PICC Property and Casualty CoFRA:PJC +4.89%77 3-Year ROIIC % is 6.11 as of Dec. 2025, which is 25% above its 10-year median of 4.88. GuruFocus rates FRA:PJC with a GF Score™ of 77/100 and a GF Value™ of €1.43 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 335 Insurance companies, PICC Property and Casualty Co ranks better than 53.43% 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.
PICC Property and Casualty Co's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 6.11%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
FRA:PJC's 3-Year ROIIC % is ranked better than 53.43% of 335
companies
in the Insurance industry
Industry Median: 5.2
vs FRA:PJC: 6.11
PICC Property and Casualty Co (FRA:PJC) 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.
PICC Property and Casualty Co 3-Year ROIIC % Related Terms
PICC Property and Casualty Co 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.
PICC Property and Casualty Co 3-Year ROIIC % Chart
FRA:PJC vs CB, PGR, TRV: 3-Year ROIIC % Comparison
For the Insurance - Property & Casualty subindustry, PICC Property and Casualty Co'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.
PICC Property and Casualty Co 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, PICC Property and Casualty Co's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where PICC Property and Casualty Co'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.
PICC Property and Casualty Co (FRA:PJC) has a 3-Year ROIIC % of 6.11 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 PICC Property and Casualty Co and its competitors. This is 25% above median its historical median of 4.88. According to the industry distribution chart, PICC Property and Casualty Co ranks #156 out of 335 companies in the Insurance industry, placing it in the top 46.6%.
Is PICC Property and Casualty Co's 3-Year ROIIC % too high?
PICC Property and Casualty Co's current 3-Year ROIIC % of 6.11 is 25% above median its 10-year median of 4.88. The Insurance industry median 3-Year ROIIC % is 5.20. PICC Property and Casualty Co's value of 6.11 is 17.5% above this industry median. Based on the distribution chart, PICC Property and Casualty Co ranks #156 out of 335 companies in the Insurance industry, which is above the industry midpoint. Overall, PICC Property and Casualty Co has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PICC Property and Casualty Co's 3-Year ROIIC % compare to CB and PGR?
According to the Insurance industry distribution chart, PICC Property and Casualty Co ranks #156 out of 335 companies for 3-Year ROIIC %. This puts PICC Property and Casualty Co in the upper half of its industry. The industry median 3-Year ROIIC % is 5.20. PICC Property and Casualty Co's value of 6.11 is 17.5% above this benchmark. While the company's 10-year median is 4.88 vs. the industry median of 5.20, PICC Property and Casualty Co 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 5.20, based on 335 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. PICC Property and Casualty Co's current 3-Year ROIIC % of 6.11 is 17.5% 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 PICC Property and Casualty Co and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PICC Property and Casualty Co's current 3-Year ROIIC % is 6.11, which is 25% above median its own 10-year median of 4.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PICC Property and Casualty Co stock overvalued right now?
Based on GuruFocus' analysis, PICC Property and Casualty Co (FRA:PJC) is currently considered Modestly Overvalued. The stock's GF Value™ is €1.43, compared to a current price of €1.59 — trading 11% above its estimated fair value. The current 3-Year ROIIC % is 6.11, which is 25% above median its 10-year median of 4.88 and 17.5% above the Insurance industry median of 5.20. PICC Property and Casualty Co's overall GF Score™ is 77/100 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 PICC Property and Casualty Co (FRA:PJC), the current 3-Year ROIIC % is 6.11 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 PICC Property and Casualty Co (FRA:PJC) Overvalued in 2026?
Based on GuruFocus' analysis, PICC Property and Casualty Co stock appears to be overvalued.
The current stock price of €1.59 is trading 11% above its estimated GF Value™ of €1.43.
GuruFocus considers PICC Property and Casualty Co to be Modestly Overvalued.
Key valuation signals for FRA:PJC:
3-Year ROIIC %: 6.11 (25% above median its 10-year median of 4.88)
GF Value™: €1.43 vs. price of €1.59 (11% above fair value)
Industry Position: 17.5% above the Insurance median (#156 of 335)
No single metric tells the full story. See the FRA:PJC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PICC Property and Casualty Co Business Description
PICC P&C is headquartered in Beijing. The company is China's largest nonlife insurer, commanding nearly 33% domestic market share. Founded by the People's Bank of China in 1949, PICC P&C operates as the flagship subsidiary of PICC Group—a state-owned insurance holding company that retains a 69% equity stake. The company underwrites a comprehensive suite of nonlife insurance products spanning auto, commercial property, liability, credit and surety, accident and health, energy and aerospace, and agricultural lines.
77GF Score
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