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.
SiriusPoint's 3-Year RORE % for the quarter that ended in Mar. 2026 was 36.36%.
The industry rank for SiriusPoint's 3-Year RORE % or its related term are showing as below:
SPNT's 3-Year RORE % is ranked better than 78.32% of 475
companies
in the Insurance industry
Industry Median: 11.7
vs SPNT: 36.36
SiriusPoint (NYSE:SPNT) 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.
SiriusPoint 3-Year RORE % Related Terms
SiriusPoint 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for SiriusPoint'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.
For the Insurance - Reinsurance subindustry, SiriusPoint'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.
SiriusPoint 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, SiriusPoint's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where SiriusPoint'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.
SiriusPoint (SPNT) has a 3-Year RORE % of 36.36 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 SiriusPoint and its competitors. According to the industry distribution chart, SiriusPoint ranks #103 out of 475 companies in the Insurance industry, placing it in the top 21.7%.
Is SiriusPoint's 3-Year RORE % too high?
SiriusPoint's current 3-Year RORE % is 36.36. The Insurance industry median 3-Year RORE % is 11.70. SiriusPoint's value of 36.36 is 210.8% above this industry median. Based on the distribution chart, SiriusPoint ranks #103 out of 475 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, SiriusPoint has a GF Score™ of 82/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SiriusPoint's 3-Year RORE % compare to HG and GLRE?
According to the Insurance industry distribution chart, SiriusPoint ranks #103 out of 475 companies for 3-Year RORE %. This places SiriusPoint in the top 22% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 11.70. SiriusPoint's value of 36.36 is 210.8% 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. SiriusPoint's current 3-Year RORE % of 36.36 is 210.8% 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 SiriusPoint 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. SiriusPoint's current 3-Year RORE % is 36.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SiriusPoint stock overvalued right now?
Based on GuruFocus' analysis, SiriusPoint (SPNT) is currently considered Modestly Overvalued. The stock's GF Value™ is $19.82, compared to a current price of $24.63 — trading 24.3% above its estimated fair value. The current 3-Year RORE % is 36.36 and 210.8% above the Insurance industry median of 11.70. SiriusPoint's overall GF Score™ is 82/100 with 6 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 SiriusPoint (SPNT), the current 3-Year RORE % is 36.36 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 SiriusPoint (SPNT) Overvalued in 2026?
Based on GuruFocus' analysis, SiriusPoint stock appears to be overvalued.
The current stock price of $24.63 is trading 24.3% above its estimated GF Value™ of $19.82.
GuruFocus considers SiriusPoint to be Modestly Overvalued.
Key valuation signals for SPNT:
3-Year RORE %: 36.36
GF Value™: $19.82 vs. price of $24.63 (24.3% above fair value)
Industry Position: 210.8% above the Insurance median (#103 of 475)
No single metric tells the full story. See the SPNT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SiriusPoint Ltd provides property and casualty reinsurance coverage to insurance and reinsurance companies in the United States, Canada, Bermuda, the United Kingdom, and Europe. The company operates through two operating segments: Reinsurance and Insurance & Services. The company's product portfolio consists of reinsurance contracts for property insurance including both residential and commercial properties, workers' compensation, personal automobile, businesses' general liability insurance, professional liability insurance to protect professional advisors and service providers, agriculture insurance, and mortgage insurance. The majority of the revenue is generated from its Insurance & Services segment.
82GF Score
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