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Ray Sigorta ASIST:RAYSG +1.93%36 3-Year RORE % is 24.40 as of Mar. 2026. GuruFocus rates IST:RAYSG with a GF Score™ of 36/100. Among 472 Insurance companies, Ray Sigorta AS ranks better than 67.37% 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.
Ray Sigorta AS's 3-Year RORE % for the quarter that ended in Mar. 2026 was 24.40%.
The industry rank for Ray Sigorta AS's 3-Year RORE % or its related term are showing as below:
IST:RAYSG's 3-Year RORE % is ranked better than 67.37% of 472
companies
in the Insurance industry
Industry Median: 11.57
vs IST:RAYSG: 24.40
Ray Sigorta AS (IST:RAYSG) 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.
Ray Sigorta AS 3-Year RORE % Related Terms
Ray Sigorta AS 3-Year RORE % Historical Data
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The historical data trend for Ray Sigorta AS'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.
IST:RAYSG vs BRK.A, AIG, HIG: 3-Year RORE % Comparison
For the Insurance - Diversified subindustry, Ray Sigorta AS'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.
Ray Sigorta AS 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Ray Sigorta AS's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Ray Sigorta AS'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.
Ray Sigorta AS (IST:RAYSG) has a 3-Year RORE % of 24.40 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 Ray Sigorta AS and its competitors. According to the industry distribution chart, Ray Sigorta AS ranks #154 out of 472 companies in the Insurance industry, placing it in the top 32.6%.
Is Ray Sigorta AS's 3-Year RORE % too high?
Ray Sigorta AS's current 3-Year RORE % is 24.40. The Insurance industry median 3-Year RORE % is 11.57. Ray Sigorta AS's value of 24.40 is 110.9% above this industry median. Based on the distribution chart, Ray Sigorta AS ranks #154 out of 472 companies in the Insurance industry, which is above the industry midpoint. Overall, Ray Sigorta AS has a GF Score™ of 36/100, reflecting its overall financial health beyond just this single metric.
How does Ray Sigorta AS's 3-Year RORE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Ray Sigorta AS ranks #154 out of 472 companies for 3-Year RORE %. This puts Ray Sigorta AS in the upper half of its industry. The industry median 3-Year RORE % is 11.57. Ray Sigorta AS's value of 24.40 is 110.9% 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 11.57, based on 472 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. Ray Sigorta AS's current 3-Year RORE % of 24.40 is 110.9% 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 Ray Sigorta AS and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ray Sigorta AS's current 3-Year RORE % is 24.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ray Sigorta AS stock overvalued right now?
Ray Sigorta AS (IST:RAYSG) has a current 3-Year RORE % of 24.40. The current 3-Year RORE % is 24.40 and 110.9% above the Insurance industry median of 11.57. Ray Sigorta AS's overall GF Score™ is 36/100. 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 Ray Sigorta AS (IST:RAYSG), the current 3-Year RORE % is 24.40 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.
Ray Sigorta AS is a Turkey-based insurance company. It offers motor, household and health insurances. The motor insurance covers accidents such as the collision of the car with other motor or no-motor vehicles used on the road or railroad. Its household insurance secures house and goods against many risks such as fire, robbery, earthquake, and floods. The health insurance product consists of emergency health insurance, complementary health insurance, health insurance for foreigners and travel health insurance. Additionally, it also provides contracted health institutions and contracted auto services.
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