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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 Wathba National Insurance Co PJSC's 3-Year RORE % for the quarter that ended in Dec. 2025 was -47.06%.
ADX:AWNIC's 3-Year RORE % is ranked worse than 86.2% of 471
companies
in the Insurance industry
Industry Median: 11.46
vs ADX:AWNIC: -47.06
Al Wathba National Insurance Co PJSC (ADX:AWNIC) 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 Wathba National Insurance Co PJSC 3-Year RORE % Related Terms
Al Wathba National Insurance Co PJSC 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 Wathba National Insurance Co PJSC 3-Year RORE % Chart
ADX:AWNIC vs CB, PGR, TRV: 3-Year RORE % Comparison
For the Insurance - Property & Casualty subindustry, Al Wathba National Insurance Co PJSC'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 Wathba National Insurance Co PJSC 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Wathba National Insurance Co PJSC's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Al Wathba National Insurance Co PJSC'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 Wathba National Insurance Co PJSC (ADX:AWNIC) has a 3-Year RORE % of -47.06 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 Wathba National Insurance Co PJSC and its competitors. According to the industry distribution chart, Al Wathba National Insurance Co PJSC ranks #406 out of 471 companies in the Insurance industry, placing it in the top 86.2%.
Is Al Wathba National Insurance Co PJSC's 3-Year RORE % too high?
Al Wathba National Insurance Co PJSC's current 3-Year RORE % is -47.06. Based on the distribution chart, Al Wathba National Insurance Co PJSC ranks #406 out of 471 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Al Wathba National Insurance Co PJSC has a GF Score™ of 68/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al Wathba National Insurance Co PJSC's 3-Year RORE % compare to CB and PGR?
According to the Insurance industry distribution chart, Al Wathba National Insurance Co PJSC ranks #406 out of 471 companies for 3-Year RORE %. This places Al Wathba National Insurance Co PJSC in the lower half of its industry. The industry median 3-Year RORE % is 11.46. 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 11.46, 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. 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 Wathba National Insurance Co PJSC and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Wathba National Insurance Co PJSC's current 3-Year RORE % is -47.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Wathba National Insurance Co PJSC stock overvalued right now?
Based on GuruFocus' analysis, Al Wathba National Insurance Co PJSC (ADX:AWNIC) is currently considered Significantly Undervalued. The stock's GF Value™ is د.إ7.40, compared to a current price of د.إ3.00 — trading 59.5% below its estimated fair value. The current 3-Year RORE % is -47.06. Al Wathba National Insurance Co PJSC's overall GF Score™ is 68/100 with 2 warning signs to review. 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 Wathba National Insurance Co PJSC (ADX:AWNIC), the current 3-Year RORE % is -47.06 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 Al Wathba National Insurance Co PJSC (ADX:AWNIC) Overvalued in 2026?
Based on GuruFocus' analysis, Al Wathba National Insurance Co PJSC stock appears to be undervalued.
The current stock price of د.إ3.00 is trading 59.5% below its estimated GF Value™ of د.إ7.40.
GuruFocus considers Al Wathba National Insurance Co PJSC to be Significantly Undervalued.
Key valuation signals for ADX:AWNIC:
3-Year RORE %: -47.06
GF Value™: د.إ7.40 vs. price of د.إ3.00 (59.5% below fair value)
No single metric tells the full story. See the ADX:AWNIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Wathba National Insurance Co PJSC Business Description
AddressMohammed Bin Butti Al Hamed Street, Najda Street, Al Wathba Tower, 9th Street Behind Nissan Showroom, Al Danah - E11, P.O Box: 45154, Abu Dhabi, ARE
Al Wathba National Insurance Co PJSC is principally engaged in underwriting general insurance across all classes, offering a comprehensive multiple products and services for both individual and corporate customers in the UAE. Its individual services include cyber, motor, visit visa, travel, home, and yacht insurance, protecting against various personal risks and financial losses. For corporate clients, the Company offers insurance solutions such as fire and general accident, engineering, oil and energy, marine and aviation, and fleet insurance. The Group's reportable operating segments comprise Motor (which generates the majority of revenue), Health, General Insurance (including property, fire, engineering, energy, liability, marine cargo, and marine hull), and Investments.
68GF Score
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