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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.
HAYAH Insurance Co PJSC's 3-Year RORE % for the quarter that ended in Dec. 2025 was 1,200.00%.
The industry rank for HAYAH Insurance Co PJSC's 3-Year RORE % or its related term are showing as below:
ADX:HAYAH's 3-Year RORE % is ranked better than 99.58% of 473
companies
in the Insurance industry
Industry Median: 11.46
vs ADX:HAYAH: 1200.00
HAYAH Insurance Co PJSC (ADX:HAYAH) 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.
HAYAH Insurance Co PJSC 3-Year RORE % Related Terms
HAYAH 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.
For the Insurance - Life subindustry, HAYAH 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.
HAYAH Insurance Co PJSC 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, HAYAH Insurance Co PJSC's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where HAYAH 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.
HAYAH Insurance Co PJSC (ADX:HAYAH) has a 3-Year RORE % of 1,200.00 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 HAYAH Insurance Co PJSC and its competitors. According to the industry distribution chart, HAYAH Insurance Co PJSC ranks #2 out of 473 companies in the Insurance industry, placing it in the top 0.40000000000001%.
Is HAYAH Insurance Co PJSC's 3-Year RORE % too high?
HAYAH Insurance Co PJSC's current 3-Year RORE % is 1,200.00. The Insurance industry median 3-Year RORE % is 11.46. HAYAH Insurance Co PJSC's value of 1,200.00 is 10371.2% above this industry median. Based on the distribution chart, HAYAH Insurance Co PJSC ranks #2 out of 473 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, HAYAH Insurance Co PJSC has a GF Score™ of 63/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HAYAH Insurance Co PJSC's 3-Year RORE % compare to AFL and MET?
According to the Insurance industry distribution chart, HAYAH Insurance Co PJSC ranks #2 out of 473 companies for 3-Year RORE %. This places HAYAH Insurance Co PJSC in the top 0% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 11.46. HAYAH Insurance Co PJSC's value of 1,200.00 is 10371.2% 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 11.46, based on 473 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. HAYAH Insurance Co PJSC's current 3-Year RORE % of 1,200.00 is 10371.2% 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 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 HAYAH 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. HAYAH Insurance Co PJSC's current 3-Year RORE % is 1,200.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HAYAH Insurance Co PJSC stock overvalued right now?
Based on GuruFocus' analysis, HAYAH Insurance Co PJSC (ADX:HAYAH) is currently considered Significantly Undervalued. The stock's GF Value™ is د.إ1.83, compared to a current price of د.إ1.22 — trading 33.3% below its estimated fair value. The current 3-Year RORE % is 1,200.00 and 10371.2% above the Insurance industry median of 11.46. HAYAH Insurance Co PJSC's overall GF Score™ is 63/100 with 1 warning sign 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 HAYAH Insurance Co PJSC (ADX:HAYAH), the current 3-Year RORE % is 1,200.00 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 HAYAH Insurance Co PJSC (ADX:HAYAH) Overvalued in 2026?
Based on GuruFocus' analysis, HAYAH Insurance Co PJSC stock appears to be undervalued.
The current stock price of د.إ1.22 is trading 33.3% below its estimated GF Value™ of د.إ1.83.
GuruFocus considers HAYAH Insurance Co PJSC to be Significantly Undervalued.
Key valuation signals for ADX:HAYAH:
3-Year RORE %: 1,200.00
GF Value™: د.إ1.83 vs. price of د.إ1.22 (33.3% below fair value)
Industry Position: 10371.2% above the Insurance median (#2 of 473)
No single metric tells the full story. See the ADX:HAYAH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HAYAH Insurance Co PJSC is engaged in providing health and life insurance solutions. The company has two business operating segments: Medical and Life. The medical insurance segment provides coverage to policyholders, and the life insurance segment offers term life assurance products.
63GF Score
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