Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
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.
Powszechny Zaklad Ubezpieczen's 5-Year RORE % for the quarter that ended in Jun. 2026 was 24.78%.
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, 5-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.
Powszechny Zaklad Ubezpieczen 5-Year RORE % Related Terms
Powszechny Zaklad Ubezpieczen 5-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.
LTS:0MYY vs CB, PGR, TRV: 5-Year RORE % Comparison
For the Insurance - Property & Casualty subindustry, Powszechny Zaklad Ubezpieczen's 5-Year RORE %, along with its competitors' market caps and 5-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.
Powszechny Zaklad Ubezpieczen 5-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Powszechny Zaklad Ubezpieczen's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where Powszechny Zaklad Ubezpieczen's 5-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 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Jun. 2026 and 5-year before.
Powszechny Zaklad Ubezpieczen (LTS:0MYY) has a 5-Year RORE % of 24.78 as of Jun. 2026. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Powszechny Zaklad Ubezpieczen and its competitors. According to the industry distribution chart, Powszechny Zaklad Ubezpieczen ranks #155 out of 448 companies in the Insurance industry, placing it in the top 34.6%.
Is Powszechny Zaklad Ubezpieczen's 5-Year RORE % too high?
Powszechny Zaklad Ubezpieczen's current 5-Year RORE % is 24.78. The Insurance industry median 5-Year RORE % is 14.87. Powszechny Zaklad Ubezpieczen's value of 24.78 is 66.6% above this industry median. Based on the distribution chart, Powszechny Zaklad Ubezpieczen ranks #155 out of 448 companies in the Insurance industry, which is above the industry midpoint. Overall, Powszechny Zaklad Ubezpieczen has a GF Score™ of 85/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Powszechny Zaklad Ubezpieczen's 5-Year RORE % compare to CB and PGR?
According to the Insurance industry distribution chart, Powszechny Zaklad Ubezpieczen ranks #155 out of 448 companies for 5-Year RORE %. This puts Powszechny Zaklad Ubezpieczen in the upper half of its industry. The industry median 5-Year RORE % is 14.87. Powszechny Zaklad Ubezpieczen's value of 24.78 is 66.6% 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 5-Year RORE % for an Insurance company?
The median 5-Year RORE % among Insurance companies is 14.87, based on 448 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Powszechny Zaklad Ubezpieczen's current 5-Year RORE % of 24.78 is 66.6% 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 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Powszechny Zaklad Ubezpieczen and its competitors. For the Insurance industry, the median 5-Year RORE % is 14.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Powszechny Zaklad Ubezpieczen's current 5-Year RORE % is 24.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Powszechny Zaklad Ubezpieczen stock overvalued right now?
Based on GuruFocus' analysis, Powszechny Zaklad Ubezpieczen (LTS:0MYY) is currently considered Fairly Valued. The stock's GF Value™ is zł40.08, compared to a current price of zł42.09 — trading 5% above its estimated fair value. The current 5-Year RORE % is 24.78 and 66.6% above the Insurance industry median of 14.87. Powszechny Zaklad Ubezpieczen's overall GF Score™ is 85/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For Powszechny Zaklad Ubezpieczen (LTS:0MYY), the current 5-Year RORE % is 24.78 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 Powszechny Zaklad Ubezpieczen (LTS:0MYY) Overvalued in 2026?
Based on GuruFocus' analysis, Powszechny Zaklad Ubezpieczen stock appears to be overvalued.
The current stock price of zł42.09 is trading 5% above its estimated GF Value™ of zł40.08.
GuruFocus considers Powszechny Zaklad Ubezpieczen to be Fairly Valued.
Key valuation signals for LTS:0MYY:
5-Year RORE %: 24.78
GF Value™: zł40.08 vs. price of zł42.09 (5% above fair value)
Industry Position: 66.6% above the Insurance median (#155 of 448)
No single metric tells the full story. See the LTS:0MYY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Powszechny Zaklad Ubezpieczen SA is a property and casualty insurance company that operates in the Central and Eastern European region with an emphasis on the Polish market. The company's main strategic objectives include stable financial results, broad growth, and innovation. The vast majority of Powszechny's revenue is generated from gross written premiums, followed by results of its investment activities. The company serves clients through its own agency network along with sales through external agency centers.
85GF Score
Get the complete analysis for LTS:0MYY
5-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
LTS:0MYY has been successfully added to your 
