Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
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.
Allianz Ayudhya Capital's 3-Year RORE % for the quarter that ended in Mar. 2026 was 33.75%.
The industry rank for Allianz Ayudhya Capital's 3-Year RORE % or its related term are showing as below:
BKK:AYUD's 3-Year RORE % is ranked better than 75.37% of 471
companies
in the Insurance industry
Industry Median: 11.7
vs BKK:AYUD: 33.75
Allianz Ayudhya Capital (BKK:AYUD) 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.
Allianz Ayudhya Capital 3-Year RORE % Related Terms
Allianz Ayudhya Capital 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.
BKK:AYUD vs CB, PGR, TRV: 3-Year RORE % Comparison
For the Insurance - Property & Casualty subindustry, Allianz Ayudhya Capital'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.
Allianz Ayudhya Capital 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Allianz Ayudhya Capital's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Allianz Ayudhya Capital'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 Mar. 2026 and 3-year before.
Allianz Ayudhya Capital (BKK:AYUD) has a 3-Year RORE % of 33.75 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Allianz Ayudhya Capital and its competitors. According to the industry distribution chart, Allianz Ayudhya Capital ranks #116 out of 471 companies in the Insurance industry, placing it in the top 24.6%.
Is Allianz Ayudhya Capital's 3-Year RORE % too high?
Allianz Ayudhya Capital's current 3-Year RORE % is 33.75. The Insurance industry median 3-Year RORE % is 11.70. Allianz Ayudhya Capital's value of 33.75 is 188.5% above this industry median. Based on the distribution chart, Allianz Ayudhya Capital ranks #116 out of 471 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Allianz Ayudhya Capital has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Allianz Ayudhya Capital's 3-Year RORE % compare to CB and PGR?
According to the Insurance industry distribution chart, Allianz Ayudhya Capital ranks #116 out of 471 companies for 3-Year RORE %. This places Allianz Ayudhya Capital in the top 25% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 11.70. Allianz Ayudhya Capital's value of 33.75 is 188.5% 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 11.70, 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. Allianz Ayudhya Capital's current 3-Year RORE % of 33.75 is 188.5% 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 Allianz Ayudhya Capital 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. Allianz Ayudhya Capital's current 3-Year RORE % is 33.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Allianz Ayudhya Capital stock overvalued right now?
Based on GuruFocus' analysis, Allianz Ayudhya Capital (BKK:AYUD) is currently considered Modestly Undervalued. The stock's GF Value™ is ฿52.25, compared to a current price of ฿42.00 — trading 19.6% below its estimated fair value. The current 3-Year RORE % is 33.75 and 188.5% above the Insurance industry median of 11.70. Allianz Ayudhya Capital's overall GF Score™ is 82/100 with 7 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 Allianz Ayudhya Capital (BKK:AYUD), the current 3-Year RORE % is 33.75 as of Mar. 2026. 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 Allianz Ayudhya Capital (BKK:AYUD) Overvalued in 2026?
Based on GuruFocus' analysis, Allianz Ayudhya Capital stock appears to be undervalued.
The current stock price of ฿42.00 is trading 19.6% below its estimated GF Value™ of ฿52.25.
GuruFocus considers Allianz Ayudhya Capital to be Modestly Undervalued.
Key valuation signals for BKK:AYUD:
3-Year RORE %: 33.75
GF Value™: ฿52.25 vs. price of ฿42.00 (19.6% below fair value)
Industry Position: 188.5% above the Insurance median (#116 of 471)
No single metric tells the full story. See the BKK:AYUD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Allianz Ayudhya Capital PLC is an investment holding company. The company is engaged in providing individual insurance such as motor insurance, personal accidents insurance, travel accidents insurance, fire insurance, cancer insurance and others. It is involved in non-life insurance business covering for loss or damage of insured properties, such as constructions, commercial and residential buildings, factories, and merchandise, marine and transportation insurance. The company is operating in three principal business segments Non-life insurance business generating the key revenue, Service business and Investment business, which are only organized and managed in a single geographic area, namely in Thailand.
82GF Score
Get the complete analysis for BKK:AYUD
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BKK:AYUD has been successfully added to your 
