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.
Pioneer Credit's 3-Year ROIIC % for the quarter that ended in Jun. 2025 was 109.84%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Pioneer Credit's 3-Year ROIIC % or its related term are showing as below:
FRA:0PI's 3-Year ROIIC % is ranked better than 94.66% of 393
companies
in the Credit Services industry
Industry Median: 2.76
vs FRA:0PI: 109.84
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.
Pioneer Credit 3-Year ROIIC % Related Terms
Pioneer Credit 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Pioneer Credit'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 Credit Services subindustry, Pioneer Credit'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.
Pioneer Credit 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pioneer Credit's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Pioneer Credit's 3-Year ROIIC % falls into.
Pioneer Credit's 3-Year ROIIC % for the quarter that ended in Jun. 2025 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 25.15486 (Jun. 2025) - 3.629 (Jun. 2022) )
/
( 153.441 (Jun. 2025) - 157.05 (Jun. 2022) )
=
21.52586
/
-3.609
=
-596.45%***
* 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.
Pioneer Credit (FRA:0PI) has a 3-Year ROIIC % of 109.84 as of Jun. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Pioneer Credit and its competitors. According to the industry distribution chart, Pioneer Credit ranks #21 out of 393 companies in the Credit Services industry, placing it in the top 5.3%.
Is Pioneer Credit's 3-Year ROIIC % too high?
Pioneer Credit's current 3-Year ROIIC % is 109.84. The Credit Services industry median 3-Year ROIIC % is 2.76. Pioneer Credit's value of 109.84 is 3879.7% above this industry median. Based on the distribution chart, Pioneer Credit ranks #21 out of 393 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Pioneer Credit has a GF Score™ of 33/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Credit's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Pioneer Credit ranks #21 out of 393 companies for 3-Year ROIIC %. This places Pioneer Credit in the top 5% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 2.76. Pioneer Credit's value of 109.84 is 3879.7% 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 Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.76, based on 393 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. Pioneer Credit's current 3-Year ROIIC % of 109.84 is 3879.7% 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 Pioneer Credit 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. Pioneer Credit's current 3-Year ROIIC % is 109.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pioneer Credit stock overvalued right now?
Based on GuruFocus' analysis, Pioneer Credit (FRA:0PI) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.31, compared to a current price of €0.40 — trading 27.4% above its estimated fair value. The current 3-Year ROIIC % is 109.84 and 3879.7% above the Credit Services industry median of 2.76. Pioneer Credit's overall GF Score™ is 33/100 with 10 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 Pioneer Credit (FRA:0PI), the current 3-Year ROIIC % is 109.84 as of Jun. 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 Pioneer Credit (FRA:0PI) Overvalued in 2026?
Based on GuruFocus' analysis, Pioneer Credit stock appears to be overvalued.
The current stock price of €0.40 is trading 27.4% above its estimated GF Value™ of €0.31.
GuruFocus considers Pioneer Credit to be Modestly Overvalued.
Key valuation signals for FRA:0PI:
3-Year ROIIC %: 109.84
GF Value™: €0.31 vs. price of €0.40 (27.4% above fair value)
Industry Position: 3879.7% above the Credit Services median (#21 of 393)
No single metric tells the full story. See the FRA:0PI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pioneer Credit Ltd provides financial services in Australia. Its primary business involves the acquisition and servicing of Purchased Debt Portfolios (PDPs). The company has launched its app, called Pioneer Path, which is a personal finance and budget management app that helps customers spend less, save more, and reduce debt.
33GF Score
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