RFA FinancialRFAFF 31 5-Year ROIIC % is 9.10 as of Dec. 2025. GuruFocus rates RFAFF with a GF Score™ of 31/100 and a GF Value™ of $11.79 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 636 REITs companies, RFA Financial ranks better than 75.47% on this metric.
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.
RFA Financial's 5-Year ROIIC % for the quarter that ended in Dec. 2025 was 9.10%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for RFA Financial's 5-Year ROIIC % or its related term are showing as below:
RFAFF's 5-Year ROIIC % is ranked better than 75.47% of 636
companies
in the REITs industry
Industry Median: 4.07
vs RFAFF: 9.10
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.
RFA Financial 5-Year ROIIC % Related Terms
RFA Financial 5-Year ROIIC % Historical Data
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The historical data trend for RFA Financial'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.
RFAFF vs VICI, WPC, BNL: 5-Year ROIIC % Comparison
For the REIT - Diversified subindustry, RFA Financial'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.
RFA Financial 5-Year ROIIC % vs REITs Industry
For the REITs industry and Real Estate sector, RFA Financial's 5-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where RFA Financial's 5-Year ROIIC % falls into.
RFA Financial'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**
=
( -21.619 (Dec. 2025) - 194.0921345 (Dec. 2020) )
/
( 1764.464 (Dec. 2025) - 4288.002 (Dec. 2020) )
=
-215.7111345
/
-2523.538
=
8.55%***
* 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.
RFA Financial (RFAFF) has a 5-Year ROIIC % of 9.10 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 RFA Financial and its competitors. According to the industry distribution chart, RFA Financial ranks #156 out of 636 companies in the REITs industry, placing it in the top 24.5%.
Is RFA Financial's 5-Year ROIIC % too high?
RFA Financial's current 5-Year ROIIC % is 9.10. The REITs industry median 5-Year ROIIC % is 4.07. RFA Financial's value of 9.10 is 123.6% above this industry median. Based on the distribution chart, RFA Financial ranks #156 out of 636 companies in the REITs industry, which is in the top quartile — a strong position relative to peers. Overall, RFA Financial has a GF Score™ of 31/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does RFA Financial's 5-Year ROIIC % compare to VICI and WPC?
According to the REITs industry distribution chart, RFA Financial ranks #156 out of 636 companies for 5-Year ROIIC %. This places RFA Financial in the top 25% of its industry — outperforming the majority of peers. The industry median 5-Year ROIIC % is 4.07. RFA Financial's value of 9.10 is 123.6% 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 REITs company?
The median 5-Year ROIIC % among REITs companies is 4.07, based on 636 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. RFA Financial's current 5-Year ROIIC % of 9.10 is 123.6% 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 RFA Financial and its competitors. For the REITs industry, the median 5-Year ROIIC % is 4.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RFA Financial's current 5-Year ROIIC % is 9.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is RFA Financial stock overvalued right now?
Based on GuruFocus' analysis, RFA Financial (RFAFF) is currently considered Significantly Overvalued. The stock's GF Value™ is $11.79, compared to a current price of $18.43 — trading 56.3% above its estimated fair value. The current 5-Year ROIIC % is 9.10 and 123.6% above the REITs industry median of 4.07. RFA Financial's overall GF Score™ is 31/100 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 RFA Financial (RFAFF), the current 5-Year ROIIC % is 9.10 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 RFA Financial (RFAFF) Overvalued in 2026?
Based on GuruFocus' analysis, RFA Financial stock appears to be overvalued.
The current stock price of $18.43 is trading 56.3% above its estimated GF Value™ of $11.79.
GuruFocus considers RFA Financial to be Significantly Overvalued.
Key valuation signals for RFAFF:
5-Year ROIIC %: 9.10
GF Value™: $11.79 vs. price of $18.43 (56.3% above fair value)
Industry Position: 123.6% above the REITs median (#156 of 636)
No single metric tells the full story. See the RFAFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
RFA Financial Inc is a scaled and dynamic financial service platform positioned as an intersection of banking, mortgage, origination, and real estate. It aims to deliver long-term value through an integrated approach to banking and mortgage lending, with a focus on competitive, consumer-focused financial products.
31GF Score
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