LifeStar InsuranceMAL:LSI 17 3-Year RORE % is 86.96 as of Dec. 2025. GuruFocus rates MAL:LSI with a GF Score™ of 17/100. The stock has 6 warning signs investors should review. Among 476 Insurance companies, LifeStar Insurance ranks better than 92.65% 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.
LifeStar Insurance's 3-Year RORE % for the quarter that ended in Dec. 2025 was 86.96%.
The industry rank for LifeStar Insurance's 3-Year RORE % or its related term are showing as below:
MAL:LSI's 3-Year RORE % is ranked better than 92.65% of 476
companies
in the Insurance industry
Industry Median: 11.865
vs MAL:LSI: 86.96
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.
LifeStar Insurance 3-Year RORE % Related Terms
LifeStar Insurance 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for LifeStar Insurance'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.
MAL:LSI vs AFL, MET, PRU: 3-Year RORE % Comparison
For the Insurance - Life subindustry, LifeStar Insurance'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.
LifeStar Insurance 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, LifeStar Insurance's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where LifeStar Insurance'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.
LifeStar Insurance (MAL:LSI) has a 3-Year RORE % of 86.96 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 LifeStar Insurance and its competitors. According to the industry distribution chart, LifeStar Insurance ranks #35 out of 476 companies in the Insurance industry, placing it in the top 7.4%.
Is LifeStar Insurance's 3-Year RORE % too high?
LifeStar Insurance's current 3-Year RORE % is 86.96. The Insurance industry median 3-Year RORE % is 11.87. LifeStar Insurance's value of 86.96 is 632.9% above this industry median. Based on the distribution chart, LifeStar Insurance ranks #35 out of 476 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, LifeStar Insurance has a GF Score™ of 17/100, reflecting its overall financial health beyond just this single metric.
How does LifeStar Insurance's 3-Year RORE % compare to AFL and MET?
According to the Insurance industry distribution chart, LifeStar Insurance ranks #35 out of 476 companies for 3-Year RORE %. This places LifeStar Insurance in the top 7% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 11.87. LifeStar Insurance's value of 86.96 is 632.9% 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 11.87, based on 476 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. LifeStar Insurance's current 3-Year RORE % of 86.96 is 632.9% 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 LifeStar Insurance and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LifeStar Insurance's current 3-Year RORE % is 86.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LifeStar Insurance stock overvalued right now?
LifeStar Insurance (MAL:LSI) has a current 3-Year RORE % of 86.96. The current 3-Year RORE % is 86.96 and 632.9% above the Insurance industry median of 11.87. LifeStar Insurance's overall GF Score™ is 17/100 with 6 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 LifeStar Insurance (MAL:LSI), the current 3-Year RORE % is 86.96 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.
LifeStar Insurance PLC is a provider of insurance products in Malta offering customers a comprehensive range of protection, savings and investment and retirement life insurance products. Its products are classified under Protection, Savings and Investment, Retirement, and Health products. The company has it's geographical concentration in Italy and Malta regions.
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