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Doverie Obed HlXBUL:DUH +4.13%83 3-Year ROIIC % is 1.27 as of Dec. 2025, which is 44% below its 10-year median of 2.25. GuruFocus rates XBUL:DUH with a GF Score™ of 83/100 and a GF Value™ of €10.68 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 46 Banks companies, Doverie Obed Hl ranks worse than 56.52% 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.
Doverie Obed Hl's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 1.27%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Doverie Obed Hl's 3-Year ROIIC % or its related term are showing as below:
XBUL:DUH's 3-Year ROIIC % is ranked worse than 56.52% of 46
companies
in the Banks industry
Industry Median: 1.845
vs XBUL:DUH: 1.27
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.
Doverie Obed Hl 3-Year ROIIC % Related Terms
Doverie Obed Hl 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Doverie Obed Hl'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 Banks - Regional subindustry, Doverie Obed Hl'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.
Doverie Obed Hl 3-Year ROIIC % vs Banks Industry
For the Banks industry and Financial Services sector, Doverie Obed Hl's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Doverie Obed Hl'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.
Doverie Obed Hl (XBUL:DUH) has a 3-Year ROIIC % of 1.27 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 Doverie Obed Hl and its competitors. This is 44% below median its historical median of 2.25. According to the industry distribution chart, Doverie Obed Hl ranks #26 out of 46 companies in the Banks industry, placing it in the top 56.5%.
Is Doverie Obed Hl's 3-Year ROIIC % too high?
Doverie Obed Hl's current 3-Year ROIIC % of 1.27 is 44% below median its 10-year median of 2.25. The Banks industry median 3-Year ROIIC % is 1.85. Doverie Obed Hl's value of 1.27 is 31.2% below this industry median. Based on the distribution chart, Doverie Obed Hl ranks #26 out of 46 companies in the Banks industry, which is below the industry midpoint. Overall, Doverie Obed Hl has a GF Score™ of 83/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Doverie Obed Hl's 3-Year ROIIC % compare to USB and PNC?
According to the Banks industry distribution chart, Doverie Obed Hl ranks #26 out of 46 companies for 3-Year ROIIC %. This places Doverie Obed Hl in the lower half of its industry. The industry median 3-Year ROIIC % is 1.85. Doverie Obed Hl's value of 1.27 is 31.2% below this benchmark. While the company's 10-year median is 2.25 vs. the industry median of 1.85, Doverie Obed Hl 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 a Banks company?
The median 3-Year ROIIC % among Banks companies is 1.85, 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. Doverie Obed Hl's current 3-Year ROIIC % of 1.27 is 31.2% 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 Doverie Obed Hl and its competitors. For the Banks industry, the median 3-Year ROIIC % is 1.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Doverie Obed Hl's current 3-Year ROIIC % is 1.27, which is 44% below median its own 10-year median of 2.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Doverie Obed Hl stock overvalued right now?
Based on GuruFocus' analysis, Doverie Obed Hl (XBUL:DUH) is currently considered Possible Value Trap. The stock's GF Value™ is €10.68, compared to a current price of €7.06 — trading 33.9% below its estimated fair value. The current 3-Year ROIIC % is 1.27, which is 44% below median its 10-year median of 2.25 and 31.2% below the Banks industry median of 1.85. Doverie Obed Hl's overall GF Score™ is 83/100 with 4 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 Doverie Obed Hl (XBUL:DUH), the current 3-Year ROIIC % is 1.27 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 Doverie Obed Hl (XBUL:DUH) Overvalued in 2026?
Based on GuruFocus' analysis, Doverie Obed Hl stock appears to be undervalued.
The current stock price of €7.06 is trading 33.9% below its estimated GF Value™ of €10.68.
GuruFocus considers Doverie Obed Hl to be Possible Value Trap.
Key valuation signals for XBUL:DUH:
3-Year ROIIC %: 1.27 (44% below median its 10-year median of 2.25)
GF Value™: €10.68 vs. price of €7.06 (33.9% below fair value)
Industry Position: 31.2% below the Banks median (#26 of 46)
No single metric tells the full story. See the XBUL:DUH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Doverie Obed Hl is a holding company that unites companies which carry out their activities in the field of commercial banking, health care, wine making, residential building, household chemicals, purchase/sale of DIY goods, renting out real estate and movable property, and others. The company has the following operating segments Banking sector, Insurance sector, Trade in 'do it yourself' goods, Non-financial enterprises performing financial services, Medical services, Detergents & household chemicals, and Others The majority of revenue is from the Banking sector.
83GF Score
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