MandatumMANDF 36 3-Year ROIIC % is -9.17 as of Dec. 2025. GuruFocus rates MANDF with a GF Score™ of 36/100 and a GF Value™ of $5.85 (Fairly Valued). The stock has 3 warning signs investors should review. Among 176 Diversified Financial Services companies, Mandatum ranks worse than 69.89% 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.
Mandatum's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was -9.17%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Mandatum's 3-Year ROIIC % or its related term are showing as below:
MANDF's 3-Year ROIIC % is ranked worse than 69.89% of 176
companies
in the Diversified Financial Services industry
Industry Median: 0.115
vs MANDF: -9.17
Mandatum (OTCPK:MANDF) 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.
Mandatum 3-Year ROIIC % Related Terms
Mandatum 3-Year ROIIC % Historical Data
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The historical data trend for Mandatum'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.
MANDF vs VOYA, FRHC, HTH: 3-Year ROIIC % Comparison
For the Financial Conglomerates subindustry, Mandatum'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.
Mandatum 3-Year ROIIC % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, Mandatum's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Mandatum'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.
Mandatum (MANDF) has a 3-Year ROIIC % of -9.17 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 Mandatum and its competitors. According to the industry distribution chart, Mandatum ranks #123 out of 176 companies in the Diversified Financial Services industry, placing it in the top 69.9%.
Is Mandatum's 3-Year ROIIC % too high?
Mandatum's current 3-Year ROIIC % is -9.17. Based on the distribution chart, Mandatum ranks #123 out of 176 companies in the Diversified Financial Services industry, which is below the industry midpoint. Overall, Mandatum has a GF Score™ of 36/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Mandatum's 3-Year ROIIC % compare to VOYA and FRHC?
According to the Diversified Financial Services industry distribution chart, Mandatum ranks #123 out of 176 companies for 3-Year ROIIC %. This places Mandatum in the lower half of its industry. The industry median 3-Year ROIIC % is 0.12. 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 Diversified Financial Services company?
The median 3-Year ROIIC % among Diversified Financial Services companies is 0.12, based on 176 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. 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 Mandatum and its competitors. For the Diversified Financial Services industry, the median 3-Year ROIIC % is 0.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mandatum's current 3-Year ROIIC % is -9.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mandatum stock overvalued right now?
Based on GuruFocus' analysis, Mandatum (MANDF) is currently considered Fairly Valued. The stock's GF Value™ is $5.85, compared to a current price of $6.17 — trading 5.5% above its estimated fair value. The current 3-Year ROIIC % is -9.17. Mandatum's overall GF Score™ is 36/100 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 Mandatum (MANDF), the current 3-Year ROIIC % is -9.17 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 Mandatum (MANDF) Overvalued in 2026?
Based on GuruFocus' analysis, Mandatum stock appears to be overvalued.
The current stock price of $6.17 is trading 5.5% above its estimated GF Value™ of $5.85.
GuruFocus considers Mandatum to be Fairly Valued.
Key valuation signals for MANDF:
3-Year ROIIC %: -9.17
GF Value™: $5.85 vs. price of $6.17 (5.5% above fair value)
No single metric tells the full story. See the MANDF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mandatum PLC is a financial services provider that combines expertise in wealth management and life insurance. It offers clients a wide array of services covering asset and wealth management, savings and investment, compensation and rewards as well as pension plans and personal risk insurance. The reportable segments are: Institutional & wealth management, Corporate clients, Retail clients and With-profit business.
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