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Pine LabsBOM:544606 +16.90%11 3-Year ROIIC % is -21.86 as of Mar. 2026. GuruFocus rates BOM:544606 with a GF Score™ of 11/100. The stock has 3 warning signs investors should review. Among 2,621 Software companies, Pine Labs ranks worse than 77.34% 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.
Pine Labs's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was -21.86%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Pine Labs's 3-Year ROIIC % or its related term are showing as below:
BOM:544606's 3-Year ROIIC % is ranked worse than 77.34% of 2621
companies
in the Software industry
Industry Median: 5.02
vs BOM:544606: -21.86
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.
Pine Labs 3-Year ROIIC % Related Terms
Pine Labs 3-Year ROIIC % Historical Data
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The historical data trend for Pine Labs'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.
BOM:544606 vs MSFT, PLTR, ORCL: 3-Year ROIIC % Comparison
For the Software - Infrastructure subindustry, Pine Labs'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.
Pine Labs 3-Year ROIIC % vs Software Industry
For the Software industry and Technology sector, Pine Labs's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Pine Labs'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.
Pine Labs (BOM:544606) has a 3-Year ROIIC % of -21.86 as of Mar. 2026. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Pine Labs and its competitors. According to the industry distribution chart, Pine Labs ranks #2027 out of 2621 companies in the Software industry, placing it in the top 77.3%.
Is Pine Labs' 3-Year ROIIC % too high?
Pine Labs' current 3-Year ROIIC % is -21.86. Based on the distribution chart, Pine Labs ranks #2027 out of 2621 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Pine Labs has a GF Score™ of 11/100, reflecting its overall financial health beyond just this single metric.
How does Pine Labs' 3-Year ROIIC % compare to MSFT and PLTR?
According to the Software industry distribution chart, Pine Labs ranks #2027 out of 2621 companies for 3-Year ROIIC %. This places Pine Labs in the lower half of its industry. The industry median 3-Year ROIIC % is 5.02. 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 5.02, based on 2,621 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 Pine Labs and its competitors. For the Software industry, the median 3-Year ROIIC % is 5.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pine Labs's current 3-Year ROIIC % is -21.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pine Labs stock overvalued right now?
Pine Labs (BOM:544606) has a current 3-Year ROIIC % of -21.86. The current 3-Year ROIIC % is -21.86. Pine Labs' overall GF Score™ is 11/100 with 3 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 Pine Labs (BOM:544606), the current 3-Year ROIIC % is -21.86 as of Mar. 2026. 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.
Pine Labs Ltd is a technology company digitizing commerce for merchants, brands, enterprises, and financial institutions. It operates two segments: Digital Infrastructure and Transaction Platform, which contributes the majority of its revenue through in-store and online payments, affordability, value-added services, and transaction processing; and Issuing and Acquiring Platform, providing prepaid, loyalty, rewards, and card issuing and acquiring solutions. Its offerings include UPI and payment gateway services, gift cards, card management, and fintech infrastructure. Pine Labs serves banks, corporates, government, fintech, e-commerce, and startups across multiple industries, enabling customer acquisition, onboarding, expense management, rewards, refunds, and embedded bill payments.
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