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China Reinsurance (Group)STU:C53 -4.20%46 3-Year ROIIC % is 11.59 as of Dec. 2025, which is 858% above its 10-year median of 1.21. GuruFocus rates STU:C53 with a GF Score™ of 46/100 and a GF Value™ of €0.08 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 336 Insurance companies, China Reinsurance (Group) ranks better than 66.67% 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.
China Reinsurance (Group)'s 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 11.59%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for China Reinsurance (Group)'s 3-Year ROIIC % or its related term are showing as below:
STU:C53's 3-Year ROIIC % is ranked better than 66.67% of 336
companies
in the Insurance industry
Industry Median: 5.16
vs STU:C53: 11.59
China Reinsurance (Group) (STU:C53) 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.
China Reinsurance (Group) 3-Year ROIIC % Related Terms
China Reinsurance (Group) 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.
STU:C53 vs RGA, EG, RNR: 3-Year ROIIC % Comparison
For the Insurance - Reinsurance subindustry, China Reinsurance (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.
China Reinsurance (Group) 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, China Reinsurance (Group)'s 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where China Reinsurance (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.
China Reinsurance (Group) (STU:C53) has a 3-Year ROIIC % of 11.59 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 China Reinsurance (Group) and its competitors. This is 858% above median its historical median of 1.21. According to the industry distribution chart, China Reinsurance (Group) ranks #112 out of 336 companies in the Insurance industry, placing it in the top 33.3%.
Is China Reinsurance (Group)'s 3-Year ROIIC % too high?
China Reinsurance (Group)'s current 3-Year ROIIC % of 11.59 is 858% above median its 10-year median of 1.21. The Insurance industry median 3-Year ROIIC % is 5.16. China Reinsurance (Group)'s value of 11.59 is 124.6% above this industry median. Based on the distribution chart, China Reinsurance (Group) ranks #112 out of 336 companies in the Insurance industry, which is above the industry midpoint. Overall, China Reinsurance (Group) has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does China Reinsurance (Group)'s 3-Year ROIIC % compare to RGA and EG?
According to the Insurance industry distribution chart, China Reinsurance (Group) ranks #112 out of 336 companies for 3-Year ROIIC %. This puts China Reinsurance (Group) in the upper half of its industry. The industry median 3-Year ROIIC % is 5.16. China Reinsurance (Group)'s value of 11.59 is 124.6% above this benchmark. While the company's 10-year median is 1.21 vs. the industry median of 5.16, China Reinsurance (Group) 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 5.16, based on 336 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. China Reinsurance (Group)'s current 3-Year ROIIC % of 11.59 is 124.6% 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 China Reinsurance (Group) and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Reinsurance (Group)'s current 3-Year ROIIC % is 11.59, which is 858% above median its own 10-year median of 1.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Reinsurance (Group) stock overvalued right now?
Based on GuruFocus' analysis, China Reinsurance (Group) (STU:C53) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.08, compared to a current price of €0.14 — trading 79.8% above its estimated fair value. The current 3-Year ROIIC % is 11.59, which is 858% above median its 10-year median of 1.21 and 124.6% above the Insurance industry median of 5.16. China Reinsurance (Group)'s overall GF Score™ is 46/100 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 China Reinsurance (Group) (STU:C53), the current 3-Year ROIIC % is 11.59 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 China Reinsurance (Group) (STU:C53) Overvalued in 2026?
Based on GuruFocus' analysis, China Reinsurance (Group) stock appears to be overvalued.
The current stock price of €0.14 is trading 79.8% above its estimated GF Value™ of €0.08.
GuruFocus considers China Reinsurance (Group) to be Significantly Overvalued.
Key valuation signals for STU:C53:
3-Year ROIIC %: 11.59 (858% above median its 10-year median of 1.21)
GF Value™: €0.08 vs. price of €0.14 (79.8% above fair value)
Industry Position: 124.6% above the Insurance median (#112 of 336)
No single metric tells the full story. See the STU:C53 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Reinsurance (Group) Corp is mainly engaged in property and casualty reinsurance, life and health reinsurance, primary property and casualty insurance, asset management and other businesses. Its operating and reportable segments are Property and casualty reinsurance segment offers a wide variety of reinsurance products; Life and health reinsurance segment offers a wide range of reinsurance products; Primary property and casualty insurance segment offers a wide variety of insurance products and other businesses including motor, property and liability insurance; Asset management segment offers asset management services; and Other segments of which majority of revenue comes from Primary property and casualty insurance.
46GF Score
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