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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.
Al-Etihad Cooperative Insurance Co's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 123.91%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Al-Etihad Cooperative Insurance Co (SAU:8170) 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.
Al-Etihad Cooperative Insurance Co 3-Year ROIIC % Related Terms
Al-Etihad 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.
Al-Etihad Cooperative Insurance Co 3-Year ROIIC % Chart
SAU:8170 vs BRK.A, AIG, HIG: 3-Year ROIIC % Comparison
For the Insurance - Diversified subindustry, Al-Etihad 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.
Al-Etihad Cooperative Insurance Co 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Al-Etihad Cooperative Insurance Co's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Al-Etihad Cooperative Insurance Co's 3-Year ROIIC % falls into.
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( -232.443 (Dec. 2025) - 12.8053305 (Dec. 2022) )
/
( 1163.5242 (Dec. 2025) - 1361.4498 (Dec. 2022) )
=
-245.2483305
/
-197.9256
=
123.91%***
* 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.
Al-Etihad Cooperative Insurance Co (SAU:8170) has a 3-Year ROIIC % of 123.91 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 Al-Etihad Cooperative Insurance Co and its competitors. This is 1607% above median its historical median of 7.26. According to the industry distribution chart, Al-Etihad Cooperative Insurance Co ranks #16 out of 338 companies in the Insurance industry, placing it in the top 4.7%.
Is Al-Etihad Cooperative Insurance Co's 3-Year ROIIC % too high?
Al-Etihad Cooperative Insurance Co's current 3-Year ROIIC % of 123.91 is 1607% above median its 10-year median of 7.26. The Insurance industry median 3-Year ROIIC % is 5.06. Al-Etihad Cooperative Insurance Co's value of 123.91 is 2351.2% above this industry median. Based on the distribution chart, Al-Etihad Cooperative Insurance Co ranks #16 out of 338 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Al-Etihad Cooperative Insurance Co has a GF Score™ of 65/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al-Etihad Cooperative Insurance Co's 3-Year ROIIC % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Al-Etihad Cooperative Insurance Co ranks #16 out of 338 companies for 3-Year ROIIC %. This places Al-Etihad Cooperative Insurance Co in the top 5% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 5.06. Al-Etihad Cooperative Insurance Co's value of 123.91 is 2351.2% above this benchmark. While the company's 10-year median is 7.26 vs. the industry median of 5.06, Al-Etihad Cooperative Insurance Co has consistently been above 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 Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.06, based on 338 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. Al-Etihad Cooperative Insurance Co's current 3-Year ROIIC % of 123.91 is 2351.2% above 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 Al-Etihad Cooperative Insurance Co and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al-Etihad Cooperative Insurance Co's current 3-Year ROIIC % is 123.91, which is 1607% above median its own 10-year median of 7.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al-Etihad Cooperative Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Al-Etihad Cooperative Insurance Co (SAU:8170) is currently considered Significantly Undervalued. The stock's GF Value™ is ﷼10.37, compared to a current price of ﷼6.76 — trading 34.8% below its estimated fair value. The current 3-Year ROIIC % is 123.91, which is 1607% above median its 10-year median of 7.26 and 2351.2% above the Insurance industry median of 5.06. Al-Etihad Cooperative Insurance Co's overall GF Score™ is 65/100 with 1 warning sign 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 Al-Etihad Cooperative Insurance Co (SAU:8170), the current 3-Year ROIIC % is 123.91 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 Al-Etihad Cooperative Insurance Co (SAU:8170) Overvalued in 2026?
Based on GuruFocus' analysis, Al-Etihad Cooperative Insurance Co stock appears to be undervalued.
The current stock price of ﷼6.76 is trading 34.8% below its estimated GF Value™ of ﷼10.37.
GuruFocus considers Al-Etihad Cooperative Insurance Co to be Significantly Undervalued.
Key valuation signals for SAU:8170:
3-Year ROIIC %: 123.91 (1607% above median its 10-year median of 7.26)
GF Value™: ﷼10.37 vs. price of ﷼6.76 (34.8% below fair value)
Industry Position: 2351.2% above the Insurance median (#16 of 338)
No single metric tells the full story. See the SAU:8170 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al-Etihad Cooperative Insurance Co provides insurance and reinsurance services in Saudi Arabia. It offers services through the segments of Medical insurance, Property insurance, Engineering, Motor insurance, General accident, and others.
65GF Score
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