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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.
Syarikat Takaful Malaysia Keluarga Bhd's 3-Year RORE % for the quarter that ended in Mar. 2026 was 2.45%.
XKLS:6139's 3-Year RORE % is ranked worse than 63.06% of 471
companies
in the Insurance industry
Industry Median: 11.68
vs XKLS:6139: 2.45
Syarikat Takaful Malaysia Keluarga Bhd (XKLS:6139) 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.
Syarikat Takaful Malaysia Keluarga Bhd 3-Year RORE % Related Terms
Syarikat Takaful Malaysia Keluarga Bhd 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.
Syarikat Takaful Malaysia Keluarga Bhd 3-Year RORE % Chart
Syarikat Takaful Malaysia Keluarga Bhd Annual Data
XKLS:6139 vs FNF, AXS, FAF: 3-Year RORE % Comparison
For the Insurance - Specialty subindustry, Syarikat Takaful Malaysia Keluarga Bhd'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.
Syarikat Takaful Malaysia Keluarga Bhd 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Syarikat Takaful Malaysia Keluarga Bhd's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Syarikat Takaful Malaysia Keluarga Bhd'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.
Syarikat Takaful Malaysia Keluarga Bhd (XKLS:6139) has a 3-Year RORE % of 2.45 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 Syarikat Takaful Malaysia Keluarga Bhd and its competitors. According to the industry distribution chart, Syarikat Takaful Malaysia Keluarga Bhd ranks #297 out of 471 companies in the Insurance industry, placing it in the top 63.1%.
Is Syarikat Takaful Malaysia Keluarga Bhd's 3-Year RORE % too high?
Syarikat Takaful Malaysia Keluarga Bhd's current 3-Year RORE % is 2.45. The Insurance industry median 3-Year RORE % is 11.68. Syarikat Takaful Malaysia Keluarga Bhd's value of 2.45 is 79% below this industry median. Based on the distribution chart, Syarikat Takaful Malaysia Keluarga Bhd ranks #297 out of 471 companies in the Insurance industry, which is below the industry midpoint. Overall, Syarikat Takaful Malaysia Keluarga Bhd has a GF Score™ of 74/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Syarikat Takaful Malaysia Keluarga Bhd's 3-Year RORE % compare to FNF and AXS?
According to the Insurance industry distribution chart, Syarikat Takaful Malaysia Keluarga Bhd ranks #297 out of 471 companies for 3-Year RORE %. This places Syarikat Takaful Malaysia Keluarga Bhd in the lower half of its industry. The industry median 3-Year RORE % is 11.68. Syarikat Takaful Malaysia Keluarga Bhd's value of 2.45 is 79% below 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. Syarikat Takaful Malaysia Keluarga Bhd's current 3-Year RORE % of 2.45 is 79% below 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 Syarikat Takaful Malaysia Keluarga Bhd 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. Syarikat Takaful Malaysia Keluarga Bhd's current 3-Year RORE % is 2.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Syarikat Takaful Malaysia Keluarga Bhd stock overvalued right now?
Based on GuruFocus' analysis, Syarikat Takaful Malaysia Keluarga Bhd (XKLS:6139) is currently considered Significantly Undervalued. The stock's GF Value™ is RM5.06, compared to a current price of RM3.19 — trading 37% below its estimated fair value. The current 3-Year RORE % is 2.45 and 79% below the Insurance industry median of 11.68. Syarikat Takaful Malaysia Keluarga Bhd's overall GF Score™ is 74/100 with 2 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 Syarikat Takaful Malaysia Keluarga Bhd (XKLS:6139), the current 3-Year RORE % is 2.45 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 Syarikat Takaful Malaysia Keluarga Bhd (XKLS:6139) Overvalued in 2026?
Based on GuruFocus' analysis, Syarikat Takaful Malaysia Keluarga Bhd stock appears to be undervalued.
The current stock price of RM3.19 is trading 37% below its estimated GF Value™ of RM5.06.
GuruFocus considers Syarikat Takaful Malaysia Keluarga Bhd to be Significantly Undervalued.
Key valuation signals for XKLS:6139:
3-Year RORE %: 2.45
GF Value™: RM5.06 vs. price of RM3.19 (37% below fair value)
Industry Position: 79% below the Insurance median (#297 of 471)
No single metric tells the full story. See the XKLS:6139 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Syarikat Takaful Malaysia Keluarga Bhd Business Description
Syarikat Takaful Malaysia Keluarga Bhd is a takaful insurance provider in Malaysia and Indonesia. Like insurancetakaful protects participants from loss, but unlike traditional insurance, it adheres to a business model that conforms to Islamic religious law. The company's business includes participants who pool their money into a Participant Risk Fund, which then has funds available to disburse when a participant is facing a loss. For managing the takaful fund, the company receives a service fee on participant contributions. Syarikat Takaful Malaysia manages family and general takaful businesses, which include medical, motor and home takaful. The vast majority of the company's revenue comes from customers in Malaysia.
74GF Score
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