OUTsurance GroupJSE:OUT +0.83%65 3-Year ROIIC % is 24.30 as of Jun. 2025, which is 421% above its 10-year median of 4.66. GuruFocus rates JSE:OUT with a GF Score™ of 65/100 and a GF Value™ of R46.20 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 332 Insurance companies, OUTsurance Group ranks better than 79.82% 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.
OUTsurance Group's 3-Year ROIIC % for the quarter that ended in Jun. 2025 was 24.30%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for OUTsurance Group's 3-Year ROIIC % or its related term are showing as below:
JSE:OUT's 3-Year ROIIC % is ranked better than 79.82% of 332
companies
in the Insurance industry
Industry Median: 5.275
vs JSE:OUT: 24.30
OUTsurance Group (JSE:OUT) 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.
OUTsurance Group 3-Year ROIIC % Related Terms
OUTsurance Group 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for OUTsurance Group'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.
JSE:OUT vs BRK.A, AIG, HIG: 3-Year ROIIC % Comparison
For the Insurance - Diversified subindustry, OUTsurance Group'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.
OUTsurance Group 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, OUTsurance Group's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where OUTsurance Group's 3-Year ROIIC % falls into.
OUTsurance Group's 3-Year ROIIC % for the quarter that ended in Jun. 2025 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 5287.1895 (Jun. 2025) - 1712.6055 (Jun. 2022) )
/
( 36921.6 (Jun. 2025) - 22212.15 (Jun. 2022) )
=
3574.584
/
14709.45
=
24.30%***
* 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.
OUTsurance Group (JSE:OUT) has a 3-Year ROIIC % of 24.30 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 OUTsurance Group and its competitors. This is 421% above median its historical median of 4.66. According to the industry distribution chart, OUTsurance Group ranks #67 out of 332 companies in the Insurance industry, placing it in the top 20.2%.
Is OUTsurance Group's 3-Year ROIIC % too high?
OUTsurance Group's current 3-Year ROIIC % of 24.30 is 421% above median its 10-year median of 4.66. The Insurance industry median 3-Year ROIIC % is 5.28. OUTsurance Group's value of 24.30 is 360.7% above this industry median. Based on the distribution chart, OUTsurance Group ranks #67 out of 332 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, OUTsurance Group has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OUTsurance Group's 3-Year ROIIC % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, OUTsurance Group ranks #67 out of 332 companies for 3-Year ROIIC %. This places OUTsurance Group in the top 20% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 5.28. OUTsurance Group's value of 24.30 is 360.7% above this benchmark. While the company's 10-year median is 4.66 vs. the industry median of 5.28, OUTsurance Group 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 5.28, based on 332 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. OUTsurance Group's current 3-Year ROIIC % of 24.30 is 360.7% 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 OUTsurance Group 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. OUTsurance Group's current 3-Year ROIIC % is 24.30, which is 421% above median its own 10-year median of 4.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OUTsurance Group stock overvalued right now?
Based on GuruFocus' analysis, OUTsurance Group (JSE:OUT) is currently considered Significantly Overvalued. The stock's GF Value™ is R46.20, compared to a current price of R79.85 — trading 72.8% above its estimated fair value. The current 3-Year ROIIC % is 24.30, which is 421% above median its 10-year median of 4.66 and 360.7% above the Insurance industry median of 5.28. OUTsurance Group's overall GF Score™ is 65/100 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 OUTsurance Group (JSE:OUT), the current 3-Year ROIIC % is 24.30 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 OUTsurance Group (JSE:OUT) Overvalued in 2026?
Based on GuruFocus' analysis, OUTsurance Group stock appears to be overvalued.
The current stock price of R79.85 is trading 72.8% above its estimated GF Value™ of R46.20.
GuruFocus considers OUTsurance Group to be Significantly Overvalued.
Key valuation signals for JSE:OUT:
3-Year ROIIC %: 24.30 (421% above median its 10-year median of 4.66)
GF Value™: R46.20 vs. price of R79.85 (72.8% above fair value)
Industry Position: 360.7% above the Insurance median (#67 of 332)
No single metric tells the full story. See the JSE:OUT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OUTsurance Group Ltd is an insurance group that specialises in Property and Casualty insurance. Its main segments include personal insurance, business insurance, compulsory third-party vehicle insurance, life insurance, and administration services. The company provides motor, home, business, life, funeral, and pet insurance products through its subsidiaries. The company's primary source of revenue is insurance premiums. The group's activities are focused on the South African, Australian and Irish markets.
65GF Score
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