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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.
Damaan Islamic Insurance Co (QPSC)'s 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 24.24%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Damaan Islamic Insurance Co (QPSC) (DSMD:BEMA) 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.
Damaan Islamic Insurance Co (QPSC) 3-Year ROIIC % Related Terms
Damaan Islamic Insurance Co (QPSC) 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.
Damaan Islamic Insurance Co (QPSC) 3-Year ROIIC % Chart
DSMD:BEMA vs BRK.A, AIG, HIG: 3-Year ROIIC % Comparison
For the Insurance - Diversified subindustry, Damaan Islamic Insurance Co (QPSC)'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.
Damaan Islamic Insurance Co (QPSC) 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Damaan Islamic Insurance Co (QPSC)'s 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Damaan Islamic Insurance Co (QPSC)'s 3-Year ROIIC % falls into.
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 95.932 (Dec. 2025) - 57.3382485 (Dec. 2022) )
/
( 1195.4494 (Dec. 2025) - 1036.2222 (Dec. 2022) )
=
38.5937515
/
159.2272
=
24.24%***
* 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.
Damaan Islamic Insurance Co (QPSC) (DSMD:BEMA) has a 3-Year ROIIC % of 24.24 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 Damaan Islamic Insurance Co (QPSC) and its competitors. This is 21% below median its historical median of 30.76. Over the past decade, Damaan Islamic Insurance Co (QPSC)'s 3-Year ROIIC % has ranged from 24.24 to 49.75. According to the industry distribution chart, Damaan Islamic Insurance Co (QPSC) ranks #67 out of 338 companies in the Insurance industry, placing it in the top 19.8%.
Is Damaan Islamic Insurance Co (QPSC)'s 3-Year ROIIC % too high?
Damaan Islamic Insurance Co (QPSC)'s current 3-Year ROIIC % of 24.24 is 21% below median its 10-year median of 30.76. Over the past 10 years, this metric has ranged from a low of 24.24 to a high of 49.75. The Insurance industry median 3-Year ROIIC % is 5.09. Damaan Islamic Insurance Co (QPSC)'s value of 24.24 is 376.2% above this industry median. Based on the distribution chart, Damaan Islamic Insurance Co (QPSC) ranks #67 out of 338 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Damaan Islamic Insurance Co (QPSC) has a GF Score™ of 89/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Damaan Islamic Insurance Co (QPSC)'s 3-Year ROIIC % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Damaan Islamic Insurance Co (QPSC) ranks #67 out of 338 companies for 3-Year ROIIC %. This places Damaan Islamic Insurance Co (QPSC) in the top 20% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 5.09. Damaan Islamic Insurance Co (QPSC)'s value of 24.24 is 376.2% above this benchmark. Historically, Damaan Islamic Insurance Co (QPSC)'s own 3-Year ROIIC % has ranged from 24.24 to 49.75 over the past decade. While the company's 10-year median is 30.76 vs. the industry median of 5.09, Damaan Islamic Insurance Co (QPSC) 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 an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.09, based on 338 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. Damaan Islamic Insurance Co (QPSC)'s current 3-Year ROIIC % of 24.24 is 376.2% 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 Damaan Islamic Insurance Co (QPSC) and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Damaan Islamic Insurance Co (QPSC)'s current 3-Year ROIIC % is 24.24, which is 21% below median its own 10-year median of 30.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Damaan Islamic Insurance Co (QPSC) stock overvalued right now?
Based on GuruFocus' analysis, Damaan Islamic Insurance Co (QPSC) (DSMD:BEMA) is currently considered Modestly Undervalued. The stock's GF Value™ is ر.ق6.89, compared to a current price of ر.ق5.17 — trading 24.9% below its estimated fair value. The current 3-Year ROIIC % is 24.24, which is 21% below median its 10-year median of 30.76 and 376.2% above the Insurance industry median of 5.09. Damaan Islamic Insurance Co (QPSC)'s overall GF Score™ is 89/100 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 Damaan Islamic Insurance Co (QPSC) (DSMD:BEMA), the current 3-Year ROIIC % is 24.24 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 Damaan Islamic Insurance Co (QPSC) (DSMD:BEMA) Overvalued in 2026?
Based on GuruFocus' analysis, Damaan Islamic Insurance Co (QPSC) stock appears to be undervalued.
The current stock price of ر.ق5.17 is trading 24.9% below its estimated GF Value™ of ر.ق6.89.
GuruFocus considers Damaan Islamic Insurance Co (QPSC) to be Modestly Undervalued.
Key valuation signals for DSMD:BEMA:
3-Year ROIIC %: 24.24 (21% below median its 10-year median of 30.76)
GF Value™: ر.ق6.89 vs. price of ر.ق5.17 (24.9% below fair value)
Industry Position: 376.2% above the Insurance median (#67 of 338)
No single metric tells the full story. See the DSMD:BEMA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Damaan Islamic Insurance Co (QPSC) is engaged in the business of underwriting Marine, Aviation, Motor, Fire, General Accident, Takaful and Medical in accordance with the provisions of Islamic Shari'a. Company's reportable segments are Marine and Aviation, Motor Insurance, Fire & General Accidents, Takaful and Medical Insurance and Investments. Majority of revenue is generated from Takaful and Medical. The Company operates in State of Qatar only.
89GF Score
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