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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.
Novina Pozyczkihipoteczne.Eu's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 1.86%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
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.
Novina Pozyczkihipoteczne.Eu 3-Year ROIIC % Related Terms
Novina Pozyczkihipoteczne.Eu 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.
For the Credit Services subindustry, Novina Pozyczkihipoteczne.Eu'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.
Novina Pozyczkihipoteczne.Eu 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Novina Pozyczkihipoteczne.Eu's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Novina Pozyczkihipoteczne.Eu's 3-Year ROIIC % falls into.
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 0.6548054 (Dec. 2025) - 0.537258 (Dec. 2022) )
/
( 8.929 (Dec. 2025) - 2.6 (Dec. 2022) )
=
0.1175474
/
6.329
=
1.86%***
* 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.
Novina Pozyczkihipoteczne.Eu (FRA:T36) has a 3-Year ROIIC % of 1.86 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 Novina Pozyczkihipoteczne.Eu and its competitors. This is 92% below median its historical median of 23.16. According to the industry distribution chart, Novina Pozyczkihipoteczne.Eu ranks #217 out of 393 companies in the Credit Services industry, placing it in the top 55.2%.
Is Novina Pozyczkihipoteczne.Eu's 3-Year ROIIC % too high?
Novina Pozyczkihipoteczne.Eu's current 3-Year ROIIC % of 1.86 is 92% below median its 10-year median of 23.16. The Credit Services industry median 3-Year ROIIC % is 2.76. Novina Pozyczkihipoteczne.Eu's value of 1.86 is 32.6% below this industry median. Based on the distribution chart, Novina Pozyczkihipoteczne.Eu ranks #217 out of 393 companies in the Credit Services industry, which is below the industry midpoint. Overall, Novina Pozyczkihipoteczne.Eu has a GF Score™ of 69/100, reflecting its overall financial health beyond just this single metric.
How does Novina Pozyczkihipoteczne.Eu's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Novina Pozyczkihipoteczne.Eu ranks #217 out of 393 companies for 3-Year ROIIC %. This places Novina Pozyczkihipoteczne.Eu in the lower half of its industry. The industry median 3-Year ROIIC % is 2.76. Novina Pozyczkihipoteczne.Eu's value of 1.86 is 32.6% below this benchmark. While the company's 10-year median is 23.16 vs. the industry median of 2.76, Novina Pozyczkihipoteczne.Eu 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 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. Novina Pozyczkihipoteczne.Eu's current 3-Year ROIIC % of 1.86 is 32.6% 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 Novina Pozyczkihipoteczne.Eu 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. Novina Pozyczkihipoteczne.Eu's current 3-Year ROIIC % is 1.86, which is 92% below median its own 10-year median of 23.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Novina Pozyczkihipoteczne.Eu stock overvalued right now?
Novina Pozyczkihipoteczne.Eu (FRA:T36) has a current 3-Year ROIIC % of 1.86. The stock's GF Value™ is €0.20, compared to a current price of €0.13 — trading 33.8% below its estimated fair value. The current 3-Year ROIIC % is 1.86, which is 92% below median its 10-year median of 23.16 and 32.6% below the Credit Services industry median of 2.76. Novina Pozyczkihipoteczne.Eu's overall GF Score™ is 69/100 with 3 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 Novina Pozyczkihipoteczne.Eu (FRA:T36), the current 3-Year ROIIC % is 1.86 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 Novina Pozyczkihipoteczne.Eu (FRA:T36) Overvalued in 2026?
Based on GuruFocus' analysis, Novina Pozyczkihipoteczne.Eu stock appears to be undervalued.
The current stock price of €0.13 is trading 33.8% below its estimated GF Value™ of €0.20.
Key valuation signals for FRA:T36:
3-Year ROIIC %: 1.86 (92% below median its 10-year median of 23.16)
GF Value™: €0.20 vs. price of €0.13 (33.8% below fair value)
Industry Position: 32.6% below the Credit Services median (#217 of 393)
No single metric tells the full story. See the FRA:T36 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Novina Pozyczkihipoteczne.Eu SA formerly Novina SA is an investment company engaged in the financing of projects. The company operates in areas including private equity and secured loan.
69GF Score
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