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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.
Propel Holdings does not have enough data to calculate 5-Year ROIIC %.
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.
Propel Holdings 5-Year ROIIC % Related Terms
Propel Holdings 5-Year ROIIC % Historical Data
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The historical data trend for Propel Holdings'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, Propel Holdings'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.
Propel Holdings 5-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Propel Holdings's 5-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Propel Holdings's 5-Year ROIIC % falls into.
Propel Holdings's 5-Year ROIIC % for the quarter that ended in Dec. 2025 is calculated as:
5-Year ROIIC %
=
5-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
5-Year Incremental Invested Capital**
=
( (Dec. 2025) - (Dec. 2020) )
/
( (Dec. 2025) - (Dec. 2020) )
=
/
=
N/A%***
* 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.
Propel Holdings (FRA:8KO) has a 5-Year ROIIC % of 0.00 as of Dec. 2025. 5-Year ROIIC % measures the change in earnings as a percentage of change in investment over 5-year. View historical data on Propel Holdings and its competitors. According to the industry distribution chart, Propel Holdings ranks #999999 out of 378 companies in the Credit Services industry.
Is Propel Holdings' 5-Year ROIIC % too high?
Propel Holdings' current 5-Year ROIIC % is 0.00. Based on the distribution chart, Propel Holdings ranks #999999 out of 378 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Propel Holdings has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Propel Holdings' 5-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Propel Holdings ranks #999999 out of 378 companies for 5-Year ROIIC %. This places Propel Holdings in the lower half of its industry. The industry median 5-Year ROIIC % is 3.17. 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 3.17, based on 378 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. 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 Propel Holdings and its competitors. For the Credit Services industry, the median 5-Year ROIIC % is 3.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Propel Holdings's current 5-Year ROIIC % is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Propel Holdings stock overvalued right now?
Based on GuruFocus' analysis, Propel Holdings (FRA:8KO) is currently considered Modestly Undervalued. The stock's GF Value™ is €19.77, compared to a current price of €15.90 — trading 19.6% below its estimated fair value. The current 5-Year ROIIC % is 0.00. Propel Holdings' overall GF Score™ is 74/100 with 7 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 Propel Holdings (FRA:8KO), the current 5-Year ROIIC % is 0.00 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 Propel Holdings (FRA:8KO) Overvalued in 2026?
Based on GuruFocus' analysis, Propel Holdings stock appears to be undervalued.
The current stock price of €15.90 is trading 19.6% below its estimated GF Value™ of €19.77.
GuruFocus considers Propel Holdings to be Modestly Undervalued.
Key valuation signals for FRA:8KO:
5-Year ROIIC %: 0.00
GF Value™: €19.77 vs. price of €15.90 (19.6% below fair value)
No single metric tells the full story. See the FRA:8KO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Propel Holdings Inc. is a financial technology company that provides online consumer credit to underserved borrowers in the United States, Canada, and the United Kingdom. It operates through consumer-facing brands including MoneyKey, CreditFresh, Fora Credit, and QuidMarket, offering installment loans, lines of credit, and related credit products. The company's proprietary online lending platform handles loan origination, underwriting, servicing, and customer management, allowing borrowers to apply for and manage credit digitally. Propel serves customers who may have limited access to traditional bank lending, and it generates revenue primarily through interest and fees on loans it originates and holds, as well as through its credit-as-a-service offerings that support third-party lending partners. The company is headquartered in Toronto, Ontario, Canada, and its shares trade on the Toronto Stock Exchange.
74GF Score
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