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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.
Krajina osiguranje a.d's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 2.56%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Krajina osiguranje a.d's 3-Year ROIIC % or its related term are showing as below:
XBLB:KROS-R-A's 3-Year ROIIC % is not ranked
in the Insurance industry.
Industry Median: 5.2
vs XBLB:KROS-R-A: 2.56
Krajina osiguranje a.d (XBLB:KROS-R-A) 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.
Krajina osiguranje a.d 3-Year ROIIC % Related Terms
Krajina osiguranje a.d 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Krajina osiguranje a.d'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.
Krajina osiguranje a.d 3-Year ROIIC % Competitor Comparison
For the Insurance - Diversified subindustry, Krajina osiguranje a.d'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.
Krajina osiguranje a.d 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Krajina osiguranje a.d's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Krajina osiguranje a.d's 3-Year ROIIC % falls into.
Krajina osiguranje a.d's 3-Year ROIIC % for the quarter that ended in Dec. 2025 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 0.582 (Dec. 2025) - 0.338 (Dec. 2022) )
/
( 26.65135 (Dec. 2025) - 17.1214 (Dec. 2022) )
=
0.244
/
9.52995
=
2.56%***
* 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.
Krajina osiguranje a.d (XBLB:KROS-R-A) has a 3-Year ROIIC % of 2.56 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 Krajina osiguranje a.d and its competitors. This is 87% below median its historical median of 19.32.
Is Krajina osiguranje a.d's 3-Year ROIIC % too high?
Krajina osiguranje a.d's current 3-Year ROIIC % of 2.56 is 87% below median its 10-year median of 19.32. The Insurance industry median 3-Year ROIIC % is 5.20. Krajina osiguranje a.d's value of 2.56 is 50.8% below this industry median. Overall, Krajina osiguranje a.d has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does Krajina osiguranje a.d's 3-Year ROIIC % compare to competitors?
Krajina osiguranje a.d's 3-Year ROIIC % of 2.56 can be compared against companies in the Insurance industry. The industry median 3-Year ROIIC % is 5.20. Krajina osiguranje a.d's value of 2.56 is 50.8% below this benchmark. While the company's 10-year median is 19.32 vs. the industry median of 5.20, Krajina osiguranje a.d 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 5.20, based on 333 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. Krajina osiguranje a.d's current 3-Year ROIIC % of 2.56 is 50.8% 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 Krajina osiguranje a.d and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Krajina osiguranje a.d's current 3-Year ROIIC % is 2.56, which is 87% below median its own 10-year median of 19.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Krajina osiguranje a.d stock overvalued right now?
Krajina osiguranje a.d (XBLB:KROS-R-A) has a current 3-Year ROIIC % of 2.56. The stock's GF Value™ is BAM0.44, compared to a current price of BAM0.41 — trading 5.9% below its estimated fair value. The current 3-Year ROIIC % is 2.56, which is 87% below median its 10-year median of 19.32 and 50.8% below the Insurance industry median of 5.20. Krajina osiguranje a.d's overall GF Score™ is 24/100 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 Krajina osiguranje a.d (XBLB:KROS-R-A), the current 3-Year ROIIC % is 2.56 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 Krajina osiguranje a.d (XBLB:KROS-R-A) Overvalued in 2026?
Based on GuruFocus' analysis, Krajina osiguranje a.d stock appears to be undervalued.
The current stock price of BAM0.41 is trading 5.9% below its estimated GF Value™ of BAM0.44.
Key valuation signals for XBLB:KROS-R-A:
3-Year ROIIC %: 2.56 (87% below median its 10-year median of 19.32)
GF Value™: BAM0.44 vs. price of BAM0.41 (5.9% below fair value)
Industry Position: 50.8% below the Insurance median
No single metric tells the full story. See the XBLB:KROS-R-A stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Krajina osiguranje a.d operates as an insurance company in Bosnia and Herzegovina. The company offers different types of insurance, such as property insurance, traffic, and face insurance.
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