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.
NN Group NV's 3-Year RORE % for the quarter that ended in Dec. 2025 was 10.85%.
The industry rank for NN Group NV's 3-Year RORE % or its related term are showing as below:
NNGPF's 3-Year RORE % is ranked worse than 61.95% of 473
companies
in the Insurance industry
Industry Median: 11.7
vs NNGPF: 10.85
NN Group NV (OTCPK:NNGPF) 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.
NN Group NV 3-Year RORE % Related Terms
NN Group NV 3-Year RORE % Historical Data
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The historical data trend for NN Group NV'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.
NNGPF vs BRK.A, AIG, HIG: 3-Year RORE % Comparison
For the Insurance - Diversified subindustry, NN Group NV'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.
NN Group NV 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, NN Group NV's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where NN Group NV'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.
NN Group NV (NNGPF) has a 3-Year RORE % of 10.85 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 NN Group NV and its competitors. According to the industry distribution chart, NN Group NV ranks #293 out of 473 companies in the Insurance industry, placing it in the top 61.9%.
Is NN Group NV's 3-Year RORE % too high?
NN Group NV's current 3-Year RORE % is 10.85. The Insurance industry median 3-Year RORE % is 11.70. NN Group NV's value of 10.85 is 7.3% below this industry median. Based on the distribution chart, NN Group NV ranks #293 out of 473 companies in the Insurance industry, which is below the industry midpoint. Overall, NN Group NV has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NN Group NV's 3-Year RORE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, NN Group NV ranks #293 out of 473 companies for 3-Year RORE %. This places NN Group NV in the lower half of its industry. The industry median 3-Year RORE % is 11.70. NN Group NV's value of 10.85 is 7.3% below 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 11.70, 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. NN Group NV's current 3-Year RORE % of 10.85 is 7.3% below 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 NN Group NV and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NN Group NV's current 3-Year RORE % is 10.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NN Group NV stock overvalued right now?
Based on GuruFocus' analysis, NN Group NV (NNGPF) is currently considered Significantly Overvalued. The stock's GF Value™ is $59.87, compared to a current price of $87.53 — trading 46.2% above its estimated fair value. The current 3-Year RORE % is 10.85 and 7.3% below the Insurance industry median of 11.70. NN Group NV's overall GF Score™ is 53/100 with 11 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 NN Group NV (NNGPF), the current 3-Year RORE % is 10.85 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 NN Group NV (NNGPF) Overvalued in 2026?
Based on GuruFocus' analysis, NN Group NV stock appears to be overvalued.
The current stock price of $87.53 is trading 46.2% above its estimated GF Value™ of $59.87.
GuruFocus considers NN Group NV to be Significantly Overvalued.
Key valuation signals for NNGPF:
3-Year RORE %: 10.85
GF Value™: $59.87 vs. price of $87.53 (46.2% above fair value)
Industry Position: 7.3% below the Insurance median (#293 of 473)
No single metric tells the full story. See the NNGPF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NN Group is a European insurance company that primarily sells long-term savings in the Netherlands. The business is made up of four divisions: Netherlands life, Netherlands nonlife, insurance Europe, and Japan life. The Netherlands life business is the biggest division and tends to generate around three-quarters of operating income. That business sells traditional spread-based long-term savings and more modern defined-contribution savings. Since 2022, assets that are managed to support the traditional savings products and in-house part of defined-contribution products are managed by Goldman Sachs Asset Management. Since around 2013, NN has closed its domestic individual life insurance products to new business.
53GF Score
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