BeazleyBZLEY +4.77%44 3-Year RORE % is -1.41 as of Dec. 2025. GuruFocus rates BZLEY with a GF Score™ of 44/100 and a GF Value™ of $91.88 (Significantly Undervalued). The stock has 6 warning signs investors should review. Among 475 Insurance companies, Beazley ranks worse than 68.63% 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.
Beazley's 3-Year RORE % for the quarter that ended in Dec. 2025 was -1.41%.
The industry rank for Beazley's 3-Year RORE % or its related term are showing as below:
BZLEY's 3-Year RORE % is ranked worse than 68.63% of 475
companies
in the Insurance industry
Industry Median: 11.7
vs BZLEY: -1.41
Beazley (OTCPK:BZLEY) 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.
Beazley 3-Year RORE % Related Terms
Beazley 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Beazley'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.
For the Insurance - Specialty subindustry, Beazley'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.
Beazley 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Beazley's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Beazley'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.
Beazley (BZLEY) has a 3-Year RORE % of -1.41 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 Beazley and its competitors. According to the industry distribution chart, Beazley ranks #326 out of 475 companies in the Insurance industry, placing it in the top 68.6%.
Is Beazley's 3-Year RORE % too high?
Beazley's current 3-Year RORE % is -1.41. Based on the distribution chart, Beazley ranks #326 out of 475 companies in the Insurance industry, which is below the industry midpoint. Overall, Beazley has a GF Score™ of 44/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Beazley's 3-Year RORE % compare to FNF and AXS?
According to the Insurance industry distribution chart, Beazley ranks #326 out of 475 companies for 3-Year RORE %. This places Beazley in the lower half of its industry. The industry median 3-Year RORE % is 11.70. 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 475 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. 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 Beazley 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. Beazley's current 3-Year RORE % is -1.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Beazley stock overvalued right now?
Based on GuruFocus' analysis, Beazley (BZLEY) is currently considered Significantly Undervalued. The stock's GF Value™ is $91.88, compared to a current price of $34.27 — trading 62.7% below its estimated fair value. The current 3-Year RORE % is -1.41. Beazley's overall GF Score™ is 44/100 with 6 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 Beazley (BZLEY), the current 3-Year RORE % is -1.41 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 Beazley (BZLEY) Overvalued in 2026?
Based on GuruFocus' analysis, Beazley stock appears to be undervalued.
The current stock price of $34.27 is trading 62.7% below its estimated GF Value™ of $91.88.
GuruFocus considers Beazley to be Significantly Undervalued.
Key valuation signals for BZLEY:
3-Year RORE %: -1.41
GF Value™: $91.88 vs. price of $34.27 (62.7% below fair value)
No single metric tells the full story. See the BZLEY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Beazley PLC is a specialty insurer providing services to customers in the United Kingdom (its key market), the U.S., and Europe. It operates through the following segments: Cyber Risks, which underwrites cyber and technology risks; Digital, which underwrites a variety of marine, contingency, and SME liability risks through digital channels such as e-trading platforms and broker portals; MAP Risks, which underwrites marine, portfolio underwriting, and political and contingency business; Property Risk, which underwrites first party property risks and reinsurance business; and the Specialty Risks segment, which underwrites a wide range of liability classes, including employment practices risks and directors and officers, as well as healthcare, lawyers and international financial institutions.
44GF Score
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