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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Al Fujairah National Insurance Co PSC's 3-Year RORE % for the quarter that ended in Dec. 2025 was 89.75%.
ADX:AFNIC's 3-Year RORE % is not ranked
in the Insurance industry.
Industry Median: 11.7
vs ADX:AFNIC: 89.75
Al Fujairah National Insurance Co PSC (ADX:AFNIC) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Al Fujairah National Insurance Co PSC 3-Year RORE % Related Terms
Al Fujairah National Insurance Co PSC 3-Year RORE % 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.
Al Fujairah National Insurance Co PSC 3-Year RORE % Chart
For the Insurance - Diversified subindustry, Al Fujairah National Insurance Co PSC's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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.
Al Fujairah National Insurance Co PSC 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Fujairah National Insurance Co PSC's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Al Fujairah National Insurance Co PSC's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 3-year before.
Al Fujairah National Insurance Co PSC (ADX:AFNIC) has a 3-Year RORE % of 89.75 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Al Fujairah National Insurance Co PSC and its competitors.
Is Al Fujairah National Insurance Co PSC's 3-Year RORE % too high?
Al Fujairah National Insurance Co PSC's current 3-Year RORE % is 89.75. The Insurance industry median 3-Year RORE % is 11.70. Al Fujairah National Insurance Co PSC's value of 89.75 is 667.1% above this industry median. Overall, Al Fujairah National Insurance Co PSC has a GF Score™ of 5/100, reflecting its overall financial health beyond just this single metric.
How does Al Fujairah National Insurance Co PSC's 3-Year RORE % compare to CUII?
Al Fujairah National Insurance Co PSC's 3-Year RORE % of 89.75 can be compared against companies in the Insurance industry. The industry median 3-Year RORE % is 11.70. Al Fujairah National Insurance Co PSC's value of 89.75 is 667.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for an Insurance company?
The median 3-Year RORE % among Insurance companies is 11.70, based on 471 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Al Fujairah National Insurance Co PSC's current 3-Year RORE % of 89.75 is 667.1% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Al Fujairah National Insurance Co PSC and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Fujairah National Insurance Co PSC's current 3-Year RORE % is 89.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Fujairah National Insurance Co PSC stock overvalued right now?
Al Fujairah National Insurance Co PSC (ADX:AFNIC) has a current 3-Year RORE % of 89.75. The current 3-Year RORE % is 89.75 and 667.1% above the Insurance industry median of 11.70. Al Fujairah National Insurance Co PSC's overall GF Score™ is 5/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Al Fujairah National Insurance Co PSC (ADX:AFNIC), the current 3-Year RORE % is 89.75 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.
Al Fujairah National Insurance Co PSC Business Description
Al Fujairah National Insurance Co PSC is an insurance service provider. The company is engaged in the writing of all classes of general insurance and short-term life insurance. It provides services in Abu Dhabi, Dubai, Sharjah, Dibba, and Fujairah, as well as through Insurance ATMs. The company writes all classes of property and casualty insurance, including individual insurance that covers automobile insurance, medical insurance, home insurance, life insurance, etc., and corporate insurance that covers aviation insurance, group life insurance, group medical insurance, energy insurance, engineering and projects, liability insurance, marine insurance, property insurance, and miscellaneous insurance. Its segments are Motor and General, which generate maximum revenue, and Life and Medical.
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