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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.
ICICI Lombard General Insurance Co's 3-Year RORE % for the quarter that ended in Jun. 2026 was 5.46%.
ICICI Lombard General Insurance Co (NSE:ICICIGI) 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.
ICICI Lombard General Insurance Co 3-Year RORE % Related Terms
ICICI Lombard General Insurance Co 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.
ICICI Lombard General Insurance Co 3-Year RORE % Chart
NSE:ICICIGI vs BRK.A, AIG, HIG: 3-Year RORE % Comparison
For the Insurance - Diversified subindustry, ICICI Lombard General Insurance Co'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.
ICICI Lombard General Insurance Co 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, ICICI Lombard General Insurance Co's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where ICICI Lombard General Insurance Co'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 Jun. 2026 and 3-year before.
ICICI Lombard General Insurance Co (NSE:ICICIGI) has a 3-Year RORE % of 5.46 as of Jun. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on ICICI Lombard General Insurance Co and its competitors. According to the industry distribution chart, ICICI Lombard General Insurance Co ranks #288 out of 479 companies in the Insurance industry, placing it in the top 60.1%.
Is ICICI Lombard General Insurance Co's 3-Year RORE % too high?
ICICI Lombard General Insurance Co's current 3-Year RORE % is 5.46. The Insurance industry median 3-Year RORE % is 11.70. ICICI Lombard General Insurance Co's value of 5.46 is 53.3% below this industry median. Based on the distribution chart, ICICI Lombard General Insurance Co ranks #288 out of 479 companies in the Insurance industry, which is below the industry midpoint. Overall, ICICI Lombard General Insurance Co has a GF Score™ of 92/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ICICI Lombard General Insurance Co's 3-Year RORE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, ICICI Lombard General Insurance Co ranks #288 out of 479 companies for 3-Year RORE %. This places ICICI Lombard General Insurance Co in the lower half of its industry. The industry median 3-Year RORE % is 11.70. ICICI Lombard General Insurance Co's value of 5.46 is 53.3% 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 479 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. ICICI Lombard General Insurance Co's current 3-Year RORE % of 5.46 is 53.3% 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 ICICI Lombard General Insurance Co 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. ICICI Lombard General Insurance Co's current 3-Year RORE % is 5.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ICICI Lombard General Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, ICICI Lombard General Insurance Co (NSE:ICICIGI) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹2,134.35, compared to a current price of ₹1,643.50 — trading 23% below its estimated fair value. The current 3-Year RORE % is 5.46 and 53.3% below the Insurance industry median of 11.70. ICICI Lombard General Insurance Co's overall GF Score™ is 92/100. 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 ICICI Lombard General Insurance Co (NSE:ICICIGI), the current 3-Year RORE % is 5.46 as of Jun. 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 ICICI Lombard General Insurance Co (NSE:ICICIGI) Overvalued in 2026?
Based on GuruFocus' analysis, ICICI Lombard General Insurance Co stock appears to be undervalued.
The current stock price of ₹1,643.50 is trading 23% below its estimated GF Value™ of ₹2,134.35.
GuruFocus considers ICICI Lombard General Insurance Co to be Modestly Undervalued.
Key valuation signals for NSE:ICICIGI:
3-Year RORE %: 5.46
GF Value™: ₹2,134.35 vs. price of ₹1,643.50 (23% below fair value)
Industry Position: 53.3% below the Insurance median (#288 of 479)
No single metric tells the full story. See the NSE:ICICIGI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ICICI Lombard General Insurance Co Ltd is a general insurance company. Its business segment include Fire; Marine Cargo; Marine, Marine Others, Motor-OD, Motor-TP, Health Insurance, and Personal Accident. The company products include Motor Insurance; Car Insurance; Two Wheeler Insurance; Health Insurance; Complete Health Insurance; Health Booster; Personal Accident Insurance; International Travel Insurance; Home Insurance; Marine Insurance; NRI Insurance Services; Business Insurance; third-party insurance; Crop Insurance and Rural Insurance. Geographically, it operates only in India.
92GF Score
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