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Pakistan Reinsurance CoKAR:PAKRI -0.96%73 ROE % is 12.98% as of Jun. 2026, which is 23% below its 10-year median of 16.92. GuruFocus rates KAR:PAKRI with a GF Score™ of 73/100 and a GF Value™ of ₨17.37 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 497 Insurance companies, Pakistan Reinsurance Co ranks better than 57.14% on this metric.
Pakistan Reinsurance Co (KAR:PAKRI) 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 four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) 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 - Reinsurance subindustry, Pakistan Reinsurance Co'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.
Pakistan Reinsurance Co ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Pakistan Reinsurance Co's ROE % distribution charts can be found below:
* The bar in red indicates where Pakistan Reinsurance Co'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 four times the quarterly (Jun. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Pakistan Reinsurance Co (KAR:PAKRI) has a ROE % of 12.98% as of Jun. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Pakistan Reinsurance Co and its competitors. This is 23% below median its historical median of 16.92. Over the past decade, Pakistan Reinsurance Co's ROE % has ranged from 10.12 to 22.22. According to the industry distribution chart, Pakistan Reinsurance Co ranks #213 out of 497 companies in the Insurance industry, placing it in the top 42.9%.
Is Pakistan Reinsurance Co's ROE % too high?
Pakistan Reinsurance Co's current ROE % of 12.98% is 23% below median its 10-year median of 16.92. Over the past 10 years, this metric has ranged from a low of 10.12 to a high of 22.22. The Insurance industry median ROE % is 12.22. Pakistan Reinsurance Co's value of 12.98% is 6.2% above this industry median. Based on the distribution chart, Pakistan Reinsurance Co ranks #213 out of 497 companies in the Insurance industry, which is above the industry midpoint. Overall, Pakistan Reinsurance Co has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Pakistan Reinsurance Co's ROE % compare to RGA and EG?
According to the Insurance industry distribution chart, Pakistan Reinsurance Co ranks #213 out of 497 companies for ROE %. This puts Pakistan Reinsurance Co in the upper half of its industry. The industry median ROE % is 12.22. Pakistan Reinsurance Co's value of 12.98% is 6.2% above this benchmark. Historically, Pakistan Reinsurance Co's own ROE % has ranged from 10.12 to 22.22 over the past decade. While the company's 10-year median is 16.92 vs. the industry median of 12.22, Pakistan Reinsurance Co 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 12.22, based on 497 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. Pakistan Reinsurance Co's current ROE % of 12.98% is 6.2% 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 Pakistan Reinsurance Co and its competitors. For the Insurance industry, the median ROE % is 12.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pakistan Reinsurance Co's current ROE % is 12.98%, which is 23% below median its own 10-year median of 16.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pakistan Reinsurance Co stock overvalued right now?
Based on GuruFocus' analysis, Pakistan Reinsurance Co (KAR:PAKRI) is currently considered Modestly Undervalued. The stock's GF Value™ is ₨17.37, compared to a current price of ₨15.42 — trading 11.2% below its estimated fair value. The current ROE % is 12.98%, which is 23% below median its 10-year median of 16.92 and 6.2% above the Insurance industry median of 12.22. Pakistan Reinsurance Co's overall GF Score™ is 73/100 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 Pakistan Reinsurance Co (KAR:PAKRI), the current ROE % is 12.98% as of Jun. 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 Pakistan Reinsurance Co (KAR:PAKRI) Overvalued in 2026?
Based on GuruFocus' analysis, Pakistan Reinsurance Co stock appears to be undervalued.
The current stock price of ₨15.42 is trading 11.2% below its estimated GF Value™ of ₨17.37.
GuruFocus considers Pakistan Reinsurance Co to be Modestly Undervalued.
Key valuation signals for KAR:PAKRI:
ROE %: 12.98% (23% below median its 10-year median of 16.92)
GF Value™: ₨17.37 vs. price of ₨15.42 (11.2% below fair value)
Industry Position: 6.2% above the Insurance median (#213 of 497)
No single metric tells the full story. See the KAR:PAKRI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pakistan Reinsurance Co Ltd is engaged inengaged in providing reinsurance and other insurance business being forum of risk transfer. The company operates through seven segments - fire, marine cargo, marine hull, accident and others, aviation, engineering and treaty.
73GF Score
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