Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
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.
Menora Mivtachim Holdings's 3-Year RORE % for the quarter that ended in Mar. 2026 was 45.04%.
The industry rank for Menora Mivtachim Holdings's 3-Year RORE % or its related term are showing as below:
MNRHF's 3-Year RORE % is ranked better than 83.51% of 473
companies
in the Insurance industry
Industry Median: 11.46
vs MNRHF: 45.04
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.
Menora Mivtachim Holdings 3-Year RORE % Related Terms
Menora Mivtachim Holdings 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.
For the Insurance - Life subindustry, Menora Mivtachim 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.
Menora Mivtachim Holdings 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Menora Mivtachim Holdings's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Menora Mivtachim 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 Mar. 2026 and 3-year before.
Menora Mivtachim Holdings (MNRHF) has a 3-Year RORE % of 45.04 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 Menora Mivtachim Holdings and its competitors. According to the industry distribution chart, Menora Mivtachim Holdings ranks #78 out of 473 companies in the Insurance industry, placing it in the top 16.5%.
Is Menora Mivtachim Holdings' 3-Year RORE % too high?
Menora Mivtachim Holdings' current 3-Year RORE % is 45.04. The Insurance industry median 3-Year RORE % is 11.46. Menora Mivtachim Holdings' value of 45.04 is 293% above this industry median. Based on the distribution chart, Menora Mivtachim Holdings ranks #78 out of 473 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Menora Mivtachim Holdings has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Menora Mivtachim Holdings' 3-Year RORE % compare to AFL and MET?
According to the Insurance industry distribution chart, Menora Mivtachim Holdings ranks #78 out of 473 companies for 3-Year RORE %. This places Menora Mivtachim Holdings in the top 17% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 11.46. Menora Mivtachim Holdings' value of 45.04 is 293% 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 11.46, based on 473 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. Menora Mivtachim Holdings's current 3-Year RORE % of 45.04 is 293% 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 Menora Mivtachim Holdings and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Menora Mivtachim Holdings's current 3-Year RORE % is 45.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Menora Mivtachim Holdings stock overvalued right now?
Menora Mivtachim Holdings (MNRHF) has a current 3-Year RORE % of 45.04. The stock's GF Value™ is $9.46, compared to a current price of $25.05 — trading 164.8% above its estimated fair value. The current 3-Year RORE % is 45.04 and 293% above the Insurance industry median of 11.46. Menora Mivtachim Holdings' overall GF Score™ is 65/100 with 3 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 Menora Mivtachim Holdings (MNRHF), the current 3-Year RORE % is 45.04 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 Menora Mivtachim Holdings (MNRHF) Overvalued in 2026?
Based on GuruFocus' analysis, Menora Mivtachim Holdings stock appears to be overvalued.
The current stock price of $25.05 is trading 164.8% above its estimated GF Value™ of $9.46.
Key valuation signals for MNRHF:
3-Year RORE %: 45.04
GF Value™: $9.46 vs. price of $25.05 (164.8% above fair value)
Industry Position: 293% above the Insurance median (#78 of 473)
No single metric tells the full story. See the MNRHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Menora Mivtachim Holdings Ltd is a diversified insurance and finance group that operates in Israel. The company specializes in asset management and diversified insurance services, including general, life, and health insurance. Menora is also active within the capital market in a variety of fields, including corporate finance, investment banking, structured finance, and more. The company offers a broad variety of mutual funds that invest in various avenues in Israel and around the world, while also managing pension products and provident funds. The company's operating segments include Life insurance and long-term savings, focusing on policies, pension, and provident funds for death and disability risks, the Health insurance segment, and the Property and casualty insurance segment.
65GF Score
Get the complete analysis for MNRHF
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MNRHF has been successfully added to your 
