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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.
SBI Aruhi's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 0.52%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for SBI Aruhi's 3-Year ROIIC % or its related term are showing as below:
TSE:7198's 3-Year ROIIC % is ranked worse than 63.04% of 46
companies
in the Banks industry
Industry Median: 2.37
vs TSE:7198: 0.52
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.
SBI Aruhi 3-Year ROIIC % Related Terms
SBI Aruhi 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for SBI Aruhi'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.
TSE:7198 vs RKT, FNMA, PFSI: 3-Year ROIIC % Comparison
For the Mortgage Finance subindustry, SBI Aruhi'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.
SBI Aruhi 3-Year ROIIC % vs Banks Industry
For the Banks industry and Financial Services sector, SBI Aruhi's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where SBI Aruhi's 3-Year ROIIC % falls into.
SBI Aruhi's 3-Year ROIIC % for the quarter that ended in Mar. 2026 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 5692.6584 (Mar. 2026) - 5313.344 (Mar. 2023) )
/
( 204651 (Mar. 2026) - 131440 (Mar. 2023) )
=
379.3144
/
73211
=
0.52%***
* 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.
SBI Aruhi (TSE:7198) has a 3-Year ROIIC % of 0.52 as of Mar. 2026. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on SBI Aruhi and its competitors. According to the industry distribution chart, SBI Aruhi ranks #29 out of 46 companies in the Banks industry, placing it in the top 63%.
Is SBI Aruhi's 3-Year ROIIC % too high?
SBI Aruhi's current 3-Year ROIIC % is 0.52. The Banks industry median 3-Year ROIIC % is 2.37. SBI Aruhi's value of 0.52 is 78.1% below this industry median. Based on the distribution chart, SBI Aruhi ranks #29 out of 46 companies in the Banks industry, which is below the industry midpoint. Overall, SBI Aruhi has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SBI Aruhi's 3-Year ROIIC % compare to RKT and FNMA?
According to the Banks industry distribution chart, SBI Aruhi ranks #29 out of 46 companies for 3-Year ROIIC %. This places SBI Aruhi in the lower half of its industry. The industry median 3-Year ROIIC % is 2.37. SBI Aruhi's value of 0.52 is 78.1% below this benchmark. 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 Banks company?
The median 3-Year ROIIC % among Banks companies is 2.37, based on 46 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. SBI Aruhi's current 3-Year ROIIC % of 0.52 is 78.1% 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 SBI Aruhi and its competitors. For the Banks industry, the median 3-Year ROIIC % is 2.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Aruhi's current 3-Year ROIIC % is 0.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBI Aruhi stock overvalued right now?
Based on GuruFocus' analysis, SBI Aruhi (TSE:7198) is currently considered Fairly Valued. The stock's GF Value™ is 円900.47, compared to a current price of 円815.00 — trading 9.5% below its estimated fair value. The current 3-Year ROIIC % is 0.52 and 78.1% below the Banks industry median of 2.37. SBI Aruhi's overall GF Score™ is 66/100 with 9 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 SBI Aruhi (TSE:7198), the current 3-Year ROIIC % is 0.52 as of Mar. 2026. 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 SBI Aruhi (TSE:7198) Overvalued in 2026?
Based on GuruFocus' analysis, SBI Aruhi stock appears to be undervalued.
The current stock price of 円815.00 is trading 9.5% below its estimated GF Value™ of 円900.47.
GuruFocus considers SBI Aruhi to be Fairly Valued.
Key valuation signals for TSE:7198:
3-Year ROIIC %: 0.52
GF Value™: 円900.47 vs. price of 円815.00 (9.5% below fair value)
Industry Position: 78.1% below the Banks median (#29 of 46)
No single metric tells the full story. See the TSE:7198 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SBI Aruhi Corp is a Japan-based mortgage specialist financial institution. The company provides insurance brokerage, mortgage lending, bank agency and other services.
66GF Score
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