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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.
Societe Tunisienne de Reassurance's 3-Year RORE % for the quarter that ended in Dec. 2024 was 4.30%.
XTUN:TRE's 3-Year RORE % is ranked worse than 60.72% of 471
companies
in the Insurance industry
Industry Median: 11.7
vs XTUN:TRE: 4.30
Societe Tunisienne de Reassurance (XTUN:TRE) 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.
Societe Tunisienne de Reassurance 3-Year RORE % Related Terms
Societe Tunisienne de Reassurance 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.
Societe Tunisienne de Reassurance 3-Year RORE % Chart
XTUN:TRE vs RGA, EG, RNR: 3-Year RORE % Comparison
For the Insurance - Reinsurance subindustry, Societe Tunisienne de Reassurance'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.
Societe Tunisienne de Reassurance 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Societe Tunisienne de Reassurance's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Societe Tunisienne de Reassurance'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. 2024 and 3-year before.
Societe Tunisienne de Reassurance (XTUN:TRE) has a 3-Year RORE % of 4.30 as of Dec. 2024. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Societe Tunisienne de Reassurance and its competitors. According to the industry distribution chart, Societe Tunisienne de Reassurance ranks #286 out of 471 companies in the Insurance industry, placing it in the top 60.7%.
Is Societe Tunisienne de Reassurance's 3-Year RORE % too high?
Societe Tunisienne de Reassurance's current 3-Year RORE % is 4.30. The Insurance industry median 3-Year RORE % is 11.70. Societe Tunisienne de Reassurance's value of 4.30 is 63.2% below this industry median. Based on the distribution chart, Societe Tunisienne de Reassurance ranks #286 out of 471 companies in the Insurance industry, which is below the industry midpoint. Overall, Societe Tunisienne de Reassurance has a GF Score™ of 88/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Societe Tunisienne de Reassurance's 3-Year RORE % compare to RGA and EG?
According to the Insurance industry distribution chart, Societe Tunisienne de Reassurance ranks #286 out of 471 companies for 3-Year RORE %. This places Societe Tunisienne de Reassurance in the lower half of its industry. The industry median 3-Year RORE % is 11.70. Societe Tunisienne de Reassurance's value of 4.30 is 63.2% 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 11.70, 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. Societe Tunisienne de Reassurance's current 3-Year RORE % of 4.30 is 63.2% 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 Societe Tunisienne de Reassurance 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. Societe Tunisienne de Reassurance's current 3-Year RORE % is 4.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Societe Tunisienne de Reassurance stock overvalued right now?
Based on GuruFocus' analysis, Societe Tunisienne de Reassurance (XTUN:TRE) is currently considered Significantly Overvalued. The stock's GF Value™ is TND9.26, compared to a current price of TND13.20 — trading 42.5% above its estimated fair value. The current 3-Year RORE % is 4.30 and 63.2% below the Insurance industry median of 11.70. Societe Tunisienne de Reassurance's overall GF Score™ is 88/100. 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 Societe Tunisienne de Reassurance (XTUN:TRE), the current 3-Year RORE % is 4.30 as of Dec. 2024. 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 Societe Tunisienne de Reassurance (XTUN:TRE) Overvalued in 2026?
Based on GuruFocus' analysis, Societe Tunisienne de Reassurance stock appears to be overvalued.
The current stock price of TND13.20 is trading 42.5% above its estimated GF Value™ of TND9.26.
GuruFocus considers Societe Tunisienne de Reassurance to be Significantly Overvalued.
Key valuation signals for XTUN:TRE:
3-Year RORE %: 4.30
GF Value™: TND9.26 vs. price of TND13.20 (42.5% above fair value)
Industry Position: 63.2% below the Insurance median (#286 of 471)
No single metric tells the full story. See the XTUN:TRE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Societe Tunisienne de Reassurance Business Description
Societe Tunisienne de Reassurance SA is engaged in the provision of the insurance services. The company offers various insurance products such as Fire, Miscellaneous and Technical Risks, engineering, Agricultural Risks, Marine & Energy, civil liability, accidents, civil and life insurances. In addition, it also provides transport corps, transportation faculties, energy and aviation insurance.
88GF Score
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