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.
United Overseas Insurance's 3-Year RORE % for the quarter that ended in Dec. 2025 was 2.64%.
The industry rank for United Overseas Insurance's 3-Year RORE % or its related term are showing as below:
HAM:IZB's 3-Year RORE % is ranked worse than 60.93% of 471
companies
in the Insurance industry
Industry Median: 11.68
vs HAM:IZB: 2.64
United Overseas Insurance (HAM:IZB) 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.
United Overseas Insurance 3-Year RORE % Related Terms
United Overseas 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.
For the Insurance - Property & Casualty subindustry, United Overseas 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.
United Overseas Insurance 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, United Overseas Insurance's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where United Overseas 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 Dec. 2025 and 3-year before.
United Overseas Insurance (HAM:IZB) has a 3-Year RORE % of 2.64 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 United Overseas Insurance and its competitors. According to the industry distribution chart, United Overseas Insurance ranks #287 out of 471 companies in the Insurance industry, placing it in the top 60.9%.
Is United Overseas Insurance's 3-Year RORE % too high?
United Overseas Insurance's current 3-Year RORE % is 2.64. The Insurance industry median 3-Year RORE % is 11.68. United Overseas Insurance's value of 2.64 is 77.4% below this industry median. Based on the distribution chart, United Overseas Insurance ranks #287 out of 471 companies in the Insurance industry, which is below the industry midpoint. Overall, United Overseas Insurance has a GF Score™ of 71/100, reflecting its overall financial health beyond just this single metric.
How does United Overseas Insurance's 3-Year RORE % compare to CB and PGR?
According to the Insurance industry distribution chart, United Overseas Insurance ranks #287 out of 471 companies for 3-Year RORE %. This places United Overseas Insurance in the lower half of its industry. The industry median 3-Year RORE % is 11.68. United Overseas Insurance's value of 2.64 is 77.4% 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. United Overseas Insurance's current 3-Year RORE % of 2.64 is 77.4% 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 United Overseas 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. United Overseas Insurance's current 3-Year RORE % is 2.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Overseas Insurance stock overvalued right now?
United Overseas Insurance (HAM:IZB) has a current 3-Year RORE % of 2.64. The stock's GF Value™ is €5.69, compared to a current price of €5.80 — trading 1.9% above its estimated fair value. The current 3-Year RORE % is 2.64 and 77.4% below the Insurance industry median of 11.68. United Overseas Insurance's overall GF Score™ is 71/100 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 United Overseas Insurance (HAM:IZB), the current 3-Year RORE % is 2.64 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 United Overseas Insurance (HAM:IZB) Overvalued in 2026?
Based on GuruFocus' analysis, United Overseas Insurance stock appears to be overvalued.
The current stock price of €5.80 is trading 1.9% above its estimated GF Value™ of €5.69.
Key valuation signals for HAM:IZB:
3-Year RORE %: 2.64
GF Value™: €5.69 vs. price of €5.80 (1.9% above fair value)
Industry Position: 77.4% below the Insurance median (#287 of 471)
No single metric tells the full story. See the HAM:IZB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Overseas Insurance Ltd is a Singapore-based company engaged in the underwriting of general insurance business and reinsurance. The company's general insurance products cover a broad spectrum of classes of insurance, among which are fire, marine, motor, engineering, general accident, and liability business. The company's segments include Singapore Insurance Fund (SIF), which is for insurance business relating to Singapore policies, Offshore Insurance Fund (OIF), which is for insurance business relating to offshore policies, and Shareholders' Fund (SHF), which relates to the company's investment activities of its non-insurance funds. It derives key revenue from the SIF segment. The group has a business presence in Singapore, ASEAN countries, and other countries.
71GF Score
Get the complete analysis for HAM:IZB
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
HAM:IZB has been successfully added to your 
