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FBD HoldingsFBDHF 77 3-Year ROIIC % is 63.03 as of Dec. 2025, which is 109% above its 10-year median of 30.13. GuruFocus rates FBDHF with a GF Score™ of 77/100 and a GF Value™ of $12.85. The stock has 5 warning signs investors should review. Among 334 Insurance companies, FBD Holdings ranks better than 92.81% 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.
FBD Holdings's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 63.03%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for FBD Holdings's 3-Year ROIIC % or its related term are showing as below:
FBDHF's 3-Year ROIIC % is ranked better than 92.81% of 334
companies
in the Insurance industry
Industry Median: 5.275
vs FBDHF: 63.03
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.
FBD Holdings 3-Year ROIIC % Related Terms
FBD Holdings 3-Year ROIIC % Historical Data
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The historical data trend for FBD Holdings'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.
For the Insurance - Property & Casualty subindustry, FBD Holdings'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.
FBD Holdings 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, FBD Holdings's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where FBD Holdings'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.
FBD Holdings (FBDHF) has a 3-Year ROIIC % of 63.03 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 FBD Holdings and its competitors. This is 109% above median its historical median of 30.13. According to the industry distribution chart, FBD Holdings ranks #24 out of 334 companies in the Insurance industry, placing it in the top 7.2%.
Is FBD Holdings' 3-Year ROIIC % too high?
FBD Holdings' current 3-Year ROIIC % of 63.03 is 109% above median its 10-year median of 30.13. The Insurance industry median 3-Year ROIIC % is 5.28. FBD Holdings' value of 63.03 is 1094.9% above this industry median. Based on the distribution chart, FBD Holdings ranks #24 out of 334 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, FBD Holdings has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does FBD Holdings' 3-Year ROIIC % compare to CB and PGR?
According to the Insurance industry distribution chart, FBD Holdings ranks #24 out of 334 companies for 3-Year ROIIC %. This places FBD Holdings in the top 7% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 5.28. FBD Holdings' value of 63.03 is 1094.9% above this benchmark. While the company's 10-year median is 30.13 vs. the industry median of 5.28, FBD Holdings 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 5.28, based on 334 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. FBD Holdings's current 3-Year ROIIC % of 63.03 is 1094.9% 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 FBD Holdings and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FBD Holdings's current 3-Year ROIIC % is 63.03, which is 109% above median its own 10-year median of 30.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FBD Holdings stock overvalued right now?
FBD Holdings (FBDHF) has a current 3-Year ROIIC % of 63.03. The stock's GF Value™ is $12.85, compared to a current price of $13.00 — trading 1.2% above its estimated fair value. The current 3-Year ROIIC % is 63.03, which is 109% above median its 10-year median of 30.13 and 1094.9% above the Insurance industry median of 5.28. FBD Holdings' overall GF Score™ is 77/100 with 5 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 FBD Holdings (FBDHF), the current 3-Year ROIIC % is 63.03 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 FBD Holdings (FBDHF) Overvalued in 2026?
Based on GuruFocus' analysis, FBD Holdings stock appears to be overvalued.
The current stock price of $13.00 is trading 1.2% above its estimated GF Value™ of $12.85.
Key valuation signals for FBDHF:
3-Year ROIIC %: 63.03 (109% above median its 10-year median of 30.13)
GF Value™: $12.85 vs. price of $13.00 (1.2% above fair value)
Industry Position: 1094.9% above the Insurance median (#24 of 334)
No single metric tells the full story. See the FBDHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FBD Holdings PLC is a property and casualty insurer that looks after the insurance needs of farmers, consumers, and business owners. The company operates through two segments: General Insurance and Other Group Activities. General insurance: This includes all underwriting activities for motor and non-motor products. Other services: Comprises all non-underwriting activities, including administrative functions and financial services. The majority of revenue is from General Insurance. The Group's operations are located in Ireland.
77GF Score
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