National Reinsurance of the Philippines (PHS:NRCP) 5-Year RORE % : 34.73% (As of Mar. 2026)


PHS:NRCP National Reinsurance Corp of the Philippines PHS:NRCP
43 GF Score
Price ₱0.94
GF Value ₱0.61
Valuation Significantly Overvalued
! 2 Warning Signs
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What is National Reinsurance of the Philippines 5-Year RORE %?

National Reinsurance of the Philippines PHS:NRCP -1.05% 43 5-Year RORE % is 34.73 as of Mar. 2026. GuruFocus rates PHS:NRCP with a GF Score™ of 43/100 and a GF Value™ of ₱0.61 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 450 Insurance companies, National Reinsurance of the Philippines ranks better than 78.44% on this metric.

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. National Reinsurance of the Philippines's 5-Year RORE % for the quarter that ended in Mar. 2026 was 34.73%.

The industry rank for National Reinsurance of the Philippines's 5-Year RORE % or its related term are showing as below:

PHS:NRCP's 5-Year RORE % is ranked better than
78.44% of 450 companies
in the Insurance industry
Industry Median: 11.09 vs PHS:NRCP: 34.73

National Reinsurance of the Philippines  (PHS:NRCP) 5-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, 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.


National Reinsurance of the Philippines 5-Year RORE % Related Terms


National Reinsurance of the Philippines 5-Year RORE % Historical Data

* Premium members only.

The historical data trend for National Reinsurance of the Philippines's 5-Year RORE % can be seen below:

* 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.

National Reinsurance of the Philippines 5-Year RORE % Chart

National Reinsurance of the Philippines Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
5-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.00 -16.05 37.26 30.86 32.53

National Reinsurance of the Philippines Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
5-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -1.44 -4.32 19.43 32.53 34.73

PHS:NRCP vs RGA, EG, RNR: 5-Year RORE % Comparison

For the Insurance - Reinsurance subindustry, National Reinsurance of the Philippines'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.


National Reinsurance of the Philippines 5-Year RORE % vs Insurance Industry

For the Insurance industry and Financial Services sector, National Reinsurance of the Philippines's 5-Year RORE % distribution charts can be found below:

* The bar in red indicates where National Reinsurance of the Philippines's 5-Year RORE % falls into.


PHS:NRCP
43GF Score
National Reinsurance Corp of the Philippines PHS:NRCP
5-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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National Reinsurance of the Philippines 5-Year RORE % Calculation

National Reinsurance of the Philippines's 5-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

5-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 5-year -Cumulative Dividends per Share for 5-year )
=( 0.381-0.032 )/( 1.005-0 )
=0.349/1.005
=34.73 %

* 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 Mar. 2026 and 5-year before.

Frequently Asked Questions Learn more about 5-Year RORE % →
What does a 5-Year RORE % of 34.73 mean?
National Reinsurance of the Philippines (PHS:NRCP) has a 5-Year RORE % of 34.73 as of Mar. 2026. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on National Reinsurance of the Philippines and its competitors. According to the industry distribution chart, National Reinsurance of the Philippines ranks #97 out of 450 companies in the Insurance industry, placing it in the top 21.6%.
Is National Reinsurance of the Philippines' 5-Year RORE % too high?
National Reinsurance of the Philippines' current 5-Year RORE % is 34.73. The Insurance industry median 5-Year RORE % is 11.09. National Reinsurance of the Philippines' value of 34.73 is 213.2% above this industry median. Based on the distribution chart, National Reinsurance of the Philippines ranks #97 out of 450 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, National Reinsurance of the Philippines has a GF Score™ of 43/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Reinsurance of the Philippines' 5-Year RORE % compare to RGA and EG?
According to the Insurance industry distribution chart, National Reinsurance of the Philippines ranks #97 out of 450 companies for 5-Year RORE %. This places National Reinsurance of the Philippines in the top 22% of its industry — outperforming the majority of peers. The industry median 5-Year RORE % is 11.09. National Reinsurance of the Philippines' value of 34.73 is 213.2% 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 11.09, based on 450 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. National Reinsurance of the Philippines's current 5-Year RORE % of 34.73 is 213.2% 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 National Reinsurance of the Philippines and its competitors. For the Insurance industry, the median 5-Year RORE % is 11.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Reinsurance of the Philippines's current 5-Year RORE % is 34.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Reinsurance of the Philippines stock overvalued right now?
Based on GuruFocus' analysis, National Reinsurance of the Philippines (PHS:NRCP) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱0.61, compared to a current price of ₱0.94 — trading 54.1% above its estimated fair value. The current 5-Year RORE % is 34.73 and 213.2% above the Insurance industry median of 11.09. National Reinsurance of the Philippines' overall GF Score™ is 43/100 with 2 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 National Reinsurance of the Philippines (PHS:NRCP), the current 5-Year RORE % is 34.73 as of Mar. 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 National Reinsurance of the Philippines (PHS:NRCP) Overvalued in 2026?

Based on GuruFocus' analysis, National Reinsurance of the Philippines stock appears to be overvalued. The current stock price of ₱0.94 is trading 54.1% above its estimated GF Value™ of ₱0.61. GuruFocus considers National Reinsurance of the Philippines to be Significantly Overvalued.

Key valuation signals for PHS:NRCP:

  • 5-Year RORE %: 34.73
  • GF Value™: ₱0.61 vs. price of ₱0.94 (54.1% above fair value)
  • GF Score™: 43/100 with 2 warning signs
  • Industry Position: 213.2% above the Insurance median (#97 of 450)

No single metric tells the full story. See the PHS:NRCP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


National Reinsurance of the Philippines Business Description

Address 6811 Ayala Avenue, 31st Floor, BPI AIA, Makati, PHL, 1227
National Reinsurance Corp of the Philippines engages in the provision of reinsurance products and services. It operates through the following businesses: life and non-life. The Life Business includes proportional insurance for individual, ordinary, and group businesses, as well as non-proportional insurance for catastrophe, an excess of loss, and stop loss. Non-Life Business provides insurance on fire, aviation, marine and aviation, casualty, motor, and others.
43GF Score

Get the complete analysis for PHS:NRCP

5-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱0.94
Price
₱0.61
GF Value