above this industry median. Based on the distribution chart, Allianz Ayudhya Capital ranks #25 out of 334 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Allianz Ayudhya Capital has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Allianz Ayudhya Capital's 3-Year ROIIC % compare to CB and PGR?
According to the Insurance industry distribution chart, Allianz Ayudhya Capital ranks #25 out of 334 companies for 3-Year ROIIC %. This places Allianz Ayudhya Capital in the top 8% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 5.28. Allianz Ayudhya Capital's value of 58.98 is 1018.1% 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 5.28, 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. Allianz Ayudhya Capital's current 3-Year ROIIC % of 58.98 is 1018.1% 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 Allianz Ayudhya Capital 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. Allianz Ayudhya Capital's current 3-Year ROIIC % is 58.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Allianz Ayudhya Capital stock overvalued right now?
Based on GuruFocus' analysis, Allianz Ayudhya Capital (BKK:AYUD) is currently considered Modestly Undervalued. The stock's GF Value™ is ฿52.33, compared to a current price of ฿42.50 — trading 18.8% below its estimated fair value. The current 3-Year ROIIC % is 58.98 and 1018.1% above the Insurance industry median of 5.28. Allianz Ayudhya Capital's overall GF Score™ is 82/100 with 7 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 Allianz Ayudhya Capital (BKK:AYUD), the current 3-Year ROIIC % is 58.98 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 Allianz Ayudhya Capital (BKK:AYUD) Overvalued in 2026?
Based on GuruFocus' analysis, Allianz Ayudhya Capital stock appears to be undervalued.
The current stock price of ฿42.50 is trading 18.8% below its estimated GF Value™ of ฿52.33.
GuruFocus considers Allianz Ayudhya Capital to be Modestly Undervalued.
Key valuation signals for BKK:AYUD:
3-Year ROIIC %: 58.98
GF Value™: ฿52.33 vs. price of ฿42.50 (18.8% below fair value)
Industry Position: 1018.1% above the Insurance median (#25 of 334)
No single metric tells the full story. See the BKK:AYUD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Allianz Ayudhya Capital PLC is an investment holding company. The company is engaged in providing individual insurance such as motor insurance, personal accidents insurance, travel accidents insurance, fire insurance, cancer insurance and others. It is involved in non-life insurance business covering for loss or damage of insured properties, such as constructions, commercial and residential buildings, factories, and merchandise, marine and transportation insurance. The company is operating in three principal business segments Non-life insurance business generating the key revenue, Service business and Investment business, which are only organized and managed in a single geographic area, namely in Thailand.
82GF Score
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