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Micro Leasing PCLBKK:MICRO +6.56%76 3-Year ROIIC % is 5.48 as of Dec. 2025, which is 108% above its 10-year median of 2.63. GuruFocus rates BKK:MICRO with a GF Score™ of 76/100 and a GF Value™ of ฿1.08 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 392 Credit Services companies, Micro Leasing PCL ranks better than 61.22% 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.
Micro Leasing PCL's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 5.48%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Micro Leasing PCL's 3-Year ROIIC % or its related term are showing as below:
BKK:MICRO's 3-Year ROIIC % is ranked better than 61.22% of 392
companies
in the Credit Services industry
Industry Median: 2.675
vs BKK:MICRO: 5.48
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.
Micro Leasing PCL 3-Year ROIIC % Related Terms
Micro Leasing PCL 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Micro Leasing PCL'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.
BKK:MICRO vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Micro Leasing PCL'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.
Micro Leasing PCL 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Micro Leasing PCL's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Micro Leasing PCL'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.
Micro Leasing PCL (BKK:MICRO) has a 3-Year ROIIC % of 5.48 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 Micro Leasing PCL and its competitors. This is 108% above median its historical median of 2.63. According to the industry distribution chart, Micro Leasing PCL ranks #152 out of 392 companies in the Credit Services industry, placing it in the top 38.8%.
Is Micro Leasing PCL's 3-Year ROIIC % too high?
Micro Leasing PCL's current 3-Year ROIIC % of 5.48 is 108% above median its 10-year median of 2.63. The Credit Services industry median 3-Year ROIIC % is 2.68. Micro Leasing PCL's value of 5.48 is 104.9% above this industry median. Based on the distribution chart, Micro Leasing PCL ranks #152 out of 392 companies in the Credit Services industry, which is above the industry midpoint. Overall, Micro Leasing PCL has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Micro Leasing PCL's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Micro Leasing PCL ranks #152 out of 392 companies for 3-Year ROIIC %. This puts Micro Leasing PCL in the upper half of its industry. The industry median 3-Year ROIIC % is 2.68. Micro Leasing PCL's value of 5.48 is 104.9% above this benchmark. While the company's 10-year median is 2.63 vs. the industry median of 2.68, Micro Leasing PCL 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 Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.68, based on 392 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. Micro Leasing PCL's current 3-Year ROIIC % of 5.48 is 104.9% 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 Micro Leasing PCL and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Micro Leasing PCL's current 3-Year ROIIC % is 5.48, which is 108% above median its own 10-year median of 2.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Micro Leasing PCL stock overvalued right now?
Based on GuruFocus' analysis, Micro Leasing PCL (BKK:MICRO) is currently considered Modestly Overvalued. The stock's GF Value™ is ฿1.08, compared to a current price of ฿1.30 — trading 20.4% above its estimated fair value. The current 3-Year ROIIC % is 5.48, which is 108% above median its 10-year median of 2.63 and 104.9% above the Credit Services industry median of 2.68. Micro Leasing PCL's overall GF Score™ is 76/100 with 9 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 Micro Leasing PCL (BKK:MICRO), the current 3-Year ROIIC % is 5.48 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 Micro Leasing PCL (BKK:MICRO) Overvalued in 2026?
Based on GuruFocus' analysis, Micro Leasing PCL stock appears to be overvalued.
The current stock price of ฿1.30 is trading 20.4% above its estimated GF Value™ of ฿1.08.
GuruFocus considers Micro Leasing PCL to be Modestly Overvalued.
Key valuation signals for BKK:MICRO:
3-Year ROIIC %: 5.48 (108% above median its 10-year median of 2.63)
GF Value™: ฿1.08 vs. price of ฿1.30 (20.4% above fair value)
Industry Position: 104.9% above the Credit Services median (#152 of 392)
No single metric tells the full story. See the BKK:MICRO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Micro Leasing PCL is engaged in the business of providing hire purchase loans for used trucks, such as six-wheel, ten-wheel, and motorcycles. The Group's operations involves operating segments which are hire purchase of trucks business, hire purchase of motorcycles business; insurance brokerage business and personal loan business. The company carries its operations in Thailand. It generates majority of its revenue from Hire purchase of trucks business.
76GF Score
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