5-Year Return on Invested Incremental Capital (5-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 5-year.
Plenti Group's 5-Year ROIIC % for the quarter that ended in Mar. 2026 was 6.08%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Plenti Group's 5-Year ROIIC % or its related term are showing as below:
ASX:PLT's 5-Year ROIIC % is ranked better than 66.58% of 368
companies
in the Credit Services industry
Industry Median: 2.745
vs ASX:PLT: 6.08
Plenti Group (ASX:PLT) 5-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.
Plenti Group 5-Year ROIIC % Related Terms
Plenti Group 5-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Plenti Group's 5-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 Credit Services subindustry, Plenti Group's 5-Year ROIIC %, along with its competitors' market caps and 5-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.
Plenti Group 5-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Plenti Group's 5-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Plenti Group's 5-Year ROIIC % falls into.
Plenti Group's 5-Year ROIIC % for the quarter that ended in Mar. 2026 is calculated as:
5-Year ROIIC %
=
5-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
5-Year Incremental Invested Capital**
=
( 135.6348453 (Mar. 2026) - -7.637 (Mar. 2021) )
/
( 2953.895 (Mar. 2026) - 596.641 (Mar. 2021) )
=
143.2718453
/
2357.254
=
6.08%***
* 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 5-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.
Plenti Group (ASX:PLT) has a 5-Year ROIIC % of 6.08 as of Mar. 2026. 5-Year ROIIC % measures the change in earnings as a percentage of change in investment over 5-year. View historical data on Plenti Group and its competitors. According to the industry distribution chart, Plenti Group ranks #123 out of 368 companies in the Credit Services industry, placing it in the top 33.4%.
Is Plenti Group's 5-Year ROIIC % too high?
Plenti Group's current 5-Year ROIIC % is 6.08. The Credit Services industry median 5-Year ROIIC % is 2.75. Plenti Group's value of 6.08 is 121.5% above this industry median. Based on the distribution chart, Plenti Group ranks #123 out of 368 companies in the Credit Services industry, which is above the industry midpoint. Overall, Plenti Group has a GF Score™ of 54/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Plenti Group's 5-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Plenti Group ranks #123 out of 368 companies for 5-Year ROIIC %. This puts Plenti Group in the upper half of its industry. The industry median 5-Year ROIIC % is 2.75. Plenti Group's value of 6.08 is 121.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year ROIIC % for a Credit Services company?
The median 5-Year ROIIC % among Credit Services companies is 2.75, based on 368 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Plenti Group's current 5-Year ROIIC % of 6.08 is 121.5% 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 5-Year ROIIC % mean?
A high 5-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 5-Year ROIIC % measures the change in earnings as a percentage of change in investment over 5-year. View historical data on Plenti Group and its competitors. For the Credit Services industry, the median 5-Year ROIIC % is 2.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Plenti Group's current 5-Year ROIIC % is 6.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Plenti Group stock overvalued right now?
Based on GuruFocus' analysis, Plenti Group (ASX:PLT) is currently considered Possible Value Trap. The stock's GF Value™ is A$1.09, compared to a current price of A$0.73 — trading 33% below its estimated fair value. The current 5-Year ROIIC % is 6.08 and 121.5% above the Credit Services industry median of 2.75. Plenti Group's overall GF Score™ is 54/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year ROIIC % calculated?
5-Year ROIIC % is calculated from a company's financial statements. For Plenti Group (ASX:PLT), the current 5-Year ROIIC % is 6.08 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 Plenti Group (ASX:PLT) Overvalued in 2026?
Based on GuruFocus' analysis, Plenti Group stock appears to be undervalued.
The current stock price of A$0.73 is trading 33% below its estimated GF Value™ of A$1.09.
GuruFocus considers Plenti Group to be Possible Value Trap.
Key valuation signals for ASX:PLT:
5-Year ROIIC %: 6.08
GF Value™: A$1.09 vs. price of A$0.73 (33% below fair value)
Industry Position: 121.5% above the Credit Services median (#123 of 368)
No single metric tells the full story. See the ASX:PLT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Plenti Group Ltd is a fintech lender to prime consumer and commercial borrowers. Its operations consist mainly of the provision of financial services in Australia. The company has single operating segment. The company offers offer award-winning automotive, renewable energy and personal loans, delivered by its proprietary technology, to help creditworthy borrowers bring their ideas to life. The company's loan types are Personal Loans, Debt Consolidation Loans, Renovation Loans, Car Loans, EV Loans, Holiday Loans, Medical Loans, Wedding Loans, Motorbike Loans, Moving Cost Loans, Boat Loans, Legal Fee Loans, Solar and Battery Loans, and Caravan Loans.
54GF Score
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