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.
Qliro AB's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 0.04%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Qliro AB's 3-Year ROIIC % or its related term are showing as below:
FRA:2AI's 3-Year ROIIC % is ranked worse than 64.12% of 393
companies
in the Credit Services industry
Industry Median: 2.85
vs FRA:2AI: 0.04
Qliro AB (FRA:2AI) 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.
Qliro AB 3-Year ROIIC % Related Terms
Qliro AB 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Qliro AB'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, Qliro AB'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.
Qliro AB 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Qliro AB's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Qliro AB'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.
Qliro AB (FRA:2AI) has a 3-Year ROIIC % of 0.04 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 Qliro AB and its competitors. According to the industry distribution chart, Qliro AB ranks #252 out of 393 companies in the Credit Services industry, placing it in the top 64.1%.
Is Qliro AB's 3-Year ROIIC % too high?
Qliro AB's current 3-Year ROIIC % is 0.04. The Credit Services industry median 3-Year ROIIC % is 2.85. Qliro AB's value of 0.04 is 98.6% below this industry median. Based on the distribution chart, Qliro AB ranks #252 out of 393 companies in the Credit Services industry, which is below the industry midpoint. Overall, Qliro AB has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Qliro AB's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Qliro AB ranks #252 out of 393 companies for 3-Year ROIIC %. This places Qliro AB in the lower half of its industry. The industry median 3-Year ROIIC % is 2.85. Qliro AB's value of 0.04 is 98.6% below 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 2.85, 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. Qliro AB's current 3-Year ROIIC % of 0.04 is 98.6% below 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 Qliro AB and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qliro AB's current 3-Year ROIIC % is 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Qliro AB stock overvalued right now?
Based on GuruFocus' analysis, Qliro AB (FRA:2AI) is currently considered Fairly Valued. The stock's GF Value™ is €1.59, compared to a current price of €1.70 — trading 6.9% above its estimated fair value. The current 3-Year ROIIC % is 0.04 and 98.6% below the Credit Services industry median of 2.85. Qliro AB's overall GF Score™ is 63/100 with 6 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 Qliro AB (FRA:2AI), the current 3-Year ROIIC % is 0.04 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 Qliro AB (FRA:2AI) Overvalued in 2026?
Based on GuruFocus' analysis, Qliro AB stock appears to be overvalued.
The current stock price of €1.70 is trading 6.9% above its estimated GF Value™ of €1.59.
GuruFocus considers Qliro AB to be Fairly Valued.
Key valuation signals for FRA:2AI:
3-Year ROIIC %: 0.04
GF Value™: €1.59 vs. price of €1.70 (6.9% above fair value)
Industry Position: 98.6% below the Credit Services median (#252 of 393)
No single metric tells the full story. See the FRA:2AI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Qliro AB is a fintech company that provides digital payment solutions to both Enterprise and SME merchants, with a primary focus on e-commerce. Its offering to merchants includes a checkout solution designed to maximise both conversion and upselling. The Unified Payments system integrates all relevant payment methods in one offering, allowing flexible implementation. For consumers, Qliro offers its proprietary invoice and part-payment services (Pay Later) available through connected merchants throughout the Nordics, as well as personal savings accounts in Sweden and Germany. The Group identifies only one operating segment: Payment Solutions. Geographically, it generates maximum revenue from Sweden, and the rest from Finland, Denmark, and Norway.
63GF Score
Get the complete analysis for FRA:2AI
3-Year ROIIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:2AI has been successfully added to your 
