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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.
Liva Insurance Co's 3-Year RORE % for the quarter that ended in Mar. 2026 was 19.60%.
The industry rank for Liva Insurance Co's 3-Year RORE % or its related term are showing as below:
SAU:8280's 3-Year RORE % is ranked better than 60.47% of 473
companies
in the Insurance industry
Industry Median: 11.46
vs SAU:8280: 19.60
Liva Insurance Co (SAU:8280) 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.
Liva Insurance Co 3-Year RORE % Related Terms
Liva Insurance Co 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Liva 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.
SAU:8280 vs BRK.A, AIG, HIG: 3-Year RORE % Comparison
For the Insurance - Diversified subindustry, Liva 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.
Liva Insurance Co 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Liva Insurance Co's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Liva 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 Mar. 2026 and 3-year before.
Liva Insurance Co (SAU:8280) has a 3-Year RORE % of 19.60 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 Liva Insurance Co and its competitors. According to the industry distribution chart, Liva Insurance Co ranks #187 out of 473 companies in the Insurance industry, placing it in the top 39.5%.
Is Liva Insurance Co's 3-Year RORE % too high?
Liva Insurance Co's current 3-Year RORE % is 19.60. The Insurance industry median 3-Year RORE % is 11.46. Liva Insurance Co's value of 19.60 is 71% above this industry median. Based on the distribution chart, Liva Insurance Co ranks #187 out of 473 companies in the Insurance industry, which is above the industry midpoint. Overall, Liva Insurance Co has a GF Score™ of 79/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Liva Insurance Co's 3-Year RORE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Liva Insurance Co ranks #187 out of 473 companies for 3-Year RORE %. This puts Liva Insurance Co in the upper half of its industry. The industry median 3-Year RORE % is 11.46. Liva Insurance Co's value of 19.60 is 71% above 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 11.46, 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. Liva Insurance Co's current 3-Year RORE % of 19.60 is 71% above 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 Liva Insurance Co and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Liva Insurance Co's current 3-Year RORE % is 19.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Liva Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Liva Insurance Co (SAU:8280) is currently considered Significantly Undervalued. The stock's GF Value™ is ﷼24.61, compared to a current price of ﷼14.48 — trading 41.2% below its estimated fair value. The current 3-Year RORE % is 19.60 and 71% above the Insurance industry median of 11.46. Liva Insurance Co's overall GF Score™ is 79/100 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 Liva Insurance Co (SAU:8280), the current 3-Year RORE % is 19.60 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 Liva Insurance Co (SAU:8280) Overvalued in 2026?
Based on GuruFocus' analysis, Liva Insurance Co stock appears to be undervalued.
The current stock price of ﷼14.48 is trading 41.2% below its estimated GF Value™ of ﷼24.61.
GuruFocus considers Liva Insurance Co to be Significantly Undervalued.
Key valuation signals for SAU:8280:
3-Year RORE %: 19.60
GF Value™: ﷼24.61 vs. price of ﷼14.48 (41.2% below fair value)
Industry Position: 71% above the Insurance median (#187 of 473)
No single metric tells the full story. See the SAU:8280 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Liva Insurance Co operates in the insurance industry. The activities of the company are to transact cooperative insurance and reinsurance operations. The company offers products in the segments of Property insurance; Motor insurance; Engineering; Marine insurance; Group life insurance and others, of which key revenue is derived from the Motor insurance segment which provides coverage against losses and liability related to motor vehicles, excluding transport insurance. The company's objectives are also focused on practicing cooperative insurance business and all related businesses such as reinsurance, agencies, representation and correspondence.
79GF Score
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