Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
MNRB Holdings BhdXKLS:6459 +0.73%77 ROE % is 11.88% as of Mar. 2026, which is 68% above its 10-year median of 7.07. GuruFocus rates XKLS:6459 with a GF Score™ of 77/100 and a GF Value™ of RM2.42 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 502 Insurance companies, MNRB Holdings Bhd ranks better than 62.75% on this metric.
The historical rank and industry rank for MNRB Holdings Bhd's ROE % or its related term are showing as below:
XKLS:6459'
s ROE % Range Over the Past 10 Years
Min: 4.54 Med: 7.07 Max: 14.9
Current: 14.81
During the past 13 years, MNRB Holdings Bhd's highest ROE % was 14.90%. The lowest was 4.54%. And the median was 7.07%.
XKLS:6459's ROE % is ranked better than 62.75% of 502
companies
in the Insurance industry
Industry Median: 11.65
vs XKLS:6459: 14.81
MNRB Holdings Bhd (XKLS:6459) 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 (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 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.
MNRB Holdings Bhd ROE % Related Terms
MNRB Holdings Bhd ROE % Historical Data
* Premium members only.
The historical data trend for MNRB Holdings Bhd'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 - Reinsurance subindustry, MNRB Holdings Bhd'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.
MNRB Holdings Bhd ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, MNRB Holdings Bhd's ROE % distribution charts can be found below:
* The bar in red indicates where MNRB Holdings Bhd'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 (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
MNRB Holdings Bhd (XKLS:6459) has a ROE % of 11.88% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on MNRB Holdings Bhd and its competitors. This is 68% above median its historical median of 7.07. Over the past decade, MNRB Holdings Bhd's ROE % has ranged from 4.54 to 14.90. According to the industry distribution chart, MNRB Holdings Bhd ranks #187 out of 502 companies in the Insurance industry, placing it in the top 37.3%.
Is MNRB Holdings Bhd's ROE % too high?
MNRB Holdings Bhd's current ROE % of 11.88% is 68% above median its 10-year median of 7.07. Over the past 10 years, this metric has ranged from a low of 4.54 to a high of 14.90. The Insurance industry median ROE % is 11.65. MNRB Holdings Bhd's value of 11.88% is 2% above this industry median. Based on the distribution chart, MNRB Holdings Bhd ranks #187 out of 502 companies in the Insurance industry, which is above the industry midpoint. Overall, MNRB Holdings Bhd has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MNRB Holdings Bhd's ROE % compare to RGA and EG?
According to the Insurance industry distribution chart, MNRB Holdings Bhd ranks #187 out of 502 companies for ROE %. This puts MNRB Holdings Bhd in the upper half of its industry. The industry median ROE % is 11.65. MNRB Holdings Bhd's value of 11.88% is 2% above this benchmark. Historically, MNRB Holdings Bhd's own ROE % has ranged from 4.54 to 14.90 over the past decade. While the company's 10-year median is 7.07 vs. the industry median of 11.65, MNRB Holdings Bhd 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 11.65, 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. MNRB Holdings Bhd's current ROE % of 11.88% is 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 MNRB Holdings Bhd and its competitors. For the Insurance industry, the median ROE % is 11.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MNRB Holdings Bhd's current ROE % is 11.88%, which is 68% above median its own 10-year median of 7.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MNRB Holdings Bhd stock overvalued right now?
Based on GuruFocus' analysis, MNRB Holdings Bhd (XKLS:6459) is currently considered Modestly Overvalued. The stock's GF Value™ is RM2.42, compared to a current price of RM2.76 — trading 14% above its estimated fair value. The current ROE % is 11.88%, which is 68% above median its 10-year median of 7.07 and 2% above the Insurance industry median of 11.65. MNRB Holdings Bhd's overall GF Score™ is 77/100 with 8 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 MNRB Holdings Bhd (XKLS:6459), the current ROE % is 11.88% 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 MNRB Holdings Bhd (XKLS:6459) Overvalued in 2026?
Based on GuruFocus' analysis, MNRB Holdings Bhd stock appears to be overvalued.
The current stock price of RM2.76 is trading 14% above its estimated GF Value™ of RM2.42.
GuruFocus considers MNRB Holdings Bhd to be Modestly Overvalued.
Key valuation signals for XKLS:6459:
ROE %: 11.88% (68% above median its 10-year median of 7.07)
GF Value™: RM2.42 vs. price of RM2.76 (14% above fair value)
Industry Position: 2% above the Insurance median (#187 of 502)
No single metric tells the full story. See the XKLS:6459 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MNRB Holdings Bhd is engaged in the provision of management services to its subsidiaries. The group is a reinsurance provider as per the retakaful and takaful system according to sharia law. It comprises wholesale providers of reinsurance and retakaful as well as a takaful operator. The reinsurance services are provided in the areas of fire, marine, motor, miscellaneous, and family retakaful. The company is also engaged in the investment holding business and mainly operates in Malaysia and the United Arab Emirates.
77GF Score
Get the complete analysis for XKLS:6459
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XKLS:6459 has been successfully added to your 
