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.
Yunfeng Financial Group's 3-Year RORE % for the quarter that ended in Dec. 2025 was 18.00%.
The industry rank for Yunfeng Financial Group's 3-Year RORE % or its related term are showing as below:
YNFGF's 3-Year RORE % is ranked better than 58.86% of 474
companies
in the Insurance industry
Industry Median: 11.865
vs YNFGF: 18.00
Yunfeng Financial Group (OTCPK:YNFGF) 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.
Yunfeng Financial Group 3-Year RORE % Related Terms
Yunfeng Financial Group 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.
For the Insurance - Life subindustry, Yunfeng Financial Group'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.
Yunfeng Financial Group 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Yunfeng Financial Group's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Yunfeng Financial Group'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. 2025 and 3-year before.
Yunfeng Financial Group (YNFGF) has a 3-Year RORE % of 18.00 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Yunfeng Financial Group and its competitors. According to the industry distribution chart, Yunfeng Financial Group ranks #195 out of 474 companies in the Insurance industry, placing it in the top 41.1%.
Is Yunfeng Financial Group's 3-Year RORE % too high?
Yunfeng Financial Group's current 3-Year RORE % is 18.00. The Insurance industry median 3-Year RORE % is 11.87. Yunfeng Financial Group's value of 18.00 is 51.7% above this industry median. Based on the distribution chart, Yunfeng Financial Group ranks #195 out of 474 companies in the Insurance industry, which is above the industry midpoint. Overall, Yunfeng Financial Group has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does Yunfeng Financial Group's 3-Year RORE % compare to AFL and MET?
According to the Insurance industry distribution chart, Yunfeng Financial Group ranks #195 out of 474 companies for 3-Year RORE %. This puts Yunfeng Financial Group in the upper half of its industry. The industry median 3-Year RORE % is 11.87. Yunfeng Financial Group's value of 18.00 is 51.7% 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 11.87, based on 474 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. Yunfeng Financial Group's current 3-Year RORE % of 18.00 is 51.7% 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 Yunfeng Financial Group 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. Yunfeng Financial Group's current 3-Year RORE % is 18.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yunfeng Financial Group stock overvalued right now?
Yunfeng Financial Group (YNFGF) has a current 3-Year RORE % of 18.00. The stock's GF Value™ is $0.69, compared to a current price of $0.52 — trading 25.4% below its estimated fair value. The current 3-Year RORE % is 18.00 and 51.7% above the Insurance industry median of 11.87. Yunfeng Financial Group's overall GF Score™ is 62/100 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 Yunfeng Financial Group (YNFGF), the current 3-Year RORE % is 18.00 as of Dec. 2025. 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 Yunfeng Financial Group (YNFGF) Overvalued in 2026?
Based on GuruFocus' analysis, Yunfeng Financial Group stock appears to be undervalued.
The current stock price of $0.52 is trading 25.4% below its estimated GF Value™ of $0.69.
Key valuation signals for YNFGF:
3-Year RORE %: 18.00
GF Value™: $0.69 vs. price of $0.52 (25.4% below fair value)
Industry Position: 51.7% above the Insurance median (#195 of 474)
No single metric tells the full story. See the YNFGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Yunfeng Financial Group Ltd is an investment holding company that provides security trading, advisory, and asset management services. The company operates through two operating segments: Insurance business, which engages in the writing of long-term assurance business; and Other financial services & corporate, which includes Securities brokerage, Wealth management, Principal investment, Consultancy & advisory services, Financial technology activities, and Corporate service. The company's revenue is derived from the Insurance business. The group's operations are in Hong Kong and Macao generating key revenue from Hong Kong region.
62GF Score
Get the complete analysis for YNFGF
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
YNFGF has been successfully added to your 
