Mitsubishi HC CapitalMIUFF 83 3-Year ROIIC % is 2.46 as of Mar. 2026, which is 85% above its 10-year median of 1.33. GuruFocus rates MIUFF with a GF Score™ of 83/100 and a GF Value™ of $6.62. The stock has 3 warning signs investors should review. Among 393 Credit Services companies, Mitsubishi HC Capital ranks worse than 51.65% 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.
Mitsubishi HC Capital's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 2.46%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Mitsubishi HC Capital's 3-Year ROIIC % or its related term are showing as below:
MIUFF's 3-Year ROIIC % is ranked worse than 51.65% of 393
companies
in the Credit Services industry
Industry Median: 2.85
vs MIUFF: 2.46
Mitsubishi HC Capital (OTCPK:MIUFF) 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.
Mitsubishi HC Capital 3-Year ROIIC % Related Terms
Mitsubishi HC Capital 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Mitsubishi HC Capital'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.
For the Credit Services subindustry, Mitsubishi HC Capital'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.
Mitsubishi HC Capital 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mitsubishi HC Capital's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Mitsubishi HC Capital'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.
Mitsubishi HC Capital (MIUFF) has a 3-Year ROIIC % of 2.46 as of Mar. 2026. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Mitsubishi HC Capital and its competitors. This is 85% above median its historical median of 1.33. According to the industry distribution chart, Mitsubishi HC Capital ranks #203 out of 393 companies in the Credit Services industry, placing it in the top 51.7%.
Is Mitsubishi HC Capital's 3-Year ROIIC % too high?
Mitsubishi HC Capital's current 3-Year ROIIC % of 2.46 is 85% above median its 10-year median of 1.33. The Credit Services industry median 3-Year ROIIC % is 2.85. Mitsubishi HC Capital's value of 2.46 is 13.7% below this industry median. Based on the distribution chart, Mitsubishi HC Capital ranks #203 out of 393 companies in the Credit Services industry, which is below the industry midpoint. Overall, Mitsubishi HC Capital has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does Mitsubishi HC Capital's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Mitsubishi HC Capital ranks #203 out of 393 companies for 3-Year ROIIC %. This places Mitsubishi HC Capital in the lower half of its industry. The industry median 3-Year ROIIC % is 2.85. Mitsubishi HC Capital's value of 2.46 is 13.7% below this benchmark. While the company's 10-year median is 1.33 vs. the industry median of 2.85, Mitsubishi HC Capital 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 a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.85, based on 393 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. Mitsubishi HC Capital's current 3-Year ROIIC % of 2.46 is 13.7% 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 Mitsubishi HC Capital and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mitsubishi HC Capital's current 3-Year ROIIC % is 2.46, which is 85% above median its own 10-year median of 1.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mitsubishi HC Capital stock overvalued right now?
Mitsubishi HC Capital (MIUFF) has a current 3-Year ROIIC % of 2.46. The stock's GF Value™ is $6.62, compared to a current price of $7.50 — trading 13.3% above its estimated fair value. The current 3-Year ROIIC % is 2.46, which is 85% above median its 10-year median of 1.33 and 13.7% below the Credit Services industry median of 2.85. Mitsubishi HC Capital's overall GF Score™ is 83/100 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 Mitsubishi HC Capital (MIUFF), the current 3-Year ROIIC % is 2.46 as of Mar. 2026. 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 Mitsubishi HC Capital (MIUFF) Overvalued in 2026?
Based on GuruFocus' analysis, Mitsubishi HC Capital stock appears to be overvalued.
The current stock price of $7.50 is trading 13.3% above its estimated GF Value™ of $6.62.
Key valuation signals for MIUFF:
3-Year ROIIC %: 2.46 (85% above median its 10-year median of 1.33)
GF Value™: $6.62 vs. price of $7.50 (13.3% above fair value)
Industry Position: 13.7% below the Credit Services median (#203 of 393)
No single metric tells the full story. See the MIUFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mitsubishi HC Capital Inc is a Japan-based company engaged in providing comprehensive financial services. The company operates through several reportable segments, including Customer Solution, Overseas Region, Environmental Energy, Aviation, Logistics, Real Estate, and Mobility. Its businesses include finance solutions for corporations and government agencies, energy-saving and vendor finance, renewable energy and environmental finance, aircraft and engine leasing, marine container and railway freight car leasing, real estate finance and investment, and automobile leasing and related services. It generates the majority of its revenue from the Customer Solutions segment.
83GF Score
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