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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.
Star Money PCL's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was -8.42%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Star Money PCL's 3-Year ROIIC % or its related term are showing as below:
BKK:STARM's 3-Year ROIIC % is ranked worse than 82.4% of 392
companies
in the Credit Services industry
Industry Median: 2.76
vs BKK:STARM: -8.42
Star Money PCL (BKK:STARM) 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.
Star Money PCL 3-Year ROIIC % Related Terms
Star Money PCL 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Star Money 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:STARM vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Star Money 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.
Star Money PCL 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Star Money PCL's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Star Money 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.
Star Money PCL (BKK:STARM) has a 3-Year ROIIC % of -8.42 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 Star Money PCL and its competitors. According to the industry distribution chart, Star Money PCL ranks #323 out of 392 companies in the Credit Services industry, placing it in the top 82.4%.
Is Star Money PCL's 3-Year ROIIC % too high?
Star Money PCL's current 3-Year ROIIC % is -8.42. Based on the distribution chart, Star Money PCL ranks #323 out of 392 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Star Money PCL has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Star Money PCL's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Star Money PCL ranks #323 out of 392 companies for 3-Year ROIIC %. This places Star Money PCL in the lower half of its industry. The industry median 3-Year ROIIC % is 2.76. 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 2.76, 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. 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 Star Money PCL and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Star Money PCL's current 3-Year ROIIC % is -8.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Star Money PCL stock overvalued right now?
Based on GuruFocus' analysis, Star Money PCL (BKK:STARM) is currently considered Fairly Valued. The stock's GF Value™ is ฿1.01, compared to a current price of ฿0.98 — trading 3% below its estimated fair value. The current 3-Year ROIIC % is -8.42. Star Money PCL's overall GF Score™ is 67/100 with 4 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 Star Money PCL (BKK:STARM), the current 3-Year ROIIC % is -8.42 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.
Is Star Money PCL (BKK:STARM) Overvalued in 2026?
Based on GuruFocus' analysis, Star Money PCL stock appears to be undervalued.
The current stock price of ฿0.98 is trading 3% below its estimated GF Value™ of ฿1.01.
GuruFocus considers Star Money PCL to be Fairly Valued.
Key valuation signals for BKK:STARM:
3-Year ROIIC %: -8.42
GF Value™: ฿1.01 vs. price of ฿0.98 (3% below fair value)
No single metric tells the full story. See the BKK:STARM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Star Money PCL is an electrical appliance distributor and a credit provider. It provides services of Electrical appliances, Credit, and Insurance. The group has four reportable segments as follows: Sales, Hire purchase, Lending business, and Others. The majority of its revenue is derived from the Sales segment.
67GF Score
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3-Year ROIIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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