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Royal ExchangeNSA:ROYALEX -9.09%9 3-Year Book Growth Rate is 36.30% as of Dec. 2025. GuruFocus rates NSA:ROYALEX with a GF Score™ of 9/100. The stock has 5 warning signs investors should review. Among 476 Insurance companies, Royal Exchange ranks better than 94.33% on this metric.
During the past 12 months, Royal Exchange's average Book Value per Share Growth Rate was 15.20% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 36.30% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 15.90% per year.
During the past 10 years, the average Book Value per Share Growth Rate was -5.80% 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 Royal Exchange was 36.30% per year. The lowest was -28.40% per year. And the median was -13.10% per year.
Royal Exchange (NSA:ROYALEX) 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.
Royal Exchange 3-Year Book Growth Rate Related Terms
NSA:ROYALEX vs BRK.A, AIG, HIG: 3-Year Book Growth Rate Comparison
For the Insurance - Diversified subindustry, Royal Exchange'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.
Royal Exchange 3-Year Book Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Royal Exchange's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Royal Exchange's 3-Year Book Growth Rate falls into.
Royal Exchange 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 36.30% mean?
Royal Exchange (NSA:ROYALEX) has a 3-Year Book Growth Rate of 36.30% 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 Royal Exchange and its competitors. According to the industry distribution chart, Royal Exchange ranks #27 out of 476 companies in the Insurance industry, placing it in the top 5.7%.
Is Royal Exchange's 3-Year Book Growth Rate too high?
Royal Exchange's current 3-Year Book Growth Rate is 36.30%. The Insurance industry median 3-Year Book Growth Rate is 8.30. Royal Exchange's value of 36.30% is 337.3% above this industry median. Based on the distribution chart, Royal Exchange ranks #27 out of 476 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Royal Exchange has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does Royal Exchange's 3-Year Book Growth Rate compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Royal Exchange ranks #27 out of 476 companies for 3-Year Book Growth Rate. This places Royal Exchange in the top 6% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.30. Royal Exchange's value of 36.30% is 337.3% 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 3-Year Book Growth Rate for an Insurance company?
The median 3-Year Book Growth Rate among Insurance companies is 8.30, based on 476 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. Royal Exchange's current 3-Year Book Growth Rate of 36.30% is 337.3% 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 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 Royal Exchange 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. Royal Exchange's current 3-Year Book Growth Rate is 36.30%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Royal Exchange stock overvalued right now?
Royal Exchange (NSA:ROYALEX) has a current 3-Year Book Growth Rate of 36.30%. The current 3-Year Book Growth Rate is 36.30% and 337.3% above the Insurance industry median of 8.30. Royal Exchange's overall GF Score™ is 9/100 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 Royal Exchange (NSA:ROYALEX), the current 3-Year Book Growth Rate is 36.30% 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.
Royal Exchange PLC principal activities are general insurance, health insurance, and credit financing, with segments including Life Insurance, Healthcare, and Credit Financing.
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