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.
Vienna Insurance Group AG's 3-Year RORE % for the quarter that ended in Dec. 2025 was 18.94%.
The industry rank for Vienna Insurance Group AG's 3-Year RORE % or its related term are showing as below:
HAM:WSV2's 3-Year RORE % is ranked better than 59.49% of 474
companies
in the Insurance industry
Industry Median: 11.865
vs HAM:WSV2: 18.94
Vienna Insurance Group AG (HAM:WSV2) 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.
Vienna Insurance Group AG 3-Year RORE % Related Terms
Vienna Insurance Group AG 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.
HAM:WSV2 vs BRK.A, AIG, HIG: 3-Year RORE % Comparison
For the Insurance - Diversified subindustry, Vienna Insurance Group AG'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.
Vienna Insurance Group AG 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Vienna Insurance Group AG's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Vienna Insurance Group AG'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.
Vienna Insurance Group AG (HAM:WSV2) has a 3-Year RORE % of 18.94 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 Vienna Insurance Group AG and its competitors. According to the industry distribution chart, Vienna Insurance Group AG ranks #192 out of 474 companies in the Insurance industry, placing it in the top 40.5%.
Is Vienna Insurance Group AG's 3-Year RORE % too high?
Vienna Insurance Group AG's current 3-Year RORE % is 18.94. The Insurance industry median 3-Year RORE % is 11.87. Vienna Insurance Group AG's value of 18.94 is 59.6% above this industry median. Based on the distribution chart, Vienna Insurance Group AG ranks #192 out of 474 companies in the Insurance industry, which is above the industry midpoint. Overall, Vienna Insurance Group AG has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Vienna Insurance Group AG's 3-Year RORE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Vienna Insurance Group AG ranks #192 out of 474 companies for 3-Year RORE %. This puts Vienna Insurance Group AG in the upper half of its industry. The industry median 3-Year RORE % is 11.87. Vienna Insurance Group AG's value of 18.94 is 59.6% above 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 11.87, 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. Vienna Insurance Group AG's current 3-Year RORE % of 18.94 is 59.6% above 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 Vienna Insurance Group AG and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vienna Insurance Group AG's current 3-Year RORE % is 18.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vienna Insurance Group AG stock overvalued right now?
Based on GuruFocus' analysis, Vienna Insurance Group AG (HAM:WSV2) is currently considered Significantly Overvalued. The stock's GF Value™ is €38.12, compared to a current price of €66.70 — trading 75% above its estimated fair value. The current 3-Year RORE % is 18.94 and 59.6% above the Insurance industry median of 11.87. Vienna Insurance Group AG's overall GF Score™ is 73/100 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 Vienna Insurance Group AG (HAM:WSV2), the current 3-Year RORE % is 18.94 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 Vienna Insurance Group AG (HAM:WSV2) Overvalued in 2026?
Based on GuruFocus' analysis, Vienna Insurance Group AG stock appears to be overvalued.
The current stock price of €66.70 is trading 75% above its estimated GF Value™ of €38.12.
GuruFocus considers Vienna Insurance Group AG to be Significantly Overvalued.
Key valuation signals for HAM:WSV2:
3-Year RORE %: 18.94
GF Value™: €38.12 vs. price of €66.70 (75% above fair value)
Industry Position: 59.6% above the Insurance median (#192 of 474)
No single metric tells the full story. See the HAM:WSV2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vienna Insurance Group AG is a diversified insurance company that offers property and casualty, life, and health insurance products. The company maintains its goal of consolidating market leadership in Austria while taking advantage of the growth potential in Central and Eastern Europe. The company generates the majority of its revenue in Austria, followed by the Czech Republic and Poland.
73GF 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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