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During the past 12 months, National Reinsurance of the Philippines's average Book Value per Share Growth Rate was 10.70% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 11.40% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 6.40% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 4.20% 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 National Reinsurance of the Philippines was 11.40% per year. The lowest was -6.10% per year. And the median was 1.50% per year.
National Reinsurance of the Philippines (PHS:NRCP) 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.
National Reinsurance of the Philippines 3-Year Book Growth Rate Related Terms
PHS:NRCP vs RGA, EG, RNR: 3-Year Book Growth Rate Comparison
For the Insurance - Reinsurance subindustry, National Reinsurance of the Philippines'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.
National Reinsurance of the Philippines 3-Year Book Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, National Reinsurance of the Philippines's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where National Reinsurance of the Philippines's 3-Year Book Growth Rate falls into.
National Reinsurance of the Philippines 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 11.40% mean?
National Reinsurance of the Philippines (PHS:NRCP) has a 3-Year Book Growth Rate of 11.40% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for National Reinsurance of the Philippines and its competitors. This is 660% above median its historical median of 1.50. According to the industry distribution chart, National Reinsurance of the Philippines ranks #184 out of 484 companies in the Insurance industry, placing it in the top 38%.
Is National Reinsurance of the Philippines' 3-Year Book Growth Rate too high?
National Reinsurance of the Philippines' current 3-Year Book Growth Rate of 11.40% is 660% above median its 10-year median of 1.50. The Insurance industry median 3-Year Book Growth Rate is 8.40. National Reinsurance of the Philippines' value of 11.40% is 35.7% above this industry median. Based on the distribution chart, National Reinsurance of the Philippines ranks #184 out of 484 companies in the Insurance industry, which is above the industry midpoint. Overall, National Reinsurance of the Philippines has a GF Score™ of 42/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Reinsurance of the Philippines' 3-Year Book Growth Rate compare to RGA and EG?
According to the Insurance industry distribution chart, National Reinsurance of the Philippines ranks #184 out of 484 companies for 3-Year Book Growth Rate. This puts National Reinsurance of the Philippines in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.40. National Reinsurance of the Philippines' value of 11.40% is 35.7% above this benchmark. While the company's 10-year median is 1.50 vs. the industry median of 8.40, National Reinsurance of the Philippines has consistently been above 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 8.40, based on 484 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. National Reinsurance of the Philippines's current 3-Year Book Growth Rate of 11.40% is 35.7% 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 National Reinsurance of the Philippines and its competitors. For the Insurance industry, the median 3-Year Book Growth Rate is 8.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Reinsurance of the Philippines's current 3-Year Book Growth Rate is 11.40%, which is 660% above median its own 10-year median of 1.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Reinsurance of the Philippines stock overvalued right now?
Based on GuruFocus' analysis, National Reinsurance of the Philippines (PHS:NRCP) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱0.62, compared to a current price of ₱0.96 — trading 54.8% above its estimated fair value. The current 3-Year Book Growth Rate is 11.40%, which is 660% above median its 10-year median of 1.50 and 35.7% above the Insurance industry median of 8.40. National Reinsurance of the Philippines' overall GF Score™ is 42/100 with 2 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 National Reinsurance of the Philippines (PHS:NRCP), the current 3-Year Book Growth Rate is 11.40% 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 National Reinsurance of the Philippines (PHS:NRCP) Overvalued in 2026?
Based on GuruFocus' analysis, National Reinsurance of the Philippines stock appears to be overvalued.
The current stock price of ₱0.96 is trading 54.8% above its estimated GF Value™ of ₱0.62.
GuruFocus considers National Reinsurance of the Philippines to be Significantly Overvalued.
Key valuation signals for PHS:NRCP:
3-Year Book Growth Rate: 11.40% (660% above median its 10-year median of 1.50)
GF Value™: ₱0.62 vs. price of ₱0.96 (54.8% above fair value)
Industry Position: 35.7% above the Insurance median (#184 of 484)
No single metric tells the full story. See the PHS:NRCP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Reinsurance Corp of the Philippines engages in the provision of reinsurance products and services. It operates through the following businesses: life and non-life. The Life Business includes proportional insurance for individual, ordinary, and group businesses, as well as non-proportional insurance for catastrophe, an excess of loss, and stop loss. Non-Life Business provides insurance on fire, aviation, marine and aviation, casualty, motor, and others.
42GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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