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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.
Dhofar Insurance CoOG's 3-Year RORE % for the quarter that ended in Dec. 2025 was -14.56%.
The industry rank for Dhofar Insurance CoOG's 3-Year RORE % or its related term are showing as below:
MUS:DICS's 3-Year RORE % is ranked worse than 76.48% of 472
companies
in the Insurance industry
Industry Median: 12.05
vs MUS:DICS: -14.56
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.
Dhofar Insurance CoOG 3-Year RORE % Related Terms
Dhofar Insurance CoOG 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Dhofar Insurance CoOG'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.
MUS:DICS vs BRK.A, AIG, HIG: 3-Year RORE % Comparison
For the Insurance - Diversified subindustry, Dhofar Insurance CoOG'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.
Dhofar Insurance CoOG 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Dhofar Insurance CoOG's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Dhofar Insurance CoOG'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.
Dhofar Insurance CoOG (MUS:DICS) has a 3-Year RORE % of -14.56 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 Dhofar Insurance CoOG and its competitors. According to the industry distribution chart, Dhofar Insurance CoOG ranks #361 out of 472 companies in the Insurance industry, placing it in the top 76.5%.
Is Dhofar Insurance CoOG's 3-Year RORE % too high?
Dhofar Insurance CoOG's current 3-Year RORE % is -14.56. Based on the distribution chart, Dhofar Insurance CoOG ranks #361 out of 472 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Dhofar Insurance CoOG has a GF Score™ of 37/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Dhofar Insurance CoOG's 3-Year RORE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Dhofar Insurance CoOG ranks #361 out of 472 companies for 3-Year RORE %. This places Dhofar Insurance CoOG in the lower half of its industry. The industry median 3-Year RORE % is 12.05. 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 472 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 Dhofar Insurance CoOG 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. Dhofar Insurance CoOG's current 3-Year RORE % is -14.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dhofar Insurance CoOG stock overvalued right now?
Based on GuruFocus' analysis, Dhofar Insurance CoOG (MUS:DICS) is currently considered Modestly Overvalued. The stock's GF Value™ is ر.ع0.27, compared to a current price of ر.ع0.34 — trading 25.9% above its estimated fair value. The current 3-Year RORE % is -14.56. Dhofar Insurance CoOG's overall GF Score™ is 37/100 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 Dhofar Insurance CoOG (MUS:DICS), the current 3-Year RORE % is -14.56 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 Dhofar Insurance CoOG (MUS:DICS) Overvalued in 2026?
Based on GuruFocus' analysis, Dhofar Insurance CoOG stock appears to be overvalued.
The current stock price of ر.ع0.34 is trading 25.9% above its estimated GF Value™ of ر.ع0.27.
GuruFocus considers Dhofar Insurance CoOG to be Modestly Overvalued.
Key valuation signals for MUS:DICS:
3-Year RORE %: -14.56
GF Value™: ر.ع0.27 vs. price of ر.ع0.34 (25.9% above fair value)
No single metric tells the full story. See the MUS:DICS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dhofar Insurance Co SAOG is engaged in undertaking the business of insurance (general and life). Its product portfolio includes Motor Insurance, Life Insurance, Medical Insurance, Travel Insurance, Home Contents Insurance, Property Insurance, Liability Insurance, Marine Insurance, Cyber Insurance, Energy Insurance, Industrial Insurance, Engineering Insurance, Oil and Petrochemical Insurance, Personal Accident Insurance, and Workmen's Compensation Insurance. Its segments include Engineering, Fire Marine cargo, Marine hull, Motor, Miscellaneous, Medical, Group life, and Individual life. It derives the majority of revenue from the provision of Motor insurance services in Oman.
37GF Score
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