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Phu Nhuan Jewelry JSCSTC:PNJ -4.65%95 3-Year ROIIC % is 18.96 as of Dec. 2025, which is 5% above its 10-year median of 18.06. GuruFocus rates STC:PNJ with a GF Score™ of 95/100 and a GF Value™ of ₫70,036.13 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,059 Retail - Cyclical companies, Phu Nhuan Jewelry JSC ranks better than 71.29% 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.
Phu Nhuan Jewelry JSC's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 18.96%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Phu Nhuan Jewelry JSC's 3-Year ROIIC % or its related term are showing as below:
STC:PNJ's 3-Year ROIIC % is ranked better than 71.29% of 1059
companies
in the Retail - Cyclical industry
Industry Median: 4.48
vs STC:PNJ: 18.96
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.
Phu Nhuan Jewelry JSC 3-Year ROIIC % Related Terms
Phu Nhuan Jewelry JSC 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Phu Nhuan Jewelry JSC'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 Luxury Goods subindustry, Phu Nhuan Jewelry JSC'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.
Phu Nhuan Jewelry JSC 3-Year ROIIC % vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Phu Nhuan Jewelry JSC's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Phu Nhuan Jewelry JSC'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.
Phu Nhuan Jewelry JSC (STC:PNJ) has a 3-Year ROIIC % of 18.96 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 Phu Nhuan Jewelry JSC and its competitors. This is near median its historical median of 18.06. Over the past decade, Phu Nhuan Jewelry JSC's 3-Year ROIIC % has ranged from 3.65 to 39.43. According to the industry distribution chart, Phu Nhuan Jewelry JSC ranks #304 out of 1059 companies in the Retail - Cyclical industry, placing it in the top 28.7%.
Is Phu Nhuan Jewelry JSC's 3-Year ROIIC % too high?
Phu Nhuan Jewelry JSC's current 3-Year ROIIC % of 18.96 is near median its 10-year median of 18.06. Over the past 10 years, this metric has ranged from a low of 3.65 to a high of 39.43. The Retail - Cyclical industry median 3-Year ROIIC % is 4.48. Phu Nhuan Jewelry JSC's value of 18.96 is 323.2% above this industry median. Based on the distribution chart, Phu Nhuan Jewelry JSC ranks #304 out of 1059 companies in the Retail - Cyclical industry, which is above the industry midpoint. Overall, Phu Nhuan Jewelry JSC has a GF Score™ of 95/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Phu Nhuan Jewelry JSC's 3-Year ROIIC % compare to TPR and SIG?
According to the Retail - Cyclical industry distribution chart, Phu Nhuan Jewelry JSC ranks #304 out of 1059 companies for 3-Year ROIIC %. This puts Phu Nhuan Jewelry JSC in the upper half of its industry. The industry median 3-Year ROIIC % is 4.48. Phu Nhuan Jewelry JSC's value of 18.96 is 323.2% above this benchmark. Historically, Phu Nhuan Jewelry JSC's own 3-Year ROIIC % has ranged from 3.65 to 39.43 over the past decade. While the company's 10-year median is 18.06 vs. the industry median of 4.48, Phu Nhuan Jewelry JSC 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 a Retail - Cyclical company?
The median 3-Year ROIIC % among Retail - Cyclical companies is 4.48, based on 1,059 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. Phu Nhuan Jewelry JSC's current 3-Year ROIIC % of 18.96 is 323.2% 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 Phu Nhuan Jewelry JSC and its competitors. For the Retail - Cyclical industry, the median 3-Year ROIIC % is 4.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Phu Nhuan Jewelry JSC's current 3-Year ROIIC % is 18.96, which is near median its own 10-year median of 18.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Phu Nhuan Jewelry JSC stock overvalued right now?
Based on GuruFocus' analysis, Phu Nhuan Jewelry JSC (STC:PNJ) is currently considered Significantly Undervalued. The stock's GF Value™ is ₫70,036.13, compared to a current price of ₫41,000.00 — trading 41.5% below its estimated fair value. The current 3-Year ROIIC % is 18.96, which is near median its 10-year median of 18.06 and 323.2% above the Retail - Cyclical industry median of 4.48. Phu Nhuan Jewelry JSC's overall GF Score™ is 95/100 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 Phu Nhuan Jewelry JSC (STC:PNJ), the current 3-Year ROIIC % is 18.96 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 Phu Nhuan Jewelry JSC (STC:PNJ) Overvalued in 2026?
Based on GuruFocus' analysis, Phu Nhuan Jewelry JSC stock appears to be undervalued.
The current stock price of ₫41,000.00 is trading 41.5% below its estimated GF Value™ of ₫70,036.13.
GuruFocus considers Phu Nhuan Jewelry JSC to be Significantly Undervalued.
Key valuation signals for STC:PNJ:
3-Year ROIIC %: 18.96 (near median its 10-year median of 18.06)
GF Value™: ₫70,036.13 vs. price of ₫41,000.00 (41.5% below fair value)
Industry Position: 323.2% above the Retail - Cyclical median (#304 of 1059)
No single metric tells the full story. See the STC:PNJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Phu Nhuan Jewelry JSC is engaged in the manufacturing and trading of gold, silver, jewelry, and gemstones, and imports and exports jewelry in gold, silver, and gemstones. The other activities are mainly trading accessories and jewelry inspection services. It offers products such as rings, earrings, bracelets, pendants, necklaces, etc., under different brands such as CAO Fine Jewellery, Mancode by PNJ, Style by PNJ, PNJArt, PNJ Silver and Accessories, and others. Geographically, the company conducts its operations only in Vietnam.
95GF Score
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