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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.
Clal Insurance Enterprises Holdings's 3-Year RORE % for the quarter that ended in Jun. 2026 was 24.12%.
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.
Clal Insurance Enterprises Holdings 3-Year RORE % Related Terms
Clal Insurance Enterprises Holdings 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.
XTAE:CLIS vs AFL, MET, PRU: 3-Year RORE % Comparison
For the Insurance - Life subindustry, Clal Insurance Enterprises Holdings'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.
Clal Insurance Enterprises Holdings 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Clal Insurance Enterprises Holdings's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Clal Insurance Enterprises Holdings'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 Jun. 2026 and 3-year before.
Clal Insurance Enterprises Holdings (XTAE:CLIS) has a 3-Year RORE % of 24.12 as of Jun. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Clal Insurance Enterprises Holdings and its competitors. According to the industry distribution chart, Clal Insurance Enterprises Holdings ranks #163 out of 477 companies in the Insurance industry, placing it in the top 34.2%.
Is Clal Insurance Enterprises Holdings' 3-Year RORE % too high?
Clal Insurance Enterprises Holdings' current 3-Year RORE % is 24.12. The Insurance industry median 3-Year RORE % is 11.96. Clal Insurance Enterprises Holdings' value of 24.12 is 101.7% above this industry median. Based on the distribution chart, Clal Insurance Enterprises Holdings ranks #163 out of 477 companies in the Insurance industry, which is above the industry midpoint. Overall, Clal Insurance Enterprises Holdings has a GF Score™ of 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Clal Insurance Enterprises Holdings' 3-Year RORE % compare to AFL and MET?
According to the Insurance industry distribution chart, Clal Insurance Enterprises Holdings ranks #163 out of 477 companies for 3-Year RORE %. This puts Clal Insurance Enterprises Holdings in the upper half of its industry. The industry median 3-Year RORE % is 11.96. Clal Insurance Enterprises Holdings' value of 24.12 is 101.7% 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 11.96, based on 477 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. Clal Insurance Enterprises Holdings's current 3-Year RORE % of 24.12 is 101.7% 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 Clal Insurance Enterprises Holdings and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Clal Insurance Enterprises Holdings's current 3-Year RORE % is 24.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Clal Insurance Enterprises Holdings stock overvalued right now?
Based on GuruFocus' analysis, Clal Insurance Enterprises Holdings (XTAE:CLIS) is currently considered Significantly Overvalued. The stock's GF Value™ is ₪123.77, compared to a current price of ₪242.70 — trading 96.1% above its estimated fair value. The current 3-Year RORE % is 24.12 and 101.7% above the Insurance industry median of 11.96. Clal Insurance Enterprises Holdings' overall GF Score™ is 79/100 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 Clal Insurance Enterprises Holdings (XTAE:CLIS), the current 3-Year RORE % is 24.12 as of Jun. 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 Clal Insurance Enterprises Holdings (XTAE:CLIS) Overvalued in 2026?
Based on GuruFocus' analysis, Clal Insurance Enterprises Holdings stock appears to be overvalued.
The current stock price of ₪242.70 is trading 96.1% above its estimated GF Value™ of ₪123.77.
GuruFocus considers Clal Insurance Enterprises Holdings to be Significantly Overvalued.
Key valuation signals for XTAE:CLIS:
3-Year RORE %: 24.12
GF Value™: ₪123.77 vs. price of ₪242.70 (96.1% above fair value)
Industry Position: 101.7% above the Insurance median (#163 of 477)
No single metric tells the full story. See the XTAE:CLIS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Clal Insurance Enterprises Holdings Ltd is an insurance company, part of IDB Group, a conglomerate from Israel. Its lines of business are Nonlife insurance, Health insurance, Pensions, and provident funds for private and corporate clients. Clal insurance divisions are nonlife insurance, long-term savings, and health. The nonlife insurance division offers automotive, property, personal accidents, guarantees, liability, and marine insurance, among others. The life insurance and long-term savings division manages long-term assets, such as life insurance, pensions, and funds. The health insurance division consists of health insurance products, such as local and overseas surgeries, transplants, medications, critical illness, long-term care, and accidents. The company's main market is Israel.
79GF Score
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