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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.
Powszechny Zaklad Ubezpieczen's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 10.13%. 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.
Powszechny Zaklad Ubezpieczen 3-Year ROIIC % Related Terms
Powszechny Zaklad Ubezpieczen 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.
LTS:0MYY vs CB, PGR, TRV: 3-Year ROIIC % Comparison
For the Insurance - Property & Casualty subindustry, Powszechny Zaklad Ubezpieczen'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.
Powszechny Zaklad Ubezpieczen 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Powszechny Zaklad Ubezpieczen's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Powszechny Zaklad Ubezpieczen'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.
Powszechny Zaklad Ubezpieczen (LTS:0MYY) has a 3-Year ROIIC % of 10.13 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 Powszechny Zaklad Ubezpieczen and its competitors. This is 412% above median its historical median of 1.98. According to the industry distribution chart, Powszechny Zaklad Ubezpieczen ranks #123 out of 333 companies in the Insurance industry, placing it in the top 36.9%.
Is Powszechny Zaklad Ubezpieczen's 3-Year ROIIC % too high?
Powszechny Zaklad Ubezpieczen's current 3-Year ROIIC % of 10.13 is 412% above median its 10-year median of 1.98. The Insurance industry median 3-Year ROIIC % is 5.35. Powszechny Zaklad Ubezpieczen's value of 10.13 is 89.3% above this industry median. Based on the distribution chart, Powszechny Zaklad Ubezpieczen ranks #123 out of 333 companies in the Insurance industry, which is above the industry midpoint. Overall, Powszechny Zaklad Ubezpieczen has a GF Score™ of 87/100, reflecting its overall financial health beyond just this single metric.
How does Powszechny Zaklad Ubezpieczen's 3-Year ROIIC % compare to CB and PGR?
According to the Insurance industry distribution chart, Powszechny Zaklad Ubezpieczen ranks #123 out of 333 companies for 3-Year ROIIC %. This puts Powszechny Zaklad Ubezpieczen in the upper half of its industry. The industry median 3-Year ROIIC % is 5.35. Powszechny Zaklad Ubezpieczen's value of 10.13 is 89.3% above this benchmark. While the company's 10-year median is 1.98 vs. the industry median of 5.35, Powszechny Zaklad Ubezpieczen 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 5.35, based on 333 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. Powszechny Zaklad Ubezpieczen's current 3-Year ROIIC % of 10.13 is 89.3% 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 Powszechny Zaklad Ubezpieczen and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Powszechny Zaklad Ubezpieczen's current 3-Year ROIIC % is 10.13, which is 412% above median its own 10-year median of 1.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Powszechny Zaklad Ubezpieczen stock overvalued right now?
Powszechny Zaklad Ubezpieczen (LTS:0MYY) has a current 3-Year ROIIC % of 10.13. The stock's GF Value™ is zł37.08, compared to a current price of zł42.09 — trading 13.5% above its estimated fair value. The current 3-Year ROIIC % is 10.13, which is 412% above median its 10-year median of 1.98 and 89.3% above the Insurance industry median of 5.35. Powszechny Zaklad Ubezpieczen's overall GF Score™ is 87/100 with 9 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 Powszechny Zaklad Ubezpieczen (LTS:0MYY), the current 3-Year ROIIC % is 10.13 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 Powszechny Zaklad Ubezpieczen (LTS:0MYY) Overvalued in 2026?
Based on GuruFocus' analysis, Powszechny Zaklad Ubezpieczen stock appears to be overvalued.
The current stock price of zł42.09 is trading 13.5% above its estimated GF Value™ of zł37.08.
Key valuation signals for LTS:0MYY:
3-Year ROIIC %: 10.13 (412% above median its 10-year median of 1.98)
GF Value™: zł37.08 vs. price of zł42.09 (13.5% above fair value)
Industry Position: 89.3% above the Insurance median (#123 of 333)
No single metric tells the full story. See the LTS:0MYY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Powszechny Zaklad Ubezpieczen Business Description
Powszechny Zaklad Ubezpieczen SA is a property and casualty insurance company that operates in the Central and Eastern European region with an emphasis on the Polish market. The company's main strategic objectives include stable financial results, broad growth, and innovation. The vast majority of Powszechny's revenue is generated from gross written premiums, followed by results of its investment activities. The company serves clients through its own agency network along with sales through external agency centers.
87GF Score
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