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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.
Gulf Insurance Group KSC's 3-Year RORE % for the quarter that ended in Mar. 2026 was 37.38%.
The industry rank for Gulf Insurance Group KSC's 3-Year RORE % or its related term are showing as below:
KUW:GINS's 3-Year RORE % is ranked better than 79.19% of 471
companies
in the Insurance industry
Industry Median: 11.68
vs KUW:GINS: 37.38
Gulf Insurance Group KSC (KUW:GINS) 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.
Gulf Insurance Group KSC 3-Year RORE % Related Terms
Gulf Insurance Group KSC 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.
KUW:GINS vs CB, PGR, TRV: 3-Year RORE % Comparison
For the Insurance - Property & Casualty subindustry, Gulf Insurance Group KSC'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.
Gulf Insurance Group KSC 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Gulf Insurance Group KSC's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Gulf Insurance Group KSC'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.
Gulf Insurance Group KSC (KUW:GINS) has a 3-Year RORE % of 37.38 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 Gulf Insurance Group KSC and its competitors. According to the industry distribution chart, Gulf Insurance Group KSC ranks #98 out of 471 companies in the Insurance industry, placing it in the top 20.8%.
Is Gulf Insurance Group KSC's 3-Year RORE % too high?
Gulf Insurance Group KSC's current 3-Year RORE % is 37.38. The Insurance industry median 3-Year RORE % is 11.68. Gulf Insurance Group KSC's value of 37.38 is 220% above this industry median. Based on the distribution chart, Gulf Insurance Group KSC ranks #98 out of 471 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Gulf Insurance Group KSC has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Gulf Insurance Group KSC's 3-Year RORE % compare to CB and PGR?
According to the Insurance industry distribution chart, Gulf Insurance Group KSC ranks #98 out of 471 companies for 3-Year RORE %. This places Gulf Insurance Group KSC in the top 21% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 11.68. Gulf Insurance Group KSC's value of 37.38 is 220% 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 11.68, 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. Gulf Insurance Group KSC's current 3-Year RORE % of 37.38 is 220% 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 Gulf Insurance Group KSC 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. Gulf Insurance Group KSC's current 3-Year RORE % is 37.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Gulf Insurance Group KSC stock overvalued right now?
Based on GuruFocus' analysis, Gulf Insurance Group KSC (KUW:GINS) is currently considered Fairly Valued. The stock's GF Value™ is KWD1.13, compared to a current price of KWD1.20 — trading 6.2% above its estimated fair value. The current 3-Year RORE % is 37.38 and 220% above the Insurance industry median of 11.68. Gulf Insurance Group KSC's overall GF Score™ is 66/100 with 2 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 Gulf Insurance Group KSC (KUW:GINS), the current 3-Year RORE % is 37.38 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 Gulf Insurance Group KSC (KUW:GINS) Overvalued in 2026?
Based on GuruFocus' analysis, Gulf Insurance Group KSC stock appears to be overvalued.
The current stock price of KWD1.20 is trading 6.2% above its estimated GF Value™ of KWD1.13.
GuruFocus considers Gulf Insurance Group KSC to be Fairly Valued.
Key valuation signals for KUW:GINS:
3-Year RORE %: 37.38
GF Value™: KWD1.13 vs. price of KWD1.20 (6.2% above fair value)
Industry Position: 220% above the Insurance median (#98 of 471)
No single metric tells the full story. See the KUW:GINS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Gulf Insurance Group KSC is an insurance company offering solutions and covering a range of risks related to Motor, Marine & Aviation, Property & Casualty, and Life & Health Insurance, both in a conventional and Takaful (Islamic insurance based on Shariah principles) basis. Gulf Insurance operates its business in two segments, namely General risk insurance and Life and medical insurance, offering general insurance including marine and aviation, motor vehicles, property, engineering and general accidents; and savings, protection products, and other long-term contracts respectively.
66GF Score
Get the complete analysis for KUW:GINS
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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