PSG Financial ServicesNAM:KFS 81 3-Year ROIIC % is 0.38 as of Feb. 2026, which is 12% above its 10-year median of 0.34. GuruFocus rates NAM:KFS with a GF Score™ of 81/100 and a GF Value™ of R21.54 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 648 Asset Management companies, PSG Financial Services ranks worse than 55.56% 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.
PSG Financial Services's 3-Year ROIIC % for the quarter that ended in Feb. 2026 was 0.38%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for PSG Financial Services's 3-Year ROIIC % or its related term are showing as below:
NAM:KFS's 3-Year ROIIC % is ranked worse than 55.56% of 648
companies
in the Asset Management industry
Industry Median: 2.295
vs NAM:KFS: 0.38
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.
PSG Financial Services 3-Year ROIIC % Related Terms
PSG Financial Services 3-Year ROIIC % Historical Data
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The historical data trend for PSG Financial Services'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.
NAM:KFS vs BLK, BX, KKR: 3-Year ROIIC % Comparison
For the Asset Management subindustry, PSG Financial Services'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.
PSG Financial Services 3-Year ROIIC % vs Asset Management Industry
For the Asset Management industry and Financial Services sector, PSG Financial Services's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where PSG Financial Services'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.
PSG Financial Services (NAM:KFS) has a 3-Year ROIIC % of 0.38 as of Feb. 2026. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on PSG Financial Services and its competitors. This is 12% above median its historical median of 0.34. According to the industry distribution chart, PSG Financial Services ranks #360 out of 648 companies in the Asset Management industry, placing it in the top 55.6%.
Is PSG Financial Services' 3-Year ROIIC % too high?
PSG Financial Services' current 3-Year ROIIC % of 0.38 is 12% above median its 10-year median of 0.34. The Asset Management industry median 3-Year ROIIC % is 2.30. PSG Financial Services' value of 0.38 is 83.4% below this industry median. Based on the distribution chart, PSG Financial Services ranks #360 out of 648 companies in the Asset Management industry, which is below the industry midpoint. Overall, PSG Financial Services has a GF Score™ of 81/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PSG Financial Services' 3-Year ROIIC % compare to BLK and BX?
According to the Asset Management industry distribution chart, PSG Financial Services ranks #360 out of 648 companies for 3-Year ROIIC %. This places PSG Financial Services in the lower half of its industry. The industry median 3-Year ROIIC % is 2.30. PSG Financial Services' value of 0.38 is 83.4% below this benchmark. While the company's 10-year median is 0.34 vs. the industry median of 2.30, PSG Financial Services 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 Asset Management company?
The median 3-Year ROIIC % among Asset Management companies is 2.30, based on 648 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. PSG Financial Services's current 3-Year ROIIC % of 0.38 is 83.4% 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 PSG Financial Services and its competitors. For the Asset Management industry, the median 3-Year ROIIC % is 2.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PSG Financial Services's current 3-Year ROIIC % is 0.38, which is 12% above median its own 10-year median of 0.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PSG Financial Services stock overvalued right now?
Based on GuruFocus' analysis, PSG Financial Services (NAM:KFS) is currently considered Significantly Overvalued. The stock's GF Value™ is R21.54, compared to a current price of R31.54 — trading 46.4% above its estimated fair value. The current 3-Year ROIIC % is 0.38, which is 12% above median its 10-year median of 0.34 and 83.4% below the Asset Management industry median of 2.30. PSG Financial Services' overall GF Score™ is 81/100 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 PSG Financial Services (NAM:KFS), the current 3-Year ROIIC % is 0.38 as of Feb. 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 PSG Financial Services (NAM:KFS) Overvalued in 2026?
Based on GuruFocus' analysis, PSG Financial Services stock appears to be overvalued.
The current stock price of R31.54 is trading 46.4% above its estimated GF Value™ of R21.54.
GuruFocus considers PSG Financial Services to be Significantly Overvalued.
Key valuation signals for NAM:KFS:
3-Year ROIIC %: 0.38 (12% above median its 10-year median of 0.34)
GF Value™: R21.54 vs. price of R31.54 (46.4% above fair value)
Industry Position: 83.4% below the Asset Management median (#360 of 648)
No single metric tells the full story. See the NAM:KFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PSG Financial Services Ltd is an independent financial services company. Business is executed through three operating divisions: PSG Wealth, PSG Asset Management, and PSG Insure. PSG Wealth provides the group with nearly half of its income, with PSG Insure outweighing PSG Asset Management. Through the Wealth unit, PSG delivers a comprehensive suite of products to individuals, families, and businesses. Some of the PSG Wealth offerings include investment products, stockbroking, estate and trust services, and many other related products. PSG is structured into three segments which are PSG Wealth, generating income from managed and platform assets; PSG Asset Management, deriving income from assets under management; PSG Insure, earning income from premiums and underwriting.
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