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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.
Malath Cooperative Insurance Co's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 0.00%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
SAU:8020's 3-Year ROIIC % is not ranked *
in the Insurance industry.
Industry Median: 5.02 * Ranked among companies with meaningful 3-Year ROIIC % only.
Malath Cooperative Insurance Co (SAU:8020) 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.
Malath Cooperative Insurance Co 3-Year ROIIC % Related Terms
Malath Cooperative Insurance Co 3-Year ROIIC % Historical Data
* 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.
Malath Cooperative Insurance Co 3-Year ROIIC % Chart
SAU:8020 vs CB, PGR, TRV: 3-Year ROIIC % Comparison
For the Insurance - Property & Casualty subindustry, Malath Cooperative Insurance Co'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.
Malath Cooperative Insurance Co 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Malath Cooperative Insurance Co's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Malath Cooperative Insurance Co's 3-Year ROIIC % falls into.
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 0 (Dec. 2025) - 0 (Dec. 2022) )
/
( 1076.196 (Dec. 2025) - 667.43095 (Dec. 2022) )
=
/
408.76505
=
0.00%***
* 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.
Malath Cooperative Insurance Co (SAU:8020) has a 3-Year ROIIC % of 0.00 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 Malath Cooperative Insurance Co and its competitors. According to the industry distribution chart, Malath Cooperative Insurance Co ranks #999999 out of 340 companies in the Insurance industry.
Is Malath Cooperative Insurance Co's 3-Year ROIIC % too high?
Malath Cooperative Insurance Co's current 3-Year ROIIC % is 0.00. Based on the distribution chart, Malath Cooperative Insurance Co ranks #999999 out of 340 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Malath Cooperative Insurance Co has a GF Score™ of 76/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Malath Cooperative Insurance Co's 3-Year ROIIC % compare to CB and PGR?
According to the Insurance industry distribution chart, Malath Cooperative Insurance Co ranks #999999 out of 340 companies for 3-Year ROIIC %. This places Malath Cooperative Insurance Co in the lower half of its industry. The industry median 3-Year ROIIC % is 5.02. 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 5.02, based on 340 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 Malath Cooperative Insurance Co and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Malath Cooperative Insurance Co's current 3-Year ROIIC % is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Malath Cooperative Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Malath Cooperative Insurance Co (SAU:8020) is currently considered Possible Value Trap. The stock's GF Value™ is ﷼24.76, compared to a current price of ﷼10.28 — trading 58.5% below its estimated fair value. The current 3-Year ROIIC % is 0.00. Malath Cooperative Insurance Co's overall GF Score™ is 76/100 with 2 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 Malath Cooperative Insurance Co (SAU:8020), the current 3-Year ROIIC % is 0.00 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 Malath Cooperative Insurance Co (SAU:8020) Overvalued in 2026?
Based on GuruFocus' analysis, Malath Cooperative Insurance Co stock appears to be undervalued.
The current stock price of ﷼10.28 is trading 58.5% below its estimated GF Value™ of ﷼24.76.
GuruFocus considers Malath Cooperative Insurance Co to be Possible Value Trap.
Key valuation signals for SAU:8020:
3-Year ROIIC %: 0.00
GF Value™: ﷼24.76 vs. price of ﷼10.28 (58.5% below fair value)
No single metric tells the full story. See the SAU:8020 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Malath Cooperative Insurance Co is engaged in transacting cooperative insurance operations and all related activities, including reinsurance and agency activities. Its principal line of business includes medical, motor, marine, property, engineering, casualty, and other general insurance. The company's operating segments include Medical, Motor, Property, Engineering, Marine, and Others. Maximum revenue is generated from the Property insurance segment.
76GF Score
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