Societe Tunisienne de ReassuranceXTUN:TRE 85 ROE % is 8.48% as of Dec. 2024, which is 2% above its 10-year median of 8.33. GuruFocus rates XTUN:TRE with a GF Score™ of 85/100 and a GF Value™ of TND9.27 (Significantly Overvalued). Among 502 Insurance companies, Societe Tunisienne de Reassurance ranks worse than 64.34% on this metric.
XTUN:TRE'
s ROE % Range Over the Past 10 Years
Min: 5.82 Med: 8.33 Max: 8.95
Current: 8.48
During the past 13 years, Societe Tunisienne de Reassurance's highest ROE % was 8.95%. The lowest was 5.82%. And the median was 8.33%.
XTUN:TRE's ROE % is ranked worse than 64.34% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs XTUN:TRE: 8.48
Societe Tunisienne de Reassurance (XTUN:TRE) 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 one times the annual (Dec. 2024) net income data. The Revenue data used here is one times the annual (Dec. 2024) 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.
Societe Tunisienne de Reassurance ROE % Related Terms
Societe Tunisienne de Reassurance ROE % Historical Data
* 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, Societe Tunisienne de Reassurance'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.
Societe Tunisienne de Reassurance ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Societe Tunisienne de Reassurance's ROE % distribution charts can be found below:
* The bar in red indicates where Societe Tunisienne de Reassurance'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 one times the annual (Dec. 2024) net income data.
ROE % is displayed in the 30-year financial page.
Societe Tunisienne de Reassurance (XTUN:TRE) has a ROE % of 8.48% as of Dec. 2024. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Societe Tunisienne de Reassurance and its competitors. This is near median its historical median of 8.33. Over the past decade, Societe Tunisienne de Reassurance's ROE % has ranged from 5.82 to 8.95. According to the industry distribution chart, Societe Tunisienne de Reassurance ranks #323 out of 502 companies in the Insurance industry, placing it in the top 64.3%.
Is Societe Tunisienne de Reassurance's ROE % too high?
Societe Tunisienne de Reassurance's current ROE % of 8.48% is near median its 10-year median of 8.33. Over the past 10 years, this metric has ranged from a low of 5.82 to a high of 8.95. The Insurance industry median ROE % is 11.73. Societe Tunisienne de Reassurance's value of 8.48% is 27.7% below this industry median. Based on the distribution chart, Societe Tunisienne de Reassurance ranks #323 out of 502 companies in the Insurance industry, which is below the industry midpoint. Overall, Societe Tunisienne de Reassurance has a GF Score™ of 85/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Societe Tunisienne de Reassurance's ROE % compare to RGA and EG?
According to the Insurance industry distribution chart, Societe Tunisienne de Reassurance ranks #323 out of 502 companies for ROE %. This places Societe Tunisienne de Reassurance in the lower half of its industry. The industry median ROE % is 11.73. Societe Tunisienne de Reassurance's value of 8.48% is 27.7% below this benchmark. Historically, Societe Tunisienne de Reassurance's own ROE % has ranged from 5.82 to 8.95 over the past decade. While the company's 10-year median is 8.33 vs. the industry median of 11.73, Societe Tunisienne de Reassurance has consistently been below 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. Societe Tunisienne de Reassurance's current ROE % of 8.48% is 27.7% below 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 Societe Tunisienne de Reassurance 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. Societe Tunisienne de Reassurance's current ROE % is 8.48%, which is near median its own 10-year median of 8.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Societe Tunisienne de Reassurance stock overvalued right now?
Based on GuruFocus' analysis, Societe Tunisienne de Reassurance (XTUN:TRE) is currently considered Significantly Overvalued. The stock's GF Value™ is TND9.27, compared to a current price of TND12.80 — trading 38.1% above its estimated fair value. The current ROE % is 8.48%, which is near median its 10-year median of 8.33 and 27.7% below the Insurance industry median of 11.73. Societe Tunisienne de Reassurance's overall GF Score™ is 85/100. 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 Societe Tunisienne de Reassurance (XTUN:TRE), the current ROE % is 8.48% as of Dec. 2024. 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 Societe Tunisienne de Reassurance (XTUN:TRE) Overvalued in 2026?
Based on GuruFocus' analysis, Societe Tunisienne de Reassurance stock appears to be overvalued.
The current stock price of TND12.80 is trading 38.1% above its estimated GF Value™ of TND9.27.
GuruFocus considers Societe Tunisienne de Reassurance to be Significantly Overvalued.
Key valuation signals for XTUN:TRE:
ROE %: 8.48% (near median its 10-year median of 8.33)
GF Value™: TND9.27 vs. price of TND12.80 (38.1% above fair value)
Industry Position: 27.7% below the Insurance median (#323 of 502)
No single metric tells the full story. See the XTUN:TRE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Societe Tunisienne de Reassurance Business Description
Societe Tunisienne de Reassurance SA is engaged in the provision of the insurance services. The company offers various insurance products such as Fire, Miscellaneous and Technical Risks, engineering, Agricultural Risks, Marine & Energy, civil liability, accidents, civil and life insurances. In addition, it also provides transport corps, transportation faculties, energy and aviation insurance.
85GF Score
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