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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.
SBI Life Insurance Co's 3-Year RORE % for the quarter that ended in Jun. 2026 was 8.98%.
The industry rank for SBI Life Insurance Co's 3-Year RORE % or its related term are showing as below:
NSE:SBILIFE's 3-Year RORE % is ranked worse than 53.14% of 478
companies
in the Insurance industry
Industry Median: 11.01
vs NSE:SBILIFE: 8.98
SBI Life Insurance Co (NSE:SBILIFE) 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.
SBI Life Insurance Co 3-Year RORE % Related Terms
SBI Life Insurance Co 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for SBI Life Insurance Co'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.
NSE:SBILIFE vs AFL, MET, PRU: 3-Year RORE % Comparison
For the Insurance - Life subindustry, SBI Life 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.
SBI Life Insurance Co 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, SBI Life Insurance Co's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where SBI Life 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.
SBI Life Insurance Co (NSE:SBILIFE) has a 3-Year RORE % of 8.98 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 SBI Life Insurance Co and its competitors. According to the industry distribution chart, SBI Life Insurance Co ranks #254 out of 478 companies in the Insurance industry, placing it in the top 53.1%.
Is SBI Life Insurance Co's 3-Year RORE % too high?
SBI Life Insurance Co's current 3-Year RORE % is 8.98. The Insurance industry median 3-Year RORE % is 11.01. SBI Life Insurance Co's value of 8.98 is 18.4% below this industry median. Based on the distribution chart, SBI Life Insurance Co ranks #254 out of 478 companies in the Insurance industry, which is below the industry midpoint. Overall, SBI Life Insurance Co has a GF Score™ of 86/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SBI Life Insurance Co's 3-Year RORE % compare to AFL and MET?
According to the Insurance industry distribution chart, SBI Life Insurance Co ranks #254 out of 478 companies for 3-Year RORE %. This places SBI Life Insurance Co in the lower half of its industry. The industry median 3-Year RORE % is 11.01. SBI Life Insurance Co's value of 8.98 is 18.4% 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 11.01, 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. SBI Life Insurance Co's current 3-Year RORE % of 8.98 is 18.4% 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 SBI Life Insurance Co and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Life Insurance Co's current 3-Year RORE % is 8.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBI Life Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, SBI Life Insurance Co (NSE:SBILIFE) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹2,068.67, compared to a current price of ₹1,855.50 — trading 10.3% below its estimated fair value. The current 3-Year RORE % is 8.98 and 18.4% below the Insurance industry median of 11.01. SBI Life Insurance Co's overall GF Score™ is 86/100 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 SBI Life Insurance Co (NSE:SBILIFE), the current 3-Year RORE % is 8.98 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 SBI Life Insurance Co (NSE:SBILIFE) Overvalued in 2026?
Based on GuruFocus' analysis, SBI Life Insurance Co stock appears to be undervalued.
The current stock price of ₹1,855.50 is trading 10.3% below its estimated GF Value™ of ₹2,068.67.
GuruFocus considers SBI Life Insurance Co to be Modestly Undervalued.
Key valuation signals for NSE:SBILIFE:
3-Year RORE %: 8.98
GF Value™: ₹2,068.67 vs. price of ₹1,855.50 (10.3% below fair value)
Industry Position: 18.4% below the Insurance median (#254 of 478)
No single metric tells the full story. See the NSE:SBILIFE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SBI Life Insurance Co Ltd is a life insurance company in India. The company offers insurance products for individuals and groups, including Poorna Suraksha, Sampoorn Cancer Suraksha, eShield, CapAssure Gold, and others. The company has many products catering to various customer needs in the life, health, pension, and micro-insurance segments. The company operates through the following segments: Participating, Non-Participating, and Linked. The company derives the majority of its revenue from the Non-Participating segment, which includes endowment products, a variable insurance plan, an immediate annuity product, group protection products, and others.
86GF Score
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