Sabre Insurance GroupFRA:18M +3.23%80 ROE % is 14.86% as of Dec. 2025, which is 0% above its 10-year median of 14.80. GuruFocus rates FRA:18M with a GF Score™ of 80/100 and a GF Value™ of €1.72 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 502 Insurance companies, Sabre Insurance Group ranks better than 63.75% on this metric.
The historical rank and industry rank for Sabre Insurance Group's ROE % or its related term are showing as below:
FRA:18M'
s ROE % Range Over the Past 10 Years
Min: 4.62 Med: 14.8 Max: 24.57
Current: 14.92
During the past 10 years, Sabre Insurance Group's highest ROE % was 24.57%. The lowest was 4.62%. And the median was 14.80%.
FRA:18M's ROE % is ranked better than 63.75% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs FRA:18M: 14.92
Sabre Insurance Group (FRA:18M) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 Insurance Brokers subindustry, Sabre Insurance Group's ROE %, along with its competitors' market caps and ROE % 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.
Sabre Insurance Group ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sabre Insurance Group's ROE % distribution charts can be found below:
* The bar in red indicates where Sabre Insurance Group's ROE % falls into.
* 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Sabre Insurance Group (FRA:18M) has a ROE % of 14.86% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Sabre Insurance Group and its competitors. This is near median its historical median of 14.80. Over the past decade, Sabre Insurance Group's ROE % has ranged from 4.62 to 24.57. According to the industry distribution chart, Sabre Insurance Group ranks #182 out of 502 companies in the Insurance industry, placing it in the top 36.3%.
Is Sabre Insurance Group's ROE % too high?
Sabre Insurance Group's current ROE % of 14.86% is near median its 10-year median of 14.80. Over the past 10 years, this metric has ranged from a low of 4.62 to a high of 24.57. The Insurance industry median ROE % is 11.73. Sabre Insurance Group's value of 14.86% is 26.7% above this industry median. Based on the distribution chart, Sabre Insurance Group ranks #182 out of 502 companies in the Insurance industry, which is above the industry midpoint. Overall, Sabre Insurance Group has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sabre Insurance Group's ROE % compare to MRSH and AON?
According to the Insurance industry distribution chart, Sabre Insurance Group ranks #182 out of 502 companies for ROE %. This puts Sabre Insurance Group in the upper half of its industry. The industry median ROE % is 11.73. Sabre Insurance Group's value of 14.86% is 26.7% above this benchmark. Historically, Sabre Insurance Group's own ROE % has ranged from 4.62 to 24.57 over the past decade. While the company's 10-year median is 14.80 vs. the industry median of 11.73, Sabre Insurance Group 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sabre Insurance Group's current ROE % of 14.86% is 26.7% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Sabre Insurance Group and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sabre Insurance Group's current ROE % is 14.86%, which is near median its own 10-year median of 14.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sabre Insurance Group stock overvalued right now?
Based on GuruFocus' analysis, Sabre Insurance Group (FRA:18M) is currently considered Modestly Overvalued. The stock's GF Value™ is €1.72, compared to a current price of €1.92 — trading 11.6% above its estimated fair value. The current ROE % is 14.86%, which is near median its 10-year median of 14.80 and 26.7% above the Insurance industry median of 11.73. Sabre Insurance Group's overall GF Score™ is 80/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Sabre Insurance Group (FRA:18M), the current ROE % is 14.86% 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 Sabre Insurance Group (FRA:18M) Overvalued in 2026?
Based on GuruFocus' analysis, Sabre Insurance Group stock appears to be overvalued.
The current stock price of €1.92 is trading 11.6% above its estimated GF Value™ of €1.72.
GuruFocus considers Sabre Insurance Group to be Modestly Overvalued.
Key valuation signals for FRA:18M:
ROE %: 14.86% (near median its 10-year median of 14.80)
GF Value™: €1.72 vs. price of €1.92 (11.6% above fair value)
Industry Position: 26.7% above the Insurance median (#182 of 502)
No single metric tells the full story. See the FRA:18M stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sabre Insurance Group PLC is a company operating in the insurance sector. The company is an insurer selling car insurance through brokers and directly. It offers car insurance under the Sabre name and also under the Go Girl, Insure 2 Drive, and Drive Smart brands. Its product offering includes car insurance, commercial vehicle insurance, taxi insurance, and others. The Group provides short-term motor insurance to clients, which comprises three lines of business, Motor Vehicle insurance, Motorcycle insurance and Taxi insurance, of which it derives maximum revenue from Motor Vehicle Insurance. Geographically, It only operates in United Kingdom.
80GF Score
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