LifeStar InsuranceMAL:LSI 17 3-Year ROIIC % is 3.36 as of Dec. 2025, which is at its 10-year median of 3.36. GuruFocus rates MAL:LSI with a GF Score™ of 17/100. The stock has 6 warning signs investors should review. Among 333 Insurance companies, LifeStar Insurance ranks worse than 57.96% 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.
LifeStar Insurance's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 3.36%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for LifeStar Insurance's 3-Year ROIIC % or its related term are showing as below:
MAL:LSI's 3-Year ROIIC % is ranked worse than 57.96% of 333
companies
in the Insurance industry
Industry Median: 5.12
vs MAL:LSI: 3.36
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.
LifeStar Insurance 3-Year ROIIC % Related Terms
LifeStar Insurance 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for LifeStar Insurance'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.
MAL:LSI vs AFL, MET, PRU: 3-Year ROIIC % Comparison
For the Insurance - Life subindustry, LifeStar Insurance'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.
LifeStar Insurance 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, LifeStar Insurance's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where LifeStar Insurance'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.
LifeStar Insurance (MAL:LSI) has a 3-Year ROIIC % of 3.36 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 LifeStar Insurance and its competitors. This is near median its historical median of 3.36. According to the industry distribution chart, LifeStar Insurance ranks #193 out of 333 companies in the Insurance industry, placing it in the top 58%.
Is LifeStar Insurance's 3-Year ROIIC % too high?
LifeStar Insurance's current 3-Year ROIIC % of 3.36 is near median its 10-year median of 3.36. The Insurance industry median 3-Year ROIIC % is 5.12. LifeStar Insurance's value of 3.36 is 34.4% below this industry median. Based on the distribution chart, LifeStar Insurance ranks #193 out of 333 companies in the Insurance industry, which is below the industry midpoint. Overall, LifeStar Insurance has a GF Score™ of 17/100, reflecting its overall financial health beyond just this single metric.
How does LifeStar Insurance's 3-Year ROIIC % compare to AFL and MET?
According to the Insurance industry distribution chart, LifeStar Insurance ranks #193 out of 333 companies for 3-Year ROIIC %. This places LifeStar Insurance in the lower half of its industry. The industry median 3-Year ROIIC % is 5.12. LifeStar Insurance's value of 3.36 is 34.4% below this benchmark. While the company's 10-year median is 3.36 vs. the industry median of 5.12, LifeStar Insurance 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 an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.12, 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. LifeStar Insurance's current 3-Year ROIIC % of 3.36 is 34.4% 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 LifeStar Insurance and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LifeStar Insurance's current 3-Year ROIIC % is 3.36, which is near median its own 10-year median of 3.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LifeStar Insurance stock overvalued right now?
LifeStar Insurance (MAL:LSI) has a current 3-Year ROIIC % of 3.36. The current 3-Year ROIIC % is 3.36, which is near median its 10-year median of 3.36 and 34.4% below the Insurance industry median of 5.12. LifeStar Insurance's overall GF Score™ is 17/100 with 6 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 LifeStar Insurance (MAL:LSI), the current 3-Year ROIIC % is 3.36 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.
LifeStar Insurance PLC is a provider of insurance products in Malta offering customers a comprehensive range of protection, savings and investment and retirement life insurance products. Its products are classified under Protection, Savings and Investment, Retirement, and Health products. The company has it's geographical concentration in Italy and Malta regions.
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