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.
Skyward Specialty Insurance Group's 3-Year RORE % for the quarter that ended in Mar. 2026 was 14.49%.
SKWD's 3-Year RORE % is ranked better than 53.47% of 475
companies
in the Insurance industry
Industry Median: 11.7
vs SKWD: 14.49
Skyward Specialty Insurance Group (NAS:SKWD) 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.
Skyward Specialty Insurance Group 3-Year RORE % Related Terms
Skyward Specialty Insurance Group 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.
Skyward Specialty Insurance Group 3-Year RORE % Chart
For the Insurance - Property & Casualty subindustry, Skyward Specialty Insurance Group'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.
Skyward Specialty Insurance Group 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Skyward Specialty Insurance Group's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Skyward Specialty Insurance Group'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.
Skyward Specialty Insurance Group (SKWD) has a 3-Year RORE % of 14.49 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 Skyward Specialty Insurance Group and its competitors. According to the industry distribution chart, Skyward Specialty Insurance Group ranks #221 out of 475 companies in the Insurance industry, placing it in the top 46.5%.
Is Skyward Specialty Insurance Group's 3-Year RORE % too high?
Skyward Specialty Insurance Group's current 3-Year RORE % is 14.49. The Insurance industry median 3-Year RORE % is 11.70. Skyward Specialty Insurance Group's value of 14.49 is 23.8% above this industry median. Based on the distribution chart, Skyward Specialty Insurance Group ranks #221 out of 475 companies in the Insurance industry, which is above the industry midpoint. Overall, Skyward Specialty Insurance Group has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Skyward Specialty Insurance Group's 3-Year RORE % compare to HCI and SLDE?
According to the Insurance industry distribution chart, Skyward Specialty Insurance Group ranks #221 out of 475 companies for 3-Year RORE %. This puts Skyward Specialty Insurance Group in the upper half of its industry. The industry median 3-Year RORE % is 11.70. Skyward Specialty Insurance Group's value of 14.49 is 23.8% 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 11.70, 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. Skyward Specialty Insurance Group's current 3-Year RORE % of 14.49 is 23.8% 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 Skyward Specialty Insurance Group 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. Skyward Specialty Insurance Group's current 3-Year RORE % is 14.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Skyward Specialty Insurance Group stock overvalued right now?
Based on GuruFocus' analysis, Skyward Specialty Insurance Group (SKWD) is currently considered Fairly Valued. The stock's GF Value™ is $58.89, compared to a current price of $61.43 — trading 4.3% above its estimated fair value. The current 3-Year RORE % is 14.49 and 23.8% above the Insurance industry median of 11.70. Skyward Specialty Insurance Group's overall GF Score™ is 80/100 with 4 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 Skyward Specialty Insurance Group (SKWD), the current 3-Year RORE % is 14.49 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 Skyward Specialty Insurance Group (SKWD) Overvalued in 2026?
Based on GuruFocus' analysis, Skyward Specialty Insurance Group stock appears to be overvalued.
The current stock price of $61.43 is trading 4.3% above its estimated GF Value™ of $58.89.
GuruFocus considers Skyward Specialty Insurance Group to be Fairly Valued.
Key valuation signals for SKWD:
3-Year RORE %: 14.49
GF Value™: $58.89 vs. price of $61.43 (4.3% above fair value)
Industry Position: 23.8% above the Insurance median (#221 of 475)
No single metric tells the full story. See the SKWD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Skyward Specialty Insurance Group Business Description
Skyward Specialty Insurance Group Inc is a specialty insurance company that offers a suite of specialized insurance solutions across specialty property and casualty markets on a non-admitted and admitted basis. Its portfolio of insurance offerings covers a wide variety of risks, including general liability, commercial auto, group accident and health, property, agriculture, credit, surety, and workers' compensation, among others. Geographically, the group mainly operates in the United States.
80GF Score
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