Eleving GroupORSE:ELEVR -0.30%38 3-Year ROIIC % is 2.03 as of Dec. 2025, which is 84% below its 10-year median of 12.53. GuruFocus rates ORSE:ELEVR with a GF Score™ of 38/100. The stock has 3 warning signs investors should review. Among 393 Credit Services companies, Eleving Group ranks worse than 54.45% 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.
Eleving Group's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 2.03%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Eleving Group's 3-Year ROIIC % or its related term are showing as below:
ORSE:ELEVR's 3-Year ROIIC % is ranked worse than 54.45% of 393
companies
in the Credit Services industry
Industry Median: 2.85
vs ORSE:ELEVR: 2.03
Eleving Group (ORSE:ELEVR) 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.
Eleving Group 3-Year ROIIC % Related Terms
Eleving Group 3-Year ROIIC % Historical Data
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The historical data trend for Eleving Group'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.
ORSE:ELEVR vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Eleving Group'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.
Eleving Group 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Eleving Group's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Eleving Group'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.
Eleving Group (ORSE:ELEVR) has a 3-Year ROIIC % of 2.03 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 Eleving Group and its competitors. This is 84% below median its historical median of 12.53. Over the past decade, Eleving Group's 3-Year ROIIC % has ranged from 2.03 to 23.02. According to the industry distribution chart, Eleving Group ranks #214 out of 393 companies in the Credit Services industry, placing it in the top 54.5%.
Is Eleving Group's 3-Year ROIIC % too high?
Eleving Group's current 3-Year ROIIC % of 2.03 is 84% below median its 10-year median of 12.53. Over the past 10 years, this metric has ranged from a low of 2.03 to a high of 23.02. The Credit Services industry median 3-Year ROIIC % is 2.85. Eleving Group's value of 2.03 is 28.8% below this industry median. Based on the distribution chart, Eleving Group ranks #214 out of 393 companies in the Credit Services industry, which is below the industry midpoint. Overall, Eleving Group has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does Eleving Group's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Eleving Group ranks #214 out of 393 companies for 3-Year ROIIC %. This places Eleving Group in the lower half of its industry. The industry median 3-Year ROIIC % is 2.85. Eleving Group's value of 2.03 is 28.8% below this benchmark. Historically, Eleving Group's own 3-Year ROIIC % has ranged from 2.03 to 23.02 over the past decade. While the company's 10-year median is 12.53 vs. the industry median of 2.85, Eleving Group 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. Eleving Group's current 3-Year ROIIC % of 2.03 is 28.8% 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 Eleving Group 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. Eleving Group's current 3-Year ROIIC % is 2.03, which is 84% below median its own 10-year median of 12.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Eleving Group stock overvalued right now?
Eleving Group (ORSE:ELEVR) has a current 3-Year ROIIC % of 2.03. The current 3-Year ROIIC % is 2.03, which is 84% below median its 10-year median of 12.53 and 28.8% below the Credit Services industry median of 2.85. Eleving Group's overall GF Score™ is 38/100 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 Eleving Group (ORSE:ELEVR), the current 3-Year ROIIC % is 2.03 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.
Eleving Group SA is a fintech company providing vehicle, device, and consumer lending solutions across both emerging and developed markets. The Group operates two core business lines: vehicle & device finance, offering car and motorcycle loans, car rent-to-own solutions, and smartphone financing, and consumer finance, which includes single-payment, instalment, and long-term unsecured loans. It has presence in around 17 markets across three continents, the Group focuses on expanding access to financial services, supporting financial inclusion, and promoting upward social mobility in underserved communities world-wide.
38GF Score
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