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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.
The Mediterranean and Gulf Insurance and Reinsurance Co's 3-Year RORE % for the quarter that ended in Mar. 2026 was -43.00%.
The Mediterranean and Gulf Insurance and Reinsurance Co (SAU:8030) 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.
The Mediterranean and Gulf Insurance and Reinsurance Co 3-Year RORE % Related Terms
The Mediterranean and Gulf Insurance and Reinsurance 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.
The Mediterranean and Gulf Insurance and Reinsurance Co 3-Year RORE % Chart
The Mediterranean and Gulf Insurance and Reinsurance Co Annual Data
* 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.
The Mediterranean and Gulf Insurance and Reinsurance Co 3-Year RORE % vs Insurance Industry
* 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 Mar. 2026 and 3-year before.
The Mediterranean and Gulf Insurance and Reinsurance Co (SAU:8030) has a 3-Year RORE % of -43.00 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on The Mediterranean and Gulf Insurance and Reinsurance Co and its competitors. According to the industry distribution chart, The Mediterranean and Gulf Insurance and Reinsurance Co ranks #405 out of 474 companies in the Insurance industry, placing it in the top 85.4%.
Is The Mediterranean and Gulf Insurance and Reinsurance Co's 3-Year RORE % too high?
The Mediterranean and Gulf Insurance and Reinsurance Co's current 3-Year RORE % is -43.00. Based on the distribution chart, The Mediterranean and Gulf Insurance and Reinsurance Co ranks #405 out of 474 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, The Mediterranean and Gulf Insurance and Reinsurance Co has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does The Mediterranean and Gulf Insurance and Reinsurance Co's 3-Year RORE % compare to AFL and MET?
According to the Insurance industry distribution chart, The Mediterranean and Gulf Insurance and Reinsurance Co ranks #405 out of 474 companies for 3-Year RORE %. This places The Mediterranean and Gulf Insurance and Reinsurance Co in the lower half of its industry. The industry median 3-Year RORE % is 11.32. 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 11.32, based on 474 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 The Mediterranean and Gulf Insurance and Reinsurance Co and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Mediterranean and Gulf Insurance and Reinsurance Co's current 3-Year RORE % is -43.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Mediterranean and Gulf Insurance and Reinsurance Co stock overvalued right now?
Based on GuruFocus' analysis, The Mediterranean and Gulf Insurance and Reinsurance Co (SAU:8030) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼22.13, compared to a current price of ﷼17.00 — trading 23.2% below its estimated fair value. The current 3-Year RORE % is -43.00. The Mediterranean and Gulf Insurance and Reinsurance Co's overall GF Score™ is 71/100 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 The Mediterranean and Gulf Insurance and Reinsurance Co (SAU:8030), the current 3-Year RORE % is -43.00 as of Mar. 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 The Mediterranean and Gulf Insurance and Reinsurance Co (SAU:8030) Overvalued in 2026?
Based on GuruFocus' analysis, The Mediterranean and Gulf Insurance and Reinsurance Co stock appears to be undervalued.
The current stock price of ﷼17.00 is trading 23.2% below its estimated GF Value™ of ﷼22.13.
GuruFocus considers The Mediterranean and Gulf Insurance and Reinsurance Co to be Modestly Undervalued.
Key valuation signals for SAU:8030:
3-Year RORE %: -43.00
GF Value™: ﷼22.13 vs. price of ﷼17.00 (23.2% below fair value)
No single metric tells the full story. See the SAU:8030 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The Mediterranean and Gulf Insurance and Reinsurance Co is a Saudi Arabian insurance company with objectives to transact in cooperative insurance and reinsurance business and related activities. Its principal lines of business include medical, motor and other general insurance. It has three reportable operating segments: Medical insurance, which is the key revenue driver, and covers medical costs, medicines, and all other medical services and supplies; Motor Insurance, which provides coverage against losses and liability related to motor vehicles; and Other classes, which covers any other classes of insurance not included above.
71GF Score
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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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