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.
Lancashire Holdings's 3-Year RORE % for the quarter that ended in Dec. 2025 was -4.73%.
The industry rank for Lancashire Holdings's 3-Year RORE % or its related term are showing as below:
LCSHF's 3-Year RORE % is ranked worse than 71.16% of 475
companies
in the Insurance industry
Industry Median: 11.7
vs LCSHF: -4.73
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.
Lancashire Holdings 3-Year RORE % Related Terms
Lancashire Holdings 3-Year RORE % Historical Data
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The historical data trend for Lancashire Holdings'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.
For the Insurance - Specialty subindustry, Lancashire Holdings'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.
Lancashire Holdings 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Lancashire Holdings's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Lancashire Holdings'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.
Lancashire Holdings (LCSHF) has a 3-Year RORE % of -4.73 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 Lancashire Holdings and its competitors. According to the industry distribution chart, Lancashire Holdings ranks #338 out of 475 companies in the Insurance industry, placing it in the top 71.2%.
Is Lancashire Holdings' 3-Year RORE % too high?
Lancashire Holdings' current 3-Year RORE % is -4.73. Based on the distribution chart, Lancashire Holdings ranks #338 out of 475 companies in the Insurance industry, which is below the industry midpoint. Overall, Lancashire Holdings has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Lancashire Holdings' 3-Year RORE % compare to FNF and AXS?
According to the Insurance industry distribution chart, Lancashire Holdings ranks #338 out of 475 companies for 3-Year RORE %. This places Lancashire Holdings in the lower half of its industry. The industry median 3-Year RORE % is 11.70. 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 11.70, 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 Lancashire Holdings and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lancashire Holdings's current 3-Year RORE % is -4.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lancashire Holdings stock overvalued right now?
Based on GuruFocus' analysis, Lancashire Holdings (LCSHF) is currently considered Modestly Undervalued. The stock's GF Value™ is $10.93, compared to a current price of $8.40 — trading 23.1% below its estimated fair value. The current 3-Year RORE % is -4.73. Lancashire Holdings' overall GF Score™ is 77/100 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 Lancashire Holdings (LCSHF), the current 3-Year RORE % is -4.73 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 Lancashire Holdings (LCSHF) Overvalued in 2026?
Based on GuruFocus' analysis, Lancashire Holdings stock appears to be undervalued.
The current stock price of $8.40 is trading 23.1% below its estimated GF Value™ of $10.93.
GuruFocus considers Lancashire Holdings to be Modestly Undervalued.
Key valuation signals for LCSHF:
3-Year RORE %: -4.73
GF Value™: $10.93 vs. price of $8.40 (23.1% below fair value)
No single metric tells the full story. See the LCSHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lancashire Holdings Ltd is a provider of specialty reinsurance products with operations in London, Bermuda, the United States, and Australia. The company has two principal segments: reinsurance and insurance. The company generates the majority of its revenue from the Insurance segment. The Group's reinsurance segment comprises property reinsurance, specialty reinsurance, and casualty reinsurance. The insurance segment is usually written on a direct or facultative basis and comprises aviation insurance, casualty insurance, energy and marine insurance, property insurance, and specialty insurance. Geographically, the company generates the majority of its revenue from the United States and Canada.
77GF Score
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