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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.
ZhongAn Online P&C Insurance Co's 3-Year RORE % for the quarter that ended in Dec. 2025 was -53.41%.
ZZHGF's 3-Year RORE % is ranked worse than 87.26% of 471
companies
in the Insurance industry
Industry Median: 11.68
vs ZZHGF: -53.41
ZhongAn Online P&C Insurance Co (OTCPK:ZZHGF) 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.
ZhongAn Online P&C Insurance Co 3-Year RORE % Related Terms
ZhongAn Online P&C Insurance Co 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.
ZhongAn Online P&C Insurance Co 3-Year RORE % Chart
For the Insurance - Property & Casualty subindustry, ZhongAn Online P&C Insurance Co'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.
ZhongAn Online P&C Insurance Co 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, ZhongAn Online P&C Insurance Co's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where ZhongAn Online P&C Insurance Co'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.
ZhongAn Online P&C Insurance Co (ZZHGF) has a 3-Year RORE % of -53.41 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 ZhongAn Online P&C Insurance Co and its competitors. According to the industry distribution chart, ZhongAn Online P&C Insurance Co ranks #411 out of 471 companies in the Insurance industry, placing it in the top 87.3%.
Is ZhongAn Online P&C Insurance Co's 3-Year RORE % too high?
ZhongAn Online P&C Insurance Co's current 3-Year RORE % is -53.41. Based on the distribution chart, ZhongAn Online P&C Insurance Co ranks #411 out of 471 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, ZhongAn Online P&C Insurance Co has a GF Score™ of 86/100, reflecting its overall financial health beyond just this single metric.
How does ZhongAn Online P&C Insurance Co's 3-Year RORE % compare to CB and PGR?
According to the Insurance industry distribution chart, ZhongAn Online P&C Insurance Co ranks #411 out of 471 companies for 3-Year RORE %. This places ZhongAn Online P&C Insurance Co in the lower half of its industry. The industry median 3-Year RORE % is 11.68. 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 11.68, 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. 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 ZhongAn Online P&C Insurance Co and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ZhongAn Online P&C Insurance Co's current 3-Year RORE % is -53.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ZhongAn Online P&C Insurance Co stock overvalued right now?
ZhongAn Online P&C Insurance Co (ZZHGF) has a current 3-Year RORE % of -53.41. The stock's GF Value™ is $2.28, compared to a current price of $1.50 — trading 34.2% below its estimated fair value. The current 3-Year RORE % is -53.41. ZhongAn Online P&C Insurance Co's overall GF Score™ is 86/100 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 ZhongAn Online P&C Insurance Co (ZZHGF), the current 3-Year RORE % is -53.41 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 ZhongAn Online P&C Insurance Co (ZZHGF) Overvalued in 2026?
Based on GuruFocus' analysis, ZhongAn Online P&C Insurance Co stock appears to be undervalued.
The current stock price of $1.50 is trading 34.2% below its estimated GF Value™ of $2.28.
Key valuation signals for ZZHGF:
3-Year RORE %: -53.41
GF Value™: $2.28 vs. price of $1.50 (34.2% below fair value)
No single metric tells the full story. See the ZZHGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ZhongAn Online P&C Insurance Co Business Description
ZhongAn Online P&C Insurance Co Ltd is principally engaged in Fintech business, which mainly provides internet insurance services and insurance information technology services to customers. Its operating segments includes; Insurance, Technology, Banking, and Others. The insurance segment offers online property and casualty insurance and services in the PRC and generates majority of the company's revenue.
86GF Score
Get the complete analysis for ZZHGF
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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