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.
Ping An Insurance (Group) Co. of China's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 0.78%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
STU:PZX's 3-Year ROIIC % is ranked worse than 70.96% of 334
companies
in the Insurance industry
Industry Median: 5.16
vs STU:PZX: 0.78
Ping An Insurance (Group) Co. of China (STU:PZX) 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.
Ping An Insurance (Group) Co. of China 3-Year ROIIC % Related Terms
Ping An Insurance (Group) Co. of China 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.
Ping An Insurance (Group) Co. of China 3-Year ROIIC % Chart
Ping An Insurance (Group) Co. of China Annual Data
STU:PZX vs AFL, MET, PRU: 3-Year ROIIC % Comparison
For the Insurance - Life subindustry, Ping An Insurance (Group) Co. of China'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.
Ping An Insurance (Group) Co. of China 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Ping An Insurance (Group) Co. of China's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Ping An Insurance (Group) Co. of China'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.
Ping An Insurance (Group) Co. of China (STU:PZX) has a 3-Year ROIIC % of 0.78 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 Ping An Insurance (Group) Co. of China and its competitors. This is 44% above median its historical median of 0.54. According to the industry distribution chart, Ping An Insurance (Group) Co. of China ranks #237 out of 334 companies in the Insurance industry, placing it in the top 71%.
Is Ping An Insurance (Group) Co. of China's 3-Year ROIIC % too high?
Ping An Insurance (Group) Co. of China's current 3-Year ROIIC % of 0.78 is 44% above median its 10-year median of 0.54. The Insurance industry median 3-Year ROIIC % is 5.16. Ping An Insurance (Group) Co. of China's value of 0.78 is 84.9% below this industry median. Based on the distribution chart, Ping An Insurance (Group) Co. of China ranks #237 out of 334 companies in the Insurance industry, which is below the industry midpoint. Overall, Ping An Insurance (Group) Co. of China has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ping An Insurance (Group) Co. of China's 3-Year ROIIC % compare to AFL and MET?
According to the Insurance industry distribution chart, Ping An Insurance (Group) Co. of China ranks #237 out of 334 companies for 3-Year ROIIC %. This places Ping An Insurance (Group) Co. of China in the lower half of its industry. The industry median 3-Year ROIIC % is 5.16. Ping An Insurance (Group) Co. of China's value of 0.78 is 84.9% below this benchmark. While the company's 10-year median is 0.54 vs. the industry median of 5.16, Ping An Insurance (Group) Co. of China 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 an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.16, based on 334 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. Ping An Insurance (Group) Co. of China's current 3-Year ROIIC % of 0.78 is 84.9% 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 Ping An Insurance (Group) Co. of China 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. Ping An Insurance (Group) Co. of China's current 3-Year ROIIC % is 0.78, which is 44% above median its own 10-year median of 0.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ping An Insurance (Group) Co. of China stock overvalued right now?
Based on GuruFocus' analysis, Ping An Insurance (Group) Co. of China (STU:PZX) is currently considered Fairly Valued. The stock's GF Value™ is €5.38, compared to a current price of €5.93 — trading 10.2% above its estimated fair value. The current 3-Year ROIIC % is 0.78, which is 44% above median its 10-year median of 0.54 and 84.9% below the Insurance industry median of 5.16. Ping An Insurance (Group) Co. of China's overall GF Score™ is 67/100 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 Ping An Insurance (Group) Co. of China (STU:PZX), the current 3-Year ROIIC % is 0.78 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 Ping An Insurance (Group) Co. of China (STU:PZX) Overvalued in 2026?
Based on GuruFocus' analysis, Ping An Insurance (Group) Co. of China stock appears to be overvalued.
The current stock price of €5.93 is trading 10.2% above its estimated GF Value™ of €5.38.
GuruFocus considers Ping An Insurance (Group) Co. of China to be Fairly Valued.
Key valuation signals for STU:PZX:
3-Year ROIIC %: 0.78 (44% above median its 10-year median of 0.54)
GF Value™: €5.38 vs. price of €5.93 (10.2% above fair value)
Industry Position: 84.9% below the Insurance median (#237 of 334)
No single metric tells the full story. See the STU:PZX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ping An Insurance (Group) Co. of China Business Description
Ping An Insurance was founded in 1988 and headquartered in Shenzhen. As an integrated financial service provider, the company offers healthcare services and integrated financial products. Ping An is China's second-largest life and P&C insurer. The company strives for an integrated financial services platform comprising life insurance, P&C insurance, banking, and other financial services. These business segments contributed 66%, 10%, 28%, and 1% of the company's pretax profits, respectively, in 2025.
67GF Score
Get the complete analysis for STU:PZX
3-Year ROIIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STU:PZX has been successfully added to your 
