Sharjah Insurance Co PSCADX:SICO 32 3-Year RORE % is 89.75 as of Dec. 2025. GuruFocus rates ADX:SICO with a GF Score™ of 32/100. The stock has 2 warning signs investors should review. Among 473 Insurance companies, Sharjah Insurance Co PSC ranks better than 93.02% on this metric.
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.
Sharjah Insurance Co PSC's 3-Year RORE % for the quarter that ended in Dec. 2025 was 89.75%.
The industry rank for Sharjah Insurance Co PSC's 3-Year RORE % or its related term are showing as below:
ADX:SICO's 3-Year RORE % is ranked better than 93.02% of 473
companies
in the Insurance industry
Industry Median: 11.7
vs ADX:SICO: 89.75
Sharjah Insurance Co PSC (ADX:SICO) 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.
Sharjah Insurance Co PSC 3-Year RORE % Related Terms
Sharjah 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.
ADX:SICO vs BRK.A, AIG, HIG: 3-Year RORE % Comparison
For the Insurance - Diversified subindustry, Sharjah 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.
Sharjah Insurance Co PSC 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sharjah Insurance Co PSC's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Sharjah 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.
Sharjah Insurance Co PSC (ADX:SICO) 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 Sharjah Insurance Co PSC and its competitors. According to the industry distribution chart, Sharjah Insurance Co PSC ranks #33 out of 473 companies in the Insurance industry, placing it in the top 7%.
Is Sharjah Insurance Co PSC's 3-Year RORE % too high?
Sharjah Insurance Co PSC's current 3-Year RORE % is 89.75. The Insurance industry median 3-Year RORE % is 11.70. Sharjah Insurance Co PSC's value of 89.75 is 667.1% above this industry median. Based on the distribution chart, Sharjah Insurance Co PSC ranks #33 out of 473 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Sharjah Insurance Co PSC has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does Sharjah Insurance Co PSC's 3-Year RORE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sharjah Insurance Co PSC ranks #33 out of 473 companies for 3-Year RORE %. This places Sharjah Insurance Co PSC in the top 7% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 11.70. Sharjah 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 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. Sharjah 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 Sharjah 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. Sharjah 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 Sharjah Insurance Co PSC stock overvalued right now?
Sharjah Insurance Co PSC (ADX:SICO) 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. Sharjah Insurance Co PSC's overall GF Score™ is 32/100 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 Sharjah Insurance Co PSC (ADX:SICO), 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.
Sharjah Insurance Co PSC deals in general insurance, property, non-property insurance, and life insurance. Its personal insurance includes motor insurance, travel insurance, and home insurance; and its commercial insurance includes marine insurance, fire insurance, engineering insurance, general accident insurance, liability insurance, life insurance, and motor insurance. The company is organized into two segments: underwriting and investment. Underwriting segment comprises engineering and motor insurance, marine insurance, fire insurance, and other insurances. Investment segment includes investments inside and outside UAE, marketable equity securities, term deposit with banks and investment properties. The majority of the revenue is derived from the Underwriting segment.
32GF Score
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