Clip MoneyCLPMF 37 3-Year ROIIC % is 34.26 as of Dec. 2025. GuruFocus rates CLPMF with a GF Score™ of 37/100 and a GF Value™ of $0.83 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 2,627 Software companies, Clip Money ranks better than 76.32% 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.
Clip Money's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 34.26%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Clip Money's 3-Year ROIIC % or its related term are showing as below:
CLPMF's 3-Year ROIIC % is ranked better than 76.32% of 2627
companies
in the Software industry
Industry Median: 5.33
vs CLPMF: 34.26
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.
Clip Money 3-Year ROIIC % Related Terms
Clip Money 3-Year ROIIC % Historical Data
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The historical data trend for Clip Money'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.
CLPMF vs MSFT, ORCL, PLTR: 3-Year ROIIC % Comparison
For the Software - Infrastructure subindustry, Clip Money'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.
Clip Money 3-Year ROIIC % vs Software Industry
For the Software industry and Technology sector, Clip Money's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Clip Money's 3-Year ROIIC % falls into.
Clip Money's 3-Year ROIIC % for the quarter that ended in Dec. 2025 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( -6.871 (Dec. 2025) - -7.974 (Dec. 2022) )
/
( 12.023 (Dec. 2025) - 9.3 (Dec. 2022) )
=
1.103
/
2.723
=
40.51%***
* 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.
Clip Money (CLPMF) has a 3-Year ROIIC % of 34.26 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 Clip Money and its competitors. According to the industry distribution chart, Clip Money ranks #622 out of 2627 companies in the Software industry, placing it in the top 23.7%.
Is Clip Money's 3-Year ROIIC % too high?
Clip Money's current 3-Year ROIIC % is 34.26. The Software industry median 3-Year ROIIC % is 5.33. Clip Money's value of 34.26 is 542.8% above this industry median. Based on the distribution chart, Clip Money ranks #622 out of 2627 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Clip Money has a GF Score™ of 37/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Clip Money's 3-Year ROIIC % compare to MSFT and ORCL?
According to the Software industry distribution chart, Clip Money ranks #622 out of 2627 companies for 3-Year ROIIC %. This places Clip Money in the top 24% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 5.33. Clip Money's value of 34.26 is 542.8% 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 a Software company?
The median 3-Year ROIIC % among Software companies is 5.33, based on 2,627 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. Clip Money's current 3-Year ROIIC % of 34.26 is 542.8% 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 Clip Money and its competitors. For the Software industry, the median 3-Year ROIIC % is 5.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Clip Money's current 3-Year ROIIC % is 34.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Clip Money stock overvalued right now?
Based on GuruFocus' analysis, Clip Money (CLPMF) is currently considered Possible Value Trap. The stock's GF Value™ is $0.83, compared to a current price of $0.10 — trading 88.4% below its estimated fair value. The current 3-Year ROIIC % is 34.26 and 542.8% above the Software industry median of 5.33. Clip Money's overall GF Score™ is 37/100 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 Clip Money (CLPMF), the current 3-Year ROIIC % is 34.26 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 Clip Money (CLPMF) Overvalued in 2026?
Based on GuruFocus' analysis, Clip Money stock appears to be undervalued.
The current stock price of $0.10 is trading 88.4% below its estimated GF Value™ of $0.83.
GuruFocus considers Clip Money to be Possible Value Trap.
Key valuation signals for CLPMF:
3-Year ROIIC %: 34.26
GF Value™: $0.83 vs. price of $0.10 (88.4% below fair value)
Industry Position: 542.8% above the Software median (#622 of 2627)
No single metric tells the full story. See the CLPMF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Clip Money Inc is a Canadian-based company principally in the business of providing a proprietary deposit network to businesses and financial institutions located across North America. A network of ClipDrop safes located in malls, box stores, and grocery chains, Clip improves the business deposit experience through transformational digital and mobile-enabled services. The company has one operating segment, which is providing a proprietary deposit network to businesses located across North America. The company combines functional hardware, an intuitive mobile app, and a cloud-based transaction engine that maximizes business banking transactions. It also facilitates mobile change orders, which are fully insured and shipped within one to two business days.
37GF Score
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