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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.
Takaful Al Emarat's 3-Year RORE % for the quarter that ended in Mar. 2026 was -179.87%.
The industry rank for Takaful Al Emarat's 3-Year RORE % or its related term are showing as below:
DFM:TAKAFUL-EM's 3-Year RORE % is ranked worse than 94.94% of 474
companies
in the Insurance industry
Industry Median: 11.315
vs DFM:TAKAFUL-EM: -179.87
Takaful Al Emarat (DFM:TAKAFUL-EM) 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.
Takaful Al Emarat 3-Year RORE % Related Terms
Takaful Al Emarat 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Takaful Al Emarat'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.
DFM:TAKAFUL-EM vs FNF, AXS, FAF: 3-Year RORE % Comparison
For the Insurance - Specialty subindustry, Takaful Al Emarat'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.
Takaful Al Emarat 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Takaful Al Emarat's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Takaful Al Emarat'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.
Takaful Al Emarat (DFM:TAKAFUL-EM) has a 3-Year RORE % of -179.87 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 Takaful Al Emarat and its competitors. According to the industry distribution chart, Takaful Al Emarat ranks #450 out of 474 companies in the Insurance industry, placing it in the top 94.9%.
Is Takaful Al Emarat's 3-Year RORE % too high?
Takaful Al Emarat's current 3-Year RORE % is -179.87. Based on the distribution chart, Takaful Al Emarat ranks #450 out of 474 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Takaful Al Emarat has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Takaful Al Emarat's 3-Year RORE % compare to FNF and AXS?
According to the Insurance industry distribution chart, Takaful Al Emarat ranks #450 out of 474 companies for 3-Year RORE %. This places Takaful Al Emarat in the lower half of its industry. The industry median 3-Year RORE % is 11.32. 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 11.32, based on 474 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 Takaful Al Emarat and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Takaful Al Emarat's current 3-Year RORE % is -179.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Takaful Al Emarat stock overvalued right now?
Based on GuruFocus' analysis, Takaful Al Emarat (DFM:TAKAFUL-EM) is currently considered Fairly Valued. The stock's GF Value™ is د.إ1.81, compared to a current price of د.إ1.67 — trading 7.7% below its estimated fair value. The current 3-Year RORE % is -179.87. Takaful Al Emarat's overall GF Score™ is 62/100 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 Takaful Al Emarat (DFM:TAKAFUL-EM), the current 3-Year RORE % is -179.87 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 Takaful Al Emarat (DFM:TAKAFUL-EM) Overvalued in 2026?
Based on GuruFocus' analysis, Takaful Al Emarat stock appears to be undervalued.
The current stock price of د.إ1.67 is trading 7.7% below its estimated GF Value™ of د.إ1.81.
GuruFocus considers Takaful Al Emarat to be Fairly Valued.
Key valuation signals for DFM:TAKAFUL-EM:
3-Year RORE %: -179.87
GF Value™: د.إ1.81 vs. price of د.إ1.67 (7.7% below fair value)
No single metric tells the full story. See the DFM:TAKAFUL-EM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Takaful Al Emarat is engaged in the insurance business in the United Arab Emirates. The company provides health insurance, life insurance, and credit and savings insurance. Under personal insurance, it provides level term plans, a decreasing term plan, takaful growth plan, whole life plan, educational plan, wealth plan, and Travel protection plan. The company is organized into two business segments: Takaful and Investment operations. The Takaful operations comprise the takaful business undertaken by the group on behalf of policyholders, and Investment operations comprise investments and cash management of its accounts.
62GF Score
Get the complete analysis for DFM:TAKAFUL-EM
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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