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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.
Islami Commercial Insurance's 3-Year RORE % for the quarter that ended in Mar. 2026 was 3.77%.
DHA:ICICL's 3-Year RORE % is ranked worse than 61.36% of 471
companies
in the Insurance industry
Industry Median: 11.68
vs DHA:ICICL: 3.77
Islami Commercial Insurance (DHA:ICICL) 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.
Islami Commercial Insurance 3-Year RORE % Related Terms
Islami Commercial Insurance 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.
DHA:ICICL vs CB, PGR, TRV: 3-Year RORE % Comparison
For the Insurance - Property & Casualty subindustry, Islami Commercial Insurance'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.
Islami Commercial Insurance 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Islami Commercial Insurance's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Islami Commercial Insurance'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.
Islami Commercial Insurance (DHA:ICICL) has a 3-Year RORE % of 3.77 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 Islami Commercial Insurance and its competitors. According to the industry distribution chart, Islami Commercial Insurance ranks #289 out of 471 companies in the Insurance industry, placing it in the top 61.4%.
Is Islami Commercial Insurance's 3-Year RORE % too high?
Islami Commercial Insurance's current 3-Year RORE % is 3.77. The Insurance industry median 3-Year RORE % is 11.68. Islami Commercial Insurance's value of 3.77 is 67.7% below this industry median. Based on the distribution chart, Islami Commercial Insurance ranks #289 out of 471 companies in the Insurance industry, which is below the industry midpoint. Overall, Islami Commercial Insurance has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Islami Commercial Insurance's 3-Year RORE % compare to CB and PGR?
According to the Insurance industry distribution chart, Islami Commercial Insurance ranks #289 out of 471 companies for 3-Year RORE %. This places Islami Commercial Insurance in the lower half of its industry. The industry median 3-Year RORE % is 11.68. Islami Commercial Insurance's value of 3.77 is 67.7% 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. Islami Commercial Insurance's current 3-Year RORE % of 3.77 is 67.7% 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 Islami Commercial Insurance 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. Islami Commercial Insurance's current 3-Year RORE % is 3.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Islami Commercial Insurance stock overvalued right now?
Based on GuruFocus' analysis, Islami Commercial Insurance (DHA:ICICL) is currently considered Modestly Overvalued. The stock's GF Value™ is BDT25.35, compared to a current price of BDT29.90 — trading 17.9% above its estimated fair value. The current 3-Year RORE % is 3.77 and 67.7% below the Insurance industry median of 11.68. Islami Commercial Insurance's overall GF Score™ is 63/100 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 Islami Commercial Insurance (DHA:ICICL), the current 3-Year RORE % is 3.77 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 Islami Commercial Insurance (DHA:ICICL) Overvalued in 2026?
Based on GuruFocus' analysis, Islami Commercial Insurance stock appears to be overvalued.
The current stock price of BDT29.90 is trading 17.9% above its estimated GF Value™ of BDT25.35.
GuruFocus considers Islami Commercial Insurance to be Modestly Overvalued.
Key valuation signals for DHA:ICICL:
3-Year RORE %: 3.77
GF Value™: BDT25.35 vs. price of BDT29.90 (17.9% above fair value)
Industry Position: 67.7% below the Insurance median (#289 of 471)
No single metric tells the full story. See the DHA:ICICL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Islami Commercial Insurance PLC provides the service of non-life (general) insurance solutions such as Fire, Motor, Marine or Miscellaneous Insurance to clients with maximum area coverage. Miscellaneous Insurance includes Burglary Insurance, Fidelity Guarantee, Workmen's Compensation, Personal Accident, Product liability Insurance Policy, and others. The company has four primary business segments for reporting purposes, namely fire, marine, motor, and miscellaneous.
63GF Score
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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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