Global United Insurance (XPAE:GUI) 3-Year RORE % : 73.63% (As of Mar. 2026)


XPAE:GUI Global United Insurance XPAE:GUI
45 GF Score
Price $1.58
GF Value $1.69
Valuation Fairly Valued
! 3 Warning Signs
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What is Global United Insurance 3-Year RORE %?

Global United Insurance XPAE:GUI +4.64% 45 3-Year RORE % is 73.63 as of Mar. 2026. GuruFocus rates XPAE:GUI with a GF Score™ of 45/100 and a GF Value™ of $1.69 (Fairly Valued). The stock has 3 warning signs investors should review. Among 476 Insurance companies, Global United Insurance ranks better than 91.81% 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. Global United Insurance's 3-Year RORE % for the quarter that ended in Mar. 2026 was 73.63%.

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

XPAE:GUI's 3-Year RORE % is ranked better than
91.81% of 476 companies
in the Insurance industry
Industry Median: 11.865 vs XPAE:GUI: 73.63

Global United Insurance  (XPAE:GUI) 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.


Global United Insurance 3-Year RORE % Related Terms


Global United Insurance 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for Global United Insurance'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.

Global United Insurance 3-Year RORE % Chart

Global United Insurance 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 50.94 -36.14 -51.46 96.27 74.33

Global United Insurance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 93.22 75.02 75.07 74.33 73.63

XPAE:GUI vs BRK.A, AIG, HIG: 3-Year RORE % Comparison

For the Insurance - Diversified subindustry, Global United Insurance'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.


Global United Insurance 3-Year RORE % vs Insurance Industry

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

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


XPAE:GUI
45GF Score
Global United Insurance XPAE:GUI
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Global United Insurance 3-Year RORE % Calculation

Global United Insurance's 3-Year RORE % for the quarter that ended in Mar. 2026 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 )
=( 5.678-0.115 )/( 7.607-0.052 )
=5.563/7.555
=73.63 %

* 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.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 73.63 mean?
Global United Insurance (XPAE:GUI) has a 3-Year RORE % of 73.63 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 Global United Insurance and its competitors. According to the industry distribution chart, Global United Insurance ranks #39 out of 476 companies in the Insurance industry, placing it in the top 8.2%.
Is Global United Insurance's 3-Year RORE % too high?
Global United Insurance's current 3-Year RORE % is 73.63. The Insurance industry median 3-Year RORE % is 11.87. Global United Insurance's value of 73.63 is 520.6% above this industry median. Based on the distribution chart, Global United Insurance ranks #39 out of 476 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Global United Insurance has a GF Score™ of 45/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Global United Insurance's 3-Year RORE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Global United Insurance ranks #39 out of 476 companies for 3-Year RORE %. This places Global United Insurance in the top 8% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 11.87. Global United Insurance's value of 73.63 is 520.6% 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 11.87, based on 476 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. Global United Insurance's current 3-Year RORE % of 73.63 is 520.6% 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 Global United Insurance and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Global United Insurance's current 3-Year RORE % is 73.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Global United Insurance stock overvalued right now?
Based on GuruFocus' analysis, Global United Insurance (XPAE:GUI) is currently considered Fairly Valued. The stock's GF Value™ is $1.69, compared to a current price of $1.58 — trading 6.5% below its estimated fair value. The current 3-Year RORE % is 73.63 and 520.6% above the Insurance industry median of 11.87. Global United Insurance's overall GF Score™ is 45/100 with 3 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 Global United Insurance (XPAE:GUI), the current 3-Year RORE % is 73.63 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 Global United Insurance (XPAE:GUI) Overvalued in 2026?

Based on GuruFocus' analysis, Global United Insurance stock appears to be undervalued. The current stock price of $1.58 is trading 6.5% below its estimated GF Value™ of $1.69. GuruFocus considers Global United Insurance to be Fairly Valued.

Key valuation signals for XPAE:GUI:

  • 3-Year RORE %: 73.63
  • GF Value™: $1.69 vs. price of $1.58 (6.5% below fair value)
  • GF Score™: 45/100 with 3 warning signs
  • Industry Position: 520.6% above the Insurance median (#39 of 476)

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


Global United Insurance Business Description

Address Al-Bireh, Nablus Street, United Global Insurance Building, Ramallah, PSE
Global United Insurance is engaged in insurance, reinsurance, insurance, and compensation business. It offers personal accident insurance, fire insurance, marine insurance, Life Insurance, Motor insurance, engineering insurance, and Other general insurance, and the majority of the revenue comes from Motor Insurance.
45GF Score

Get the complete analysis for XPAE:GUI

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

$1.58
Price
$1.69
GF Value