OUTsurance GroupJSE:OUT +0.35%65 ROE % is 33.05% as of Dec. 2025, which is 82% above its 10-year median of 18.15. GuruFocus rates JSE:OUT with a GF Score™ of 65/100 and a GF Value™ of R46.59 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 502 Insurance companies, OUTsurance Group ranks better than 93.82% on this metric.
The historical rank and industry rank for OUTsurance Group's ROE % or its related term are showing as below:
JSE:OUT'
s ROE % Range Over the Past 10 Years
Min: 6.32 Med: 18.15 Max: 114.73
Current: 36.01
During the past 13 years, OUTsurance Group's highest ROE % was 114.73%. The lowest was 6.32%. And the median was 18.15%.
JSE:OUT's ROE % is ranked better than 93.82% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs JSE:OUT: 36.01
OUTsurance Group (JSE:OUT) 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.
OUTsurance Group ROE % Related Terms
OUTsurance Group ROE % Historical Data
* Premium members only.
The historical data trend for OUTsurance Group's ROE % 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.
For the Insurance - Diversified subindustry, OUTsurance 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.
OUTsurance Group ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, OUTsurance Group's ROE % distribution charts can be found below:
* The bar in red indicates where OUTsurance 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.
OUTsurance Group (JSE:OUT) has a ROE % of 33.05% 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 OUTsurance Group and its competitors. This is 82% above median its historical median of 18.15. Over the past decade, OUTsurance Group's ROE % has ranged from 6.32 to 114.73. According to the industry distribution chart, OUTsurance Group ranks #31 out of 502 companies in the Insurance industry, placing it in the top 6.2%.
Is OUTsurance Group's ROE % too high?
OUTsurance Group's current ROE % of 33.05% is 82% above median its 10-year median of 18.15. Over the past 10 years, this metric has ranged from a low of 6.32 to a high of 114.73. The Insurance industry median ROE % is 11.73. OUTsurance Group's value of 33.05% is 181.8% above this industry median. Based on the distribution chart, OUTsurance Group ranks #31 out of 502 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, OUTsurance Group has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OUTsurance Group's ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, OUTsurance Group ranks #31 out of 502 companies for ROE %. This places OUTsurance Group in the top 6% of its industry — outperforming the majority of peers. The industry median ROE % is 11.73. OUTsurance Group's value of 33.05% is 181.8% above this benchmark. Historically, OUTsurance Group's own ROE % has ranged from 6.32 to 114.73 over the past decade. While the company's 10-year median is 18.15 vs. the industry median of 11.73, OUTsurance 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. OUTsurance Group's current ROE % of 33.05% is 181.8% 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 OUTsurance 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. OUTsurance Group's current ROE % is 33.05%, which is 82% above median its own 10-year median of 18.15. 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 Significantly Overvalued. The stock's GF Value™ is R46.59, compared to a current price of R77.34 — trading 66% above its estimated fair value. The current ROE % is 33.05%, which is 82% above median its 10-year median of 18.15 and 181.8% above the Insurance industry median of 11.73. OUTsurance Group's overall GF Score™ is 65/100 with 3 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 OUTsurance Group (JSE:OUT), the current ROE % is 33.05% 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 R77.34 is trading 66% above its estimated GF Value™ of R46.59.
GuruFocus considers OUTsurance Group to be Significantly Overvalued.
Key valuation signals for JSE:OUT:
ROE %: 33.05% (82% above median its 10-year median of 18.15)
GF Value™: R46.59 vs. price of R77.34 (66% above fair value)
Industry Position: 181.8% above the Insurance median (#31 of 502)
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.
65GF Score
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