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.
AUB Group's 3-Year RORE % for the quarter that ended in Dec. 2025 was 45.33%.
The industry rank for AUB Group's 3-Year RORE % or its related term are showing as below:
ASX:AUB's 3-Year RORE % is ranked better than 84.36% of 473
companies
in the Insurance industry
Industry Median: 11.7
vs ASX:AUB: 45.33
AUB Group (ASX:AUB) 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.
AUB Group 3-Year RORE % Related Terms
AUB Group 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for AUB Group's 3-Year RORE % can be seen below:
* 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.
ASX:AUB vs MRSH, AON, AJG: 3-Year RORE % Comparison
For the Insurance Brokers subindustry, AUB Group'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.
AUB Group 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, AUB Group's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where AUB Group'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.
AUB Group (ASX:AUB) has a 3-Year RORE % of 45.33 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 AUB Group and its competitors. According to the industry distribution chart, AUB Group ranks #74 out of 473 companies in the Insurance industry, placing it in the top 15.6%.
Is AUB Group's 3-Year RORE % too high?
AUB Group's current 3-Year RORE % is 45.33. The Insurance industry median 3-Year RORE % is 11.70. AUB Group's value of 45.33 is 287.4% above this industry median. Based on the distribution chart, AUB Group ranks #74 out of 473 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, AUB Group has a GF Score™ of 85/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does AUB Group's 3-Year RORE % compare to MRSH and AON?
According to the Insurance industry distribution chart, AUB Group ranks #74 out of 473 companies for 3-Year RORE %. This places AUB Group in the top 16% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 11.70. AUB Group's value of 45.33 is 287.4% 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. AUB Group's current 3-Year RORE % of 45.33 is 287.4% 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 AUB Group 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. AUB Group's current 3-Year RORE % is 45.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AUB Group stock overvalued right now?
Based on GuruFocus' analysis, AUB Group (ASX:AUB) is currently considered Possible Value Trap. The stock's GF Value™ is A$49.61, compared to a current price of A$28.49 — trading 42.6% below its estimated fair value. The current 3-Year RORE % is 45.33 and 287.4% above the Insurance industry median of 11.70. AUB Group's overall GF Score™ is 85/100 with 5 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 AUB Group (ASX:AUB), the current 3-Year RORE % is 45.33 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 AUB Group (ASX:AUB) Overvalued in 2026?
Based on GuruFocus' analysis, AUB Group stock appears to be undervalued.
The current stock price of A$28.49 is trading 42.6% below its estimated GF Value™ of A$49.61.
GuruFocus considers AUB Group to be Possible Value Trap.
Key valuation signals for ASX:AUB:
3-Year RORE %: 45.33
GF Value™: A$49.61 vs. price of A$28.49 (42.6% below fair value)
Industry Position: 287.4% above the Insurance median (#74 of 473)
No single metric tells the full story. See the ASX:AUB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AUB Group is the second-largest general insurance broker network in Australia and New Zealand. It has an ownership in brokerage businesses that collectively write over AUD 5 billion in premiums. It also owns equity stakes in 35 underwriting agencies. AUB derives revenue from commissions (from insurers, ultimately paid for by AUB's customers), based on gross written premium from agencies it owns, and a share of profits from associates and joint ventures. GWP is split among personal (3%), small to medium enterprises (70%), and corporates (27%).
85GF Score
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