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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.
Abu Dhabi National Takaful Co PSC's 3-Year RORE % for the quarter that ended in Dec. 2025 was 12.32%.
Abu Dhabi National Takaful Co PSC (ADX:TKFL) 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.
Abu Dhabi National Takaful Co PSC 3-Year RORE % Related Terms
Abu Dhabi National Takaful 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.
Abu Dhabi National Takaful Co PSC 3-Year RORE % Chart
ADX:TKFL vs BRK.A, AIG, HIG: 3-Year RORE % Comparison
For the Insurance - Diversified subindustry, Abu Dhabi National Takaful 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.
Abu Dhabi National Takaful Co PSC 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Abu Dhabi National Takaful Co PSC's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Abu Dhabi National Takaful 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.
Abu Dhabi National Takaful Co PSC (ADX:TKFL) has a 3-Year RORE % of 12.32 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 Abu Dhabi National Takaful Co PSC and its competitors. According to the industry distribution chart, Abu Dhabi National Takaful Co PSC ranks #232 out of 472 companies in the Insurance industry, placing it in the top 49.2%.
Is Abu Dhabi National Takaful Co PSC's 3-Year RORE % too high?
Abu Dhabi National Takaful Co PSC's current 3-Year RORE % is 12.32. The Insurance industry median 3-Year RORE % is 11.57. Abu Dhabi National Takaful Co PSC's value of 12.32 is 6.5% above this industry median. Based on the distribution chart, Abu Dhabi National Takaful Co PSC ranks #232 out of 472 companies in the Insurance industry, which is above the industry midpoint. Overall, Abu Dhabi National Takaful Co PSC has a GF Score™ of 72/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi National Takaful Co PSC's 3-Year RORE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Abu Dhabi National Takaful Co PSC ranks #232 out of 472 companies for 3-Year RORE %. This puts Abu Dhabi National Takaful Co PSC in the upper half of its industry. The industry median 3-Year RORE % is 11.57. Abu Dhabi National Takaful Co PSC's value of 12.32 is 6.5% 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 11.57, based on 472 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. Abu Dhabi National Takaful Co PSC's current 3-Year RORE % of 12.32 is 6.5% 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 Abu Dhabi National Takaful Co PSC and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abu Dhabi National Takaful Co PSC's current 3-Year RORE % is 12.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abu Dhabi National Takaful Co PSC stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi National Takaful Co PSC (ADX:TKFL) is currently considered Significantly Undervalued. The stock's GF Value™ is د.إ8.34, compared to a current price of د.إ5.31 — trading 36.3% below its estimated fair value. The current 3-Year RORE % is 12.32 and 6.5% above the Insurance industry median of 11.57. Abu Dhabi National Takaful Co PSC's overall GF Score™ is 72/100. 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 Abu Dhabi National Takaful Co PSC (ADX:TKFL), the current 3-Year RORE % is 12.32 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 Abu Dhabi National Takaful Co PSC (ADX:TKFL) Overvalued in 2026?
Based on GuruFocus' analysis, Abu Dhabi National Takaful Co PSC stock appears to be undervalued.
The current stock price of د.إ5.31 is trading 36.3% below its estimated GF Value™ of د.إ8.34.
GuruFocus considers Abu Dhabi National Takaful Co PSC to be Significantly Undervalued.
Key valuation signals for ADX:TKFL:
3-Year RORE %: 12.32
GF Value™: د.إ8.34 vs. price of د.إ5.31 (36.3% below fair value)
Industry Position: 6.5% above the Insurance median (#232 of 472)
No single metric tells the full story. See the ADX:TKFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Abu Dhabi National Takaful Co PSC is engaged in providing Takaful insurance solutions for the regional market. The company is licensed by the Ministry of Economy & Commerce as the first Takaful operator in the emirates of Abu Dhabi and is among the Islamic insurance companies operating in the United Arab Emirates. The company's core business activities and investments are conducted in accordance with the Islamic Sharia. The company has different types of products and services, which have been developed under the guidance of the Fatwa & Sharia Supervisory Board to meet the varying needs of clients in the field of Islamic finance.
72GF Score
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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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