First Insurance Co (TPE:2852) 3-Year RORE % : 19.70% (As of Dec. 2025)

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TPE:2852 First Insurance Co Ltd TPE:2852
85 GF Score
Price NT$26.50
GF Value NT$26.21
Valuation Fairly Valued
! 5 Warning Signs
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What is First Insurance Co 3-Year RORE %?

First Insurance Co TPE:2852 -1.49% 85 3-Year RORE % is 19.70 as of Dec. 2025. GuruFocus rates TPE:2852 with a GF Score™ of 85/100 and a GF Value™ of NT$26.21 (Fairly Valued). The stock has 5 warning signs investors should review. Among 470 Insurance companies, First Insurance Co ranks better than 60.85% on this metric.

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. First Insurance Co's 3-Year RORE % for the quarter that ended in Dec. 2025 was 19.70%.

The industry rank for First Insurance Co's 3-Year RORE % or its related term are showing as below:

TPE:2852's 3-Year RORE % is ranked better than
60.85% of 470 companies
in the Insurance industry
Industry Median: 12.05 vs TPE:2852: 19.70

First Insurance Co  (TPE:2852) 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.


First Insurance Co 3-Year RORE % Related Terms


First Insurance Co 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for First 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.

First Insurance Co 3-Year RORE % Chart

First Insurance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -3.61 78.70 7.67 29.31 19.70

First Insurance Co Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 29.31 29.20 21.29 29.59 19.70

TPE:2852 vs CB, PGR, TRV: 3-Year RORE % Comparison

For the Insurance - Property & Casualty subindustry, First 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.


First Insurance Co 3-Year RORE % vs Insurance Industry

For the Insurance industry and Financial Services sector, First Insurance Co's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where First Insurance Co's 3-Year RORE % falls into.


TPE:2852
85GF Score
First Insurance Co Ltd TPE:2852
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Insurance Co 3-Year RORE % Calculation

First Insurance Co's 3-Year RORE % for the quarter that ended in Dec. 2025 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 2.91-2.11 )/( 8.01-3.95 )
=0.8/4.06
=19.70 %

* 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.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 19.70 mean?
First Insurance Co (TPE:2852) has a 3-Year RORE % of 19.70 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 First Insurance Co and its competitors. According to the industry distribution chart, First Insurance Co ranks #184 out of 470 companies in the Insurance industry, placing it in the top 39.1%.
Is First Insurance Co's 3-Year RORE % too high?
First Insurance Co's current 3-Year RORE % is 19.70. The Insurance industry median 3-Year RORE % is 12.05. First Insurance Co's value of 19.70 is 63.5% above this industry median. Based on the distribution chart, First Insurance Co ranks #184 out of 470 companies in the Insurance industry, which is above the industry midpoint. Overall, First Insurance Co has a GF Score™ of 85/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Insurance Co's 3-Year RORE % compare to CB and PGR?
According to the Insurance industry distribution chart, First Insurance Co ranks #184 out of 470 companies for 3-Year RORE %. This puts First Insurance Co in the upper half of its industry. The industry median 3-Year RORE % is 12.05. First Insurance Co's value of 19.70 is 63.5% 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 12.05, based on 470 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. First Insurance Co's current 3-Year RORE % of 19.70 is 63.5% 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 First Insurance Co and its competitors. For the Insurance industry, the median 3-Year RORE % is 12.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Insurance Co's current 3-Year RORE % is 19.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, First Insurance Co (TPE:2852) is currently considered Fairly Valued. The stock's GF Value™ is NT$26.21, compared to a current price of NT$26.50 — trading 1.1% above its estimated fair value. The current 3-Year RORE % is 19.70 and 63.5% above the Insurance industry median of 12.05. First Insurance Co's overall GF Score™ is 85/100 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 First Insurance Co (TPE:2852), the current 3-Year RORE % is 19.70 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 First Insurance Co (TPE:2852) Overvalued in 2026?

Based on GuruFocus' analysis, First Insurance Co stock appears to be overvalued. The current stock price of NT$26.50 is trading 1.1% above its estimated GF Value™ of NT$26.21. GuruFocus considers First Insurance Co to be Fairly Valued.

Key valuation signals for TPE:2852:

  • 3-Year RORE %: 19.70
  • GF Value™: NT$26.21 vs. price of NT$26.50 (1.1% above fair value)
  • GF Score™: 85/100 with 5 warning signs
  • Industry Position: 63.5% above the Insurance median (#184 of 470)

No single metric tells the full story. See the TPE:2852 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


First Insurance Co Business Description

Address No. 54, Zhongxiao East Road, 11th Floor, Section 1, Taipei, TWN, 100
First Insurance Co Ltd is engaged in the provision of insurance services. The company offers various insurance services such as fire, liability, and professional insurance such as medical malpractice insurance, hospital comprehensive liability insurance, directors, and officer's liability insurance, personal accident, motor, and marine transportation insurance, machinery and engineering insurance, and others. Additionally, it also renders reinsurance services. The company has branches in Taichung, Kaohsiung, Tainan, Taoyuan, and New Taipei City.
85GF Score

Get the complete analysis for TPE:2852

3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NT$26.50
Price
NT$26.21
GF Value