Islamic Arab Insurance Co (DFM:SALAMA) 3-Year RORE % : -149.59% (As of Mar. 2026)


DFM:SALAMA Islamic Arab Insurance Co DFM:SALAMA
42 GF Score
Price د.إ0.81
GF Value د.إ0.84
Valuation Fairly Valued
! 1 Warning Sign
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What is Islamic Arab Insurance Co 3-Year RORE %?

Islamic Arab Insurance Co DFM:SALAMA +2.66% 42 3-Year RORE % is -149.59 as of Mar. 2026. GuruFocus rates DFM:SALAMA with a GF Score™ of 42/100 and a GF Value™ of د.إ0.84 (Fairly Valued). The stock has 1 warning sign investors should review. Among 475 Insurance companies, Islamic Arab Insurance Co ranks worse than 93.47% 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. Islamic Arab Insurance Co's 3-Year RORE % for the quarter that ended in Mar. 2026 was -149.59%.

The industry rank for Islamic Arab Insurance Co's 3-Year RORE % or its related term are showing as below:

DFM:SALAMA's 3-Year RORE % is ranked worse than
93.47% of 475 companies
in the Insurance industry
Industry Median: 11.7 vs DFM:SALAMA: -149.59

Islamic Arab Insurance Co  (DFM:SALAMA) 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.


Islamic Arab Insurance Co 3-Year RORE % Related Terms


Islamic Arab Insurance Co 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for Islamic Arab Insurance Co'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.

Islamic Arab Insurance Co 3-Year RORE % Chart

Islamic Arab Insurance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -21.25 -933.33 89.08 3.97 -117.73

Islamic Arab Insurance Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 12.18 1.55 0.00 -117.73 -149.59

DFM:SALAMA vs BRK.A, AIG, HIG: 3-Year RORE % Comparison

For the Insurance - Diversified subindustry, Islamic Arab Insurance Co'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.


Islamic Arab Insurance Co 3-Year RORE % vs Insurance Industry

For the Insurance industry and Financial Services sector, Islamic Arab Insurance Co's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where Islamic Arab Insurance Co's 3-Year RORE % falls into.


DFM:SALAMA
42GF Score
Islamic Arab Insurance Co DFM:SALAMA
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Islamic Arab Insurance Co 3-Year RORE % Calculation

Islamic Arab Insurance Co's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 0.029--0.155 )/( -0.123-0 )
=0.184/-0.123
=-149.59 %

* 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.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of -149.59 mean?
Islamic Arab Insurance Co (DFM:SALAMA) has a 3-Year RORE % of -149.59 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 Islamic Arab Insurance Co and its competitors. According to the industry distribution chart, Islamic Arab Insurance Co ranks #444 out of 475 companies in the Insurance industry, placing it in the top 93.5%.
Is Islamic Arab Insurance Co's 3-Year RORE % too high?
Islamic Arab Insurance Co's current 3-Year RORE % is -149.59. Based on the distribution chart, Islamic Arab Insurance Co ranks #444 out of 475 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Islamic Arab Insurance Co has a GF Score™ of 42/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Islamic Arab Insurance Co's 3-Year RORE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Islamic Arab Insurance Co ranks #444 out of 475 companies for 3-Year RORE %. This places Islamic Arab Insurance Co 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 Islamic Arab Insurance Co 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. Islamic Arab Insurance Co's current 3-Year RORE % is -149.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Islamic Arab Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Islamic Arab Insurance Co (DFM:SALAMA) is currently considered Fairly Valued. The stock's GF Value™ is د.إ0.84, compared to a current price of د.إ0.81 — trading 3.5% below its estimated fair value. The current 3-Year RORE % is -149.59. Islamic Arab Insurance Co's overall GF Score™ is 42/100 with 1 warning sign 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 Islamic Arab Insurance Co (DFM:SALAMA), the current 3-Year RORE % is -149.59 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 Islamic Arab Insurance Co (DFM:SALAMA) Overvalued in 2026?

Based on GuruFocus' analysis, Islamic Arab Insurance Co stock appears to be undervalued. The current stock price of د.إ0.81 is trading 3.5% below its estimated GF Value™ of د.إ0.84. GuruFocus considers Islamic Arab Insurance Co to be Fairly Valued.

Key valuation signals for DFM:SALAMA:

  • 3-Year RORE %: -149.59
  • GF Value™: د.إ0.84 vs. price of د.إ0.81 (3.5% below fair value)
  • GF Score™: 42/100 with 1 warning sign

No single metric tells the full story. See the DFM:SALAMA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Islamic Arab Insurance Co Business Description

Address Sheikh Rashid Road, Block A, 4th Floor, Spectrum Building, P.O. Box 10214, Oud Metha, Dubai, ARE
Islamic Arab Insurance Co is a Takaful (Islamic Insurance) and Re-Takaful insurance company focusing on providing sharia-compliant takaful solutions to both institutional and individual customers. It offers various insurance products, such as health insurance, auto insurance, different types of life insurance, home insurance, marine insurance, employee benefits plans, savings plans, and property and casualty insurance products, among others. The Group has two segments: General Takaful and Life Takaful. Maximum revenue is generated from the General Takaful business, incorporating all classes of general takaful, including fire, marine, motor, general accident, engineering, and medical. Geographically, the Group derives maximum revenue from Asia, and the rest from Africa.
42GF Score

Get the complete analysis for DFM:SALAMA

3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ0.81
Price
د.إ0.84
GF Value