Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
K CashHKSE:02483 44 3-Year ROIIC % is 7.85 as of Dec. 2025. GuruFocus rates HKSE:02483 with a GF Score™ of 44/100. The stock has 4 warning signs investors should review. Among 395 Credit Services companies, K Cash ranks better than 67.59% 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.
K Cash's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 7.85%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for K Cash's 3-Year ROIIC % or its related term are showing as below:
HKSE:02483's 3-Year ROIIC % is ranked better than 67.59% of 395
companies
in the Credit Services industry
Industry Median: 2.9
vs HKSE:02483: 7.85
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.
K Cash 3-Year ROIIC % Related Terms
K Cash 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for K Cash'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.
HKSE:02483 vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, K Cash'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.
K Cash 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, K Cash's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where K Cash'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.
K Cash (HKSE:02483) has a 3-Year ROIIC % of 7.85 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 K Cash and its competitors. According to the industry distribution chart, K Cash ranks #128 out of 395 companies in the Credit Services industry, placing it in the top 32.4%.
Is K Cash's 3-Year ROIIC % too high?
K Cash's current 3-Year ROIIC % is 7.85. The Credit Services industry median 3-Year ROIIC % is 2.90. K Cash's value of 7.85 is 170.7% above this industry median. Based on the distribution chart, K Cash ranks #128 out of 395 companies in the Credit Services industry, which is above the industry midpoint. Overall, K Cash has a GF Score™ of 44/100, reflecting its overall financial health beyond just this single metric.
How does K Cash's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, K Cash ranks #128 out of 395 companies for 3-Year ROIIC %. This puts K Cash in the upper half of its industry. The industry median 3-Year ROIIC % is 2.90. K Cash's value of 7.85 is 170.7% 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 2.90, based on 395 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. K Cash's current 3-Year ROIIC % of 7.85 is 170.7% 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 K Cash and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. K Cash's current 3-Year ROIIC % is 7.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is K Cash stock overvalued right now?
K Cash (HKSE:02483) has a current 3-Year ROIIC % of 7.85. The current 3-Year ROIIC % is 7.85 and 170.7% above the Credit Services industry median of 2.90. K Cash's overall GF Score™ is 44/100 with 4 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 K Cash (HKSE:02483), the current 3-Year ROIIC % is 7.85 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.
K Cash Corp Ltd is a moneylender that provides secured and unsecured loan financing to individuals and corporations in Hong Kong. The company offers SME loans, unsecured property owner loans, unsecured personal loans, and credit card advances. The majority of its revenue is generated in the form of interest income from unsecured property owner loans.
44GF Score
Get the complete analysis for HKSE:02483
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
HKSE:02483 has been successfully added to your 
