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.
PICC Property and Casualty Co's 3-Year RORE % for the quarter that ended in Dec. 2025 was 0.00%.
PPCCF's 3-Year RORE % is not ranked *
in the Insurance industry.
Industry Median: 11.7 * Ranked among companies with meaningful 3-Year RORE % only.
PICC Property and Casualty Co (OTCPK:PPCCF) 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.
PICC Property and Casualty Co 3-Year RORE % Related Terms
PICC Property and Casualty 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.
For the Insurance - Property & Casualty subindustry, PICC Property and Casualty 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.
PICC Property and Casualty Co 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, PICC Property and Casualty Co's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where PICC Property and Casualty 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 Dec. 2025 and 3-year before.
PICC Property and Casualty Co (PPCCF) has a 3-Year RORE % of 0.00 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 PICC Property and Casualty Co and its competitors. According to the industry distribution chart, PICC Property and Casualty Co ranks #999999 out of 475 companies in the Insurance industry.
Is PICC Property and Casualty Co's 3-Year RORE % too high?
PICC Property and Casualty Co's current 3-Year RORE % is 0.00. Based on the distribution chart, PICC Property and Casualty Co ranks #999999 out of 475 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, PICC Property and Casualty Co has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does PICC Property and Casualty Co's 3-Year RORE % compare to CB and PGR?
According to the Insurance industry distribution chart, PICC Property and Casualty Co ranks #999999 out of 475 companies for 3-Year RORE %. This places PICC Property and Casualty Co in the lower half of its industry. The industry median 3-Year RORE % is 11.70. 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 475 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 PICC Property and Casualty 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. PICC Property and Casualty Co's current 3-Year RORE % is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PICC Property and Casualty Co stock overvalued right now?
PICC Property and Casualty Co (PPCCF) has a current 3-Year RORE % of 0.00. The stock's GF Value™ is $1.82, compared to a current price of $1.96 — trading 7.7% above its estimated fair value. The current 3-Year RORE % is 0.00. PICC Property and Casualty Co's overall GF Score™ is 77/100 with 1 warning sign 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 PICC Property and Casualty Co (PPCCF), the current 3-Year RORE % is 0.00 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 PICC Property and Casualty Co (PPCCF) Overvalued in 2026?
Based on GuruFocus' analysis, PICC Property and Casualty Co stock appears to be overvalued.
The current stock price of $1.96 is trading 7.7% above its estimated GF Value™ of $1.82.
Key valuation signals for PPCCF:
3-Year RORE %: 0.00
GF Value™: $1.82 vs. price of $1.96 (7.7% above fair value)
No single metric tells the full story. See the PPCCF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PICC Property and Casualty Co Business Description
PICC P&C is headquartered in Beijing. The company is China's largest nonlife insurer, commanding nearly 33% domestic market share. Founded by the People's Bank of China in 1949, PICC P&C operates as the flagship subsidiary of PICC Group—a state-owned insurance holding company that retains a 69% equity stake. The company underwrites a comprehensive suite of nonlife insurance products spanning auto, commercial property, liability, credit and surety, accident and health, energy and aerospace, and agricultural lines.
77GF Score
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