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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.
EFU Life Assurance's 3-Year RORE % for the quarter that ended in Mar. 2026 was -9.53%.
The industry rank for EFU Life Assurance's 3-Year RORE % or its related term are showing as below:
KAR:EFUL's 3-Year RORE % is ranked worse than 72.84% of 475
companies
in the Insurance industry
Industry Median: 11.27
vs KAR:EFUL: -9.53
EFU Life Assurance (KAR:EFUL) 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.
EFU Life Assurance 3-Year RORE % Related Terms
EFU Life Assurance 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for EFU Life Assurance'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.
KAR:EFUL vs BRK.A, AIG, HIG: 3-Year RORE % Comparison
For the Insurance - Diversified subindustry, EFU Life Assurance'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.
EFU Life Assurance 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU Life Assurance's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where EFU Life Assurance'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.
EFU Life Assurance (KAR:EFUL) has a 3-Year RORE % of -9.53 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 EFU Life Assurance and its competitors. According to the industry distribution chart, EFU Life Assurance ranks #346 out of 475 companies in the Insurance industry, placing it in the top 72.8%.
Is EFU Life Assurance's 3-Year RORE % too high?
EFU Life Assurance's current 3-Year RORE % is -9.53. Based on the distribution chart, EFU Life Assurance ranks #346 out of 475 companies in the Insurance industry, which is below the industry midpoint. Overall, EFU Life Assurance has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does EFU Life Assurance's 3-Year RORE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, EFU Life Assurance ranks #346 out of 475 companies for 3-Year RORE %. This places EFU Life Assurance in the lower half of its industry. The industry median 3-Year RORE % is 11.27. 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 11.27, based on 475 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 EFU Life Assurance and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU Life Assurance's current 3-Year RORE % is -9.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EFU Life Assurance stock overvalued right now?
Based on GuruFocus' analysis, EFU Life Assurance (KAR:EFUL) is currently considered Modestly Undervalued. The stock's GF Value™ is ₨180.40, compared to a current price of ₨153.60 — trading 14.9% below its estimated fair value. The current 3-Year RORE % is -9.53. EFU Life Assurance'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 EFU Life Assurance (KAR:EFUL), the current 3-Year RORE % is -9.53 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 EFU Life Assurance (KAR:EFUL) Overvalued in 2026?
Based on GuruFocus' analysis, EFU Life Assurance stock appears to be undervalued.
The current stock price of ₨153.60 is trading 14.9% below its estimated GF Value™ of ₨180.40.
GuruFocus considers EFU Life Assurance to be Modestly Undervalued.
Key valuation signals for KAR:EFUL:
3-Year RORE %: -9.53
GF Value™: ₨180.40 vs. price of ₨153.60 (14.9% below fair value)
No single metric tells the full story. See the KAR:EFUL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
EFU Life Assurance Ltd is an insurance company that operates as a life and health insurer and a family takaful operator, positioning itself as a provider of comprehensive protection, savings, wellbeing, and retirement solutions. Its products and services include life insurance, savings and investment plans, health and wellness solutions, retirement and pension offerings, and Shariah-compliant takaful products, catering to individuals, families, and corporate clients. The company operates across key business segments, including individual life, group life, health, and family takaful, along with digital and inclusive insurance initiatives.
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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