Grupo Assa (XPTY:ASSA) 3-Year RORE % : 31.66% (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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XPTY:ASSA Grupo Assa SA XPTY:ASSA
76 GF Score
Price $155.00
GF Value $144.93
Valuation Fairly Valued
! 7 Warning Signs
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What is Grupo Assa 3-Year RORE %?

Grupo Assa XPTY:ASSA +0.01% 76 3-Year RORE % is 31.66 as of Mar. 2026. GuruFocus rates XPTY:ASSA with a GF Score™ of 76/100 and a GF Value™ of $144.93 (Fairly Valued). The stock has 7 warning signs investors should review. Among 471 Insurance companies, Grupo Assa ranks better than 74.1% 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. Grupo Assa's 3-Year RORE % for the quarter that ended in Mar. 2026 was 31.66%.

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

XPTY:ASSA's 3-Year RORE % is ranked better than
74.1% of 471 companies
in the Insurance industry
Industry Median: 11.7 vs XPTY:ASSA: 31.66

Grupo Assa  (XPTY:ASSA) 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.


Grupo Assa 3-Year RORE % Related Terms


Grupo Assa 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for Grupo Assa'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.

Grupo Assa 3-Year RORE % Chart

Grupo Assa 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 -1.56 -13.42 12.67 45.45 35.68

Grupo Assa 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 43.75 44.16 31.93 35.68 31.66

XPTY:ASSA vs BRK.A, AIG, HIG: 3-Year RORE % Comparison

For the Insurance - Diversified subindustry, Grupo Assa'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.


Grupo Assa 3-Year RORE % vs Insurance Industry

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

* The bar in red indicates where Grupo Assa's 3-Year RORE % falls into.


XPTY:ASSA
76GF Score
Grupo Assa SA XPTY:ASSA
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Grupo Assa 3-Year RORE % Calculation

Grupo Assa'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 )
=( 16.39-9.7 )/( 38.18-17.051 )
=6.69/21.129
=31.66 %

* 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 31.66 mean?
Grupo Assa (XPTY:ASSA) has a 3-Year RORE % of 31.66 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 Grupo Assa and its competitors. According to the industry distribution chart, Grupo Assa ranks #122 out of 471 companies in the Insurance industry, placing it in the top 25.9%.
Is Grupo Assa's 3-Year RORE % too high?
Grupo Assa's current 3-Year RORE % is 31.66. The Insurance industry median 3-Year RORE % is 11.70. Grupo Assa's value of 31.66 is 170.6% above this industry median. Based on the distribution chart, Grupo Assa ranks #122 out of 471 companies in the Insurance industry, which is above the industry midpoint. Overall, Grupo Assa has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Grupo Assa's 3-Year RORE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Grupo Assa ranks #122 out of 471 companies for 3-Year RORE %. This puts Grupo Assa in the upper half of its industry. The industry median 3-Year RORE % is 11.70. Grupo Assa's value of 31.66 is 170.6% 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 11.70, 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. Grupo Assa's current 3-Year RORE % of 31.66 is 170.6% 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 Grupo Assa 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. Grupo Assa's current 3-Year RORE % is 31.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Grupo Assa stock overvalued right now?
Based on GuruFocus' analysis, Grupo Assa (XPTY:ASSA) is currently considered Fairly Valued. The stock's GF Value™ is $144.93, compared to a current price of $155.00 — trading 6.9% above its estimated fair value. The current 3-Year RORE % is 31.66 and 170.6% above the Insurance industry median of 11.70. Grupo Assa's overall GF Score™ is 76/100 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 Grupo Assa (XPTY:ASSA), the current 3-Year RORE % is 31.66 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 Grupo Assa (XPTY:ASSA) Overvalued in 2026?

Based on GuruFocus' analysis, Grupo Assa stock appears to be overvalued. The current stock price of $155.00 is trading 6.9% above its estimated GF Value™ of $144.93. GuruFocus considers Grupo Assa to be Fairly Valued.

Key valuation signals for XPTY:ASSA:

  • 3-Year RORE %: 31.66
  • GF Value™: $144.93 vs. price of $155.00 (6.9% above fair value)
  • GF Score™: 76/100 with 7 warning signs
  • Industry Position: 170.6% above the Insurance median (#122 of 471)

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


Grupo Assa Business Description

Address Nicanor de Obarrio Avenue, Calle 50, PO Box 0816-01622, ASSA Building, between Calles 56 and 57, Panama, PAN
Grupo Assa SA is engaged in the operations of insurance business, banking operations, financial activities and other investment operations.
76GF Score

Get the complete analysis for XPTY:ASSA

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

$155.00
Price
$144.93
GF Value