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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.
Clal Insurance Enterprises Holdings's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 6.45%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
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.
Clal Insurance Enterprises Holdings 3-Year ROIIC % Related Terms
Clal Insurance Enterprises Holdings 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.
XTAE:CLIS vs MET, AFL, PRU: 3-Year ROIIC % Comparison
For the Insurance - Life subindustry, Clal Insurance Enterprises Holdings'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.
Clal Insurance Enterprises Holdings 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Clal Insurance Enterprises Holdings's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Clal Insurance Enterprises Holdings's 3-Year ROIIC % falls into.
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 2866.6984 (Dec. 2025) - 264.3465 (Dec. 2022) )
/
( 171208.95 (Dec. 2025) - 130887.3 (Dec. 2022) )
=
2602.3519
/
40321.65
=
6.45%***
* 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.
Clal Insurance Enterprises Holdings (XTAE:CLIS) has a 3-Year ROIIC % of 6.45 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 Clal Insurance Enterprises Holdings and its competitors. This is 1032% above median its historical median of 0.57. According to the industry distribution chart, Clal Insurance Enterprises Holdings ranks #149 out of 334 companies in the Insurance industry, placing it in the top 44.6%.
Is Clal Insurance Enterprises Holdings' 3-Year ROIIC % too high?
Clal Insurance Enterprises Holdings' current 3-Year ROIIC % of 6.45 is 1032% above median its 10-year median of 0.57. The Insurance industry median 3-Year ROIIC % is 5.02. Clal Insurance Enterprises Holdings' value of 6.45 is 28.5% above this industry median. Based on the distribution chart, Clal Insurance Enterprises Holdings ranks #149 out of 334 companies in the Insurance industry, which is above the industry midpoint. Overall, Clal Insurance Enterprises Holdings has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Clal Insurance Enterprises Holdings' 3-Year ROIIC % compare to MET and AFL?
According to the Insurance industry distribution chart, Clal Insurance Enterprises Holdings ranks #149 out of 334 companies for 3-Year ROIIC %. This puts Clal Insurance Enterprises Holdings in the upper half of its industry. The industry median 3-Year ROIIC % is 5.02. Clal Insurance Enterprises Holdings' value of 6.45 is 28.5% above this benchmark. While the company's 10-year median is 0.57 vs. the industry median of 5.02, Clal Insurance Enterprises Holdings 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 5.02, 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. Clal Insurance Enterprises Holdings's current 3-Year ROIIC % of 6.45 is 28.5% 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 Clal Insurance Enterprises Holdings and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Clal Insurance Enterprises Holdings's current 3-Year ROIIC % is 6.45, which is 1032% above median its own 10-year median of 0.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Clal Insurance Enterprises Holdings stock overvalued right now?
Based on GuruFocus' analysis, Clal Insurance Enterprises Holdings (XTAE:CLIS) is currently considered Significantly Overvalued. The stock's GF Value™ is ₪124.36, compared to a current price of ₪262.00 — trading 110.7% above its estimated fair value. The current 3-Year ROIIC % is 6.45, which is 1032% above median its 10-year median of 0.57 and 28.5% above the Insurance industry median of 5.02. Clal Insurance Enterprises Holdings' overall GF Score™ is 73/100 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 Clal Insurance Enterprises Holdings (XTAE:CLIS), the current 3-Year ROIIC % is 6.45 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 Clal Insurance Enterprises Holdings (XTAE:CLIS) Overvalued in 2026?
Based on GuruFocus' analysis, Clal Insurance Enterprises Holdings stock appears to be overvalued.
The current stock price of ₪262.00 is trading 110.7% above its estimated GF Value™ of ₪124.36.
GuruFocus considers Clal Insurance Enterprises Holdings to be Significantly Overvalued.
Key valuation signals for XTAE:CLIS:
3-Year ROIIC %: 6.45 (1032% above median its 10-year median of 0.57)
GF Value™: ₪124.36 vs. price of ₪262.00 (110.7% above fair value)
Industry Position: 28.5% above the Insurance median (#149 of 334)
No single metric tells the full story. See the XTAE:CLIS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Clal Insurance Enterprises Holdings Ltd is an insurance company, part of IDB Group, a conglomerate from Israel. Its lines of business are Nonlife insurance, Health insurance, Pensions, and provident funds for private and corporate clients. Clal insurance divisions are nonlife insurance, long-term savings, and health. The nonlife insurance division offers automotive, property, personal accidents, guarantees, liability, and marine insurance, among others. The life insurance and long-term savings division manages long-term assets, such as life insurance, pensions, and funds. The health insurance division consists of health insurance products, such as local and overseas surgeries, transplants, medications, critical illness, long-term care, and accidents. The company's main market is Israel.
73GF Score
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