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.
Thai Life Insurance PCL's 3-Year RORE % for the quarter that ended in Mar. 2026 was 4.90%.
The industry rank for Thai Life Insurance PCL's 3-Year RORE % or its related term are showing as below:
BKK:TLI's 3-Year RORE % is ranked worse than 59.24% of 471
companies
in the Insurance industry
Industry Median: 11.68
vs BKK:TLI: 4.90
Thai Life Insurance PCL (BKK:TLI) 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.
Thai Life Insurance PCL 3-Year RORE % Related Terms
Thai Life Insurance PCL 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:TLI vs AFL, MET, PRU: 3-Year RORE % Comparison
For the Insurance - Life subindustry, Thai Life Insurance PCL'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.
Thai Life Insurance PCL 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Thai Life Insurance PCL's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Thai Life Insurance PCL'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.
Thai Life Insurance PCL (BKK:TLI) has a 3-Year RORE % of 4.90 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 Thai Life Insurance PCL and its competitors. According to the industry distribution chart, Thai Life Insurance PCL ranks #279 out of 471 companies in the Insurance industry, placing it in the top 59.2%.
Is Thai Life Insurance PCL's 3-Year RORE % too high?
Thai Life Insurance PCL's current 3-Year RORE % is 4.90. The Insurance industry median 3-Year RORE % is 11.68. Thai Life Insurance PCL's value of 4.90 is 58% below this industry median. Based on the distribution chart, Thai Life Insurance PCL ranks #279 out of 471 companies in the Insurance industry, which is below the industry midpoint. Overall, Thai Life Insurance PCL has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Thai Life Insurance PCL's 3-Year RORE % compare to AFL and MET?
According to the Insurance industry distribution chart, Thai Life Insurance PCL ranks #279 out of 471 companies for 3-Year RORE %. This places Thai Life Insurance PCL in the lower half of its industry. The industry median 3-Year RORE % is 11.68. Thai Life Insurance PCL's value of 4.90 is 58% below 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 11.68, 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. Thai Life Insurance PCL's current 3-Year RORE % of 4.90 is 58% below 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 Thai Life Insurance PCL and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Thai Life Insurance PCL's current 3-Year RORE % is 4.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Thai Life Insurance PCL stock overvalued right now?
Based on GuruFocus' analysis, Thai Life Insurance PCL (BKK:TLI) is currently considered Significantly Overvalued. The stock's GF Value™ is ฿7.02, compared to a current price of ฿11.80 — trading 68.1% above its estimated fair value. The current 3-Year RORE % is 4.90 and 58% below the Insurance industry median of 11.68. Thai Life Insurance PCL's overall GF Score™ is 63/100 with 3 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 Thai Life Insurance PCL (BKK:TLI), the current 3-Year RORE % is 4.90 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 Thai Life Insurance PCL (BKK:TLI) Overvalued in 2026?
Based on GuruFocus' analysis, Thai Life Insurance PCL stock appears to be overvalued.
The current stock price of ฿11.80 is trading 68.1% above its estimated GF Value™ of ฿7.02.
GuruFocus considers Thai Life Insurance PCL to be Significantly Overvalued.
Key valuation signals for BKK:TLI:
3-Year RORE %: 4.90
GF Value™: ฿7.02 vs. price of ฿11.80 (68.1% above fair value)
Industry Position: 58% below the Insurance median (#279 of 471)
No single metric tells the full story. See the BKK:TLI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Thai Life Insurance PCL is a life insurance company. It provides integrated products covering personal accident insurance and group insurance. Its segment includes agent channel; and partnership and other channels, which include commercial banks, government banks, leasing & hire purchase, consumer finance, direct marketing, group employee benefits, and digital. The company generates maximum revenue from the agent channel segment.
63GF Score
Get the complete analysis for BKK:TLI
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:TLI has been successfully added to your 
