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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.
Munchener Ruckversicherungs-Gesellschaft AG's 3-Year RORE % for the quarter that ended in Mar. 2026 was 14.60%.
LTS:0KFE's 3-Year RORE % is ranked better than 53.62% of 470
companies
in the Insurance industry
Industry Median: 12.05
vs LTS:0KFE: 14.60
Munchener Ruckversicherungs-Gesellschaft AG (LTS:0KFE) 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.
Munchener Ruckversicherungs-Gesellschaft AG 3-Year RORE % Related Terms
Munchener Ruckversicherungs-Gesellschaft 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.
Munchener Ruckversicherungs-Gesellschaft AG 3-Year RORE % Chart
Munchener Ruckversicherungs-Gesellschaft AG Annual Data
LTS:0KFE vs RGA, EG, RNR: 3-Year RORE % Comparison
For the Insurance - Reinsurance subindustry, Munchener Ruckversicherungs-Gesellschaft 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.
Munchener Ruckversicherungs-Gesellschaft AG 3-Year RORE % vs Insurance Industry
* 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.
Munchener Ruckversicherungs-Gesellschaft AG (LTS:0KFE) has a 3-Year RORE % of 14.60 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 Munchener Ruckversicherungs-Gesellschaft AG and its competitors. According to the industry distribution chart, Munchener Ruckversicherungs-Gesellschaft AG ranks #218 out of 470 companies in the Insurance industry, placing it in the top 46.4%.
Is Munchener Ruckversicherungs-Gesellschaft AG's 3-Year RORE % too high?
Munchener Ruckversicherungs-Gesellschaft AG's current 3-Year RORE % is 14.60. The Insurance industry median 3-Year RORE % is 12.05. Munchener Ruckversicherungs-Gesellschaft AG's value of 14.60 is 21.2% above this industry median. Based on the distribution chart, Munchener Ruckversicherungs-Gesellschaft AG ranks #218 out of 470 companies in the Insurance industry, which is above the industry midpoint. Overall, Munchener Ruckversicherungs-Gesellschaft AG has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Munchener Ruckversicherungs-Gesellschaft AG's 3-Year RORE % compare to RGA and EG?
According to the Insurance industry distribution chart, Munchener Ruckversicherungs-Gesellschaft AG ranks #218 out of 470 companies for 3-Year RORE %. This puts Munchener Ruckversicherungs-Gesellschaft AG in the upper half of its industry. The industry median 3-Year RORE % is 12.05. Munchener Ruckversicherungs-Gesellschaft AG's value of 14.60 is 21.2% 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 12.05, based on 470 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. Munchener Ruckversicherungs-Gesellschaft AG's current 3-Year RORE % of 14.60 is 21.2% 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 Munchener Ruckversicherungs-Gesellschaft AG and its competitors. For the Insurance industry, the median 3-Year RORE % is 12.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Munchener Ruckversicherungs-Gesellschaft AG's current 3-Year RORE % is 14.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Munchener Ruckversicherungs-Gesellschaft AG stock overvalued right now?
Based on GuruFocus' analysis, Munchener Ruckversicherungs-Gesellschaft AG (LTS:0KFE) is currently considered Modestly Undervalued. The stock's GF Value™ is €561.44, compared to a current price of €505.40 — trading 10% below its estimated fair value. The current 3-Year RORE % is 14.60 and 21.2% above the Insurance industry median of 12.05. Munchener Ruckversicherungs-Gesellschaft AG's overall GF Score™ is 66/100 with 1 warning sign 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 Munchener Ruckversicherungs-Gesellschaft AG (LTS:0KFE), the current 3-Year RORE % is 14.60 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 Munchener Ruckversicherungs-Gesellschaft AG (LTS:0KFE) Overvalued in 2026?
Based on GuruFocus' analysis, Munchener Ruckversicherungs-Gesellschaft AG stock appears to be undervalued.
The current stock price of €505.40 is trading 10% below its estimated GF Value™ of €561.44.
GuruFocus considers Munchener Ruckversicherungs-Gesellschaft AG to be Modestly Undervalued.
Key valuation signals for LTS:0KFE:
3-Year RORE %: 14.60
GF Value™: €561.44 vs. price of €505.40 (10% below fair value)
Industry Position: 21.2% above the Insurance median (#218 of 470)
No single metric tells the full story. See the LTS:0KFE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Munchener Ruckversicherungs-Gesellschaft AG Business Description
Munich Re was founded in 1880 by Carl Thieme amid a flurry of other reinsurance companies set up independent of primaries. In those early days, most reinsurers typically focused on a few strong customers. Thieme focused on a broader set of cedents to drive stronger growth in premiums. This coincided with a strategy of risk diversification and a preference to partner rather than take on a one-sided transfer of risk. In the 1890s, Munich Re introduced the first machinery insurance. After Thieme and Wilhelm von Fink founded Allianz, this was the main channel to sell machinery insurance. We believe the approach of partnering with insurers and preferring to avoid one-sided risk, in conjunction with combining inspection and insurance services, remains at the heart of the firm.
66GF Score
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