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DiscoveryFRA:D3H +0.75%84 3-Year ROIIC % is 5.12 as of Jun. 2025, which is 34% above its 10-year median of 3.81. GuruFocus rates FRA:D3H with a GF Score™ of 84/100 and a GF Value™ of €14.36. The stock has 1 warning sign investors should review. Among 334 Insurance companies, Discovery ranks worse than 50.6% 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.
Discovery's 3-Year ROIIC % for the quarter that ended in Jun. 2025 was 5.12%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Discovery's 3-Year ROIIC % or its related term are showing as below:
FRA:D3H's 3-Year ROIIC % is ranked worse than 50.6% of 334
companies
in the Insurance industry
Industry Median: 5.275
vs FRA:D3H: 5.12
Discovery (FRA:D3H) 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.
Discovery 3-Year ROIIC % Related Terms
Discovery 3-Year ROIIC % Historical Data
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The historical data trend for Discovery'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.
FRA:D3H vs AFL, MET, PRU: 3-Year ROIIC % Comparison
For the Insurance - Life subindustry, Discovery'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.
Discovery 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Discovery's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Discovery'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.
Discovery (FRA:D3H) has a 3-Year ROIIC % of 5.12 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 Discovery and its competitors. This is 34% above median its historical median of 3.81. According to the industry distribution chart, Discovery ranks #169 out of 334 companies in the Insurance industry, placing it in the top 50.6%.
Is Discovery's 3-Year ROIIC % too high?
Discovery's current 3-Year ROIIC % of 5.12 is 34% above median its 10-year median of 3.81. The Insurance industry median 3-Year ROIIC % is 5.28. Discovery's value of 5.12 is 2.9% below this industry median. Based on the distribution chart, Discovery ranks #169 out of 334 companies in the Insurance industry, which is below the industry midpoint. Overall, Discovery has a GF Score™ of 84/100, reflecting its overall financial health beyond just this single metric.
How does Discovery's 3-Year ROIIC % compare to AFL and MET?
According to the Insurance industry distribution chart, Discovery ranks #169 out of 334 companies for 3-Year ROIIC %. This places Discovery in the lower half of its industry. The industry median 3-Year ROIIC % is 5.28. Discovery's value of 5.12 is 2.9% below this benchmark. While the company's 10-year median is 3.81 vs. the industry median of 5.28, Discovery has consistently been below 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. Discovery's current 3-Year ROIIC % of 5.12 is 2.9% 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 Discovery 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. Discovery's current 3-Year ROIIC % is 5.12, which is 34% above median its own 10-year median of 3.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Discovery stock overvalued right now?
Discovery (FRA:D3H) has a current 3-Year ROIIC % of 5.12. The stock's GF Value™ is €14.36, compared to a current price of €13.40 — trading 6.7% below its estimated fair value. The current 3-Year ROIIC % is 5.12, which is 34% above median its 10-year median of 3.81 and 2.9% below the Insurance industry median of 5.28. Discovery's overall GF Score™ is 84/100 with 1 warning sign 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 Discovery (FRA:D3H), the current 3-Year ROIIC % is 5.12 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 Discovery (FRA:D3H) Overvalued in 2026?
Based on GuruFocus' analysis, Discovery stock appears to be undervalued.
The current stock price of €13.40 is trading 6.7% below its estimated GF Value™ of €14.36.
Key valuation signals for FRA:D3H:
3-Year ROIIC %: 5.12 (34% above median its 10-year median of 3.81)
GF Value™: €14.36 vs. price of €13.40 (6.7% below fair value)
Industry Position: 2.9% below the Insurance median (#169 of 334)
No single metric tells the full story. See the FRA:D3H stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Discovery Ltd is a financial services organization. It operates in the healthcare, life insurance, short-term insurance, long-term savings, banking and wellness markets. It specializes in health insurance, life assurance, wellness, investments and savings, short-term insurance, and banking. The company generates revenue through its insurance and financial services, with primary markets in South Africa and the UK, and presence in Canada, the USA, Singapore, Australia, and China.
84GF Score
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