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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.
Fubon Financial Holdings Co's 3-Year RORE % for the quarter that ended in Dec. 2025 was 25.16%.
TPE:2881's 3-Year RORE % is ranked better than 67.73% of 471
companies
in the Insurance industry
Industry Median: 11.68
vs TPE:2881: 25.16
Fubon Financial Holdings Co (TPE:2881) 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.
Fubon Financial Holdings Co 3-Year RORE % Related Terms
Fubon Financial Holdings 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.
TPE:2881 vs AFL, MET, PRU: 3-Year RORE % Comparison
For the Insurance - Life subindustry, Fubon Financial Holdings 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.
Fubon Financial Holdings Co 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Fubon Financial Holdings Co's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Fubon Financial Holdings 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 Dec. 2025 and 3-year before.
Fubon Financial Holdings Co (TPE:2881) has a 3-Year RORE % of 25.16 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 Fubon Financial Holdings Co and its competitors. According to the industry distribution chart, Fubon Financial Holdings Co ranks #152 out of 471 companies in the Insurance industry, placing it in the top 32.3%.
Is Fubon Financial Holdings Co's 3-Year RORE % too high?
Fubon Financial Holdings Co's current 3-Year RORE % is 25.16. The Insurance industry median 3-Year RORE % is 11.68. Fubon Financial Holdings Co's value of 25.16 is 115.4% above this industry median. Based on the distribution chart, Fubon Financial Holdings Co ranks #152 out of 471 companies in the Insurance industry, which is above the industry midpoint. Overall, Fubon Financial Holdings Co has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Fubon Financial Holdings Co's 3-Year RORE % compare to AFL and MET?
According to the Insurance industry distribution chart, Fubon Financial Holdings Co ranks #152 out of 471 companies for 3-Year RORE %. This puts Fubon Financial Holdings Co in the upper half of its industry. The industry median 3-Year RORE % is 11.68. Fubon Financial Holdings Co's value of 25.16 is 115.4% 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 11.68, based on 471 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. Fubon Financial Holdings Co's current 3-Year RORE % of 25.16 is 115.4% 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 Fubon Financial Holdings Co and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fubon Financial Holdings Co's current 3-Year RORE % is 25.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fubon Financial Holdings Co stock overvalued right now?
Based on GuruFocus' analysis, Fubon Financial Holdings Co (TPE:2881) is currently considered Fairly Valued. The stock's GF Value™ is NT$141.18, compared to a current price of NT$128.50 — trading 9% below its estimated fair value. The current 3-Year RORE % is 25.16 and 115.4% above the Insurance industry median of 11.68. Fubon Financial Holdings Co's overall GF Score™ is 65/100 with 7 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 Fubon Financial Holdings Co (TPE:2881), the current 3-Year RORE % is 25.16 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 Fubon Financial Holdings Co (TPE:2881) Overvalued in 2026?
Based on GuruFocus' analysis, Fubon Financial Holdings Co stock appears to be undervalued.
The current stock price of NT$128.50 is trading 9% below its estimated GF Value™ of NT$141.18.
GuruFocus considers Fubon Financial Holdings Co to be Fairly Valued.
Key valuation signals for TPE:2881:
3-Year RORE %: 25.16
GF Value™: NT$141.18 vs. price of NT$128.50 (9% below fair value)
Industry Position: 115.4% above the Insurance median (#152 of 471)
No single metric tells the full story. See the TPE:2881 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fubon Financial Holdings Co Ltd is a full-service financial holding company. Along with its subsidiaries, the company operates in the following reportable segments: Bank business, Insurance business, Life insurance business, Securities business, and Others. It generates maximum revenue from the Life Insurance business segment, which provides a variety of life and property insurance services. In addition to its reportable businesses, the group is also engaged in financial holding, venture capital, and asset management businesses. Geographically, it generates maximum revenue from Taiwan, followed by other Asian regions, and other markets.
65GF Score
Get the complete analysis for TPE:2881
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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