Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
OUTsurance GroupJSE:OUT -4.17%86 3-Year Book Growth Rate is 6.90% as of Dec. 2025, which is 11% below its 10-year median of 7.75. GuruFocus rates JSE:OUT with a GF Score™ of 86/100 and a GF Value™ of R69.23 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 477 Insurance companies, OUTsurance Group ranks worse than 56.6% on this metric.
During the past 12 months, OUTsurance Group's average Book Value per Share Growth Rate was 0.90% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 6.90% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -12.80% per year.
During the past 10 years, the average Book Value per Share Growth Rate was -4.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of OUTsurance Group was 11.00% per year. The lowest was -21.70% per year. And the median was 7.75% per year.
OUTsurance Group (JSE:OUT) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
OUTsurance Group 3-Year Book Growth Rate Related Terms
JSE:OUT vs BRK.A, AIG, HIG: 3-Year Book Growth Rate Comparison
For the Insurance - Diversified subindustry, OUTsurance Group's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate 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.
OUTsurance Group 3-Year Book Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, OUTsurance Group's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where OUTsurance Group's 3-Year Book Growth Rate falls into.
OUTsurance Group 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 6.90% mean?
OUTsurance Group (JSE:OUT) has a 3-Year Book Growth Rate of 6.90% as of Dec. 2025. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for OUTsurance Group and its competitors. This is 11% below median its historical median of 7.75. According to the industry distribution chart, OUTsurance Group ranks #270 out of 477 companies in the Insurance industry, placing it in the top 56.6%.
Is OUTsurance Group's 3-Year Book Growth Rate too high?
OUTsurance Group's current 3-Year Book Growth Rate of 6.90% is 11% below median its 10-year median of 7.75. The Insurance industry median 3-Year Book Growth Rate is 8.30. OUTsurance Group's value of 6.90% is 16.9% below this industry median. Based on the distribution chart, OUTsurance Group ranks #270 out of 477 companies in the Insurance industry, which is below the industry midpoint. Overall, OUTsurance Group has a GF Score™ of 86/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OUTsurance Group's 3-Year Book Growth Rate compare to BRK.A and AIG?
According to the Insurance industry distribution chart, OUTsurance Group ranks #270 out of 477 companies for 3-Year Book Growth Rate. This places OUTsurance Group in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.30. OUTsurance Group's value of 6.90% is 16.9% below this benchmark. While the company's 10-year median is 7.75 vs. the industry median of 8.30, OUTsurance Group 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 Book Growth Rate for an Insurance company?
The median 3-Year Book Growth Rate among Insurance companies is 8.30, based on 477 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OUTsurance Group's current 3-Year Book Growth Rate of 6.90% is 16.9% 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 Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for OUTsurance Group and its competitors. For the Insurance industry, the median 3-Year Book Growth Rate is 8.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OUTsurance Group's current 3-Year Book Growth Rate is 6.90%, which is 11% below median its own 10-year median of 7.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OUTsurance Group stock overvalued right now?
Based on GuruFocus' analysis, OUTsurance Group (JSE:OUT) is currently considered Modestly Overvalued. The stock's GF Value™ is R69.23, compared to a current price of R83.15 — trading 20.1% above its estimated fair value. The current 3-Year Book Growth Rate is 6.90%, which is 11% below median its 10-year median of 7.75 and 16.9% below the Insurance industry median of 8.30. OUTsurance Group's overall GF Score™ is 86/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For OUTsurance Group (JSE:OUT), the current 3-Year Book Growth Rate is 6.90% 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 OUTsurance Group (JSE:OUT) Overvalued in 2026?
Based on GuruFocus' analysis, OUTsurance Group stock appears to be overvalued.
The current stock price of R83.15 is trading 20.1% above its estimated GF Value™ of R69.23.
GuruFocus considers OUTsurance Group to be Modestly Overvalued.
Key valuation signals for JSE:OUT:
3-Year Book Growth Rate: 6.90% (11% below median its 10-year median of 7.75)
GF Value™: R69.23 vs. price of R83.15 (20.1% above fair value)
Industry Position: 16.9% below the Insurance median (#270 of 477)
No single metric tells the full story. See the JSE:OUT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OUTsurance Group Ltd is an insurance group that specialises in Property and Casualty insurance. Its main segments include personal insurance, business insurance, compulsory third-party vehicle insurance, life insurance, and administration services. The company provides motor, home, business, life, funeral, and pet insurance products through its subsidiaries. The company's primary source of revenue is insurance premiums. The group's activities are focused on the South African, Australian and Irish markets.
86GF Score
Get the complete analysis for JSE:OUT
3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
JSE:OUT has been successfully added to your 
