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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.
Liberty Kenya Holdings's 3-Year RORE % for the quarter that ended in Dec. 2025 was -11.26%.
The industry rank for Liberty Kenya Holdings's 3-Year RORE % or its related term are showing as below:
NAI:LBTY's 3-Year RORE % is ranked worse than 75.73% of 478
companies
in the Insurance industry
Industry Median: 11.68
vs NAI:LBTY: -11.26
Liberty Kenya Holdings (NAI:LBTY) 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.
Liberty Kenya Holdings 3-Year RORE % Related Terms
Liberty Kenya 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.
NAI:LBTY vs BRK.A, AIG, HIG: 3-Year RORE % Comparison
For the Insurance - Diversified subindustry, Liberty Kenya 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.
Liberty Kenya Holdings 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Liberty Kenya Holdings's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Liberty Kenya 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.
Liberty Kenya Holdings (NAI:LBTY) has a 3-Year RORE % of -11.26 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 Liberty Kenya Holdings and its competitors. According to the industry distribution chart, Liberty Kenya Holdings ranks #362 out of 478 companies in the Insurance industry, placing it in the top 75.7%.
Is Liberty Kenya Holdings' 3-Year RORE % too high?
Liberty Kenya Holdings' current 3-Year RORE % is -11.26. Based on the distribution chart, Liberty Kenya Holdings ranks #362 out of 478 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Liberty Kenya Holdings has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Liberty Kenya Holdings' 3-Year RORE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Liberty Kenya Holdings ranks #362 out of 478 companies for 3-Year RORE %. This places Liberty Kenya Holdings in the lower half of its industry. The industry median 3-Year RORE % is 11.68. 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 11.68, based on 478 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 Liberty Kenya Holdings and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Liberty Kenya Holdings's current 3-Year RORE % is -11.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Liberty Kenya Holdings stock overvalued right now?
Based on GuruFocus' analysis, Liberty Kenya Holdings (NAI:LBTY) is currently considered Fairly Valued. The stock's GF Value™ is KES8.66, compared to a current price of KES9.18 — trading 6% above its estimated fair value. The current 3-Year RORE % is -11.26. Liberty Kenya Holdings' overall GF Score™ is 69/100 with 5 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 Liberty Kenya Holdings (NAI:LBTY), the current 3-Year RORE % is -11.26 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 Liberty Kenya Holdings (NAI:LBTY) Overvalued in 2026?
Based on GuruFocus' analysis, Liberty Kenya Holdings stock appears to be overvalued.
The current stock price of KES9.18 is trading 6% above its estimated GF Value™ of KES8.66.
GuruFocus considers Liberty Kenya Holdings to be Fairly Valued.
Key valuation signals for NAI:LBTY:
3-Year RORE %: -11.26
GF Value™: KES8.66 vs. price of KES9.18 (6% above fair value)
No single metric tells the full story. See the NAI:LBTY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Liberty Kenya Holdings Ltd is an insurance company. It offers long-term insurance products, financial products, and services to the retail and corporate markets. Its products include life insurance, health insurance, and short-term insurance. The group is organized into segments are Long-term business, General businesses, and Holding company. The company generates maximum of its revenue from General business segment.
69GF Score
Get the complete analysis for NAI:LBTY
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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