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Republic Financial Hol (TRN:RFHL) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 Banks - Regional subindustry, Republic Financial Hol's ROE %, along with its competitors' market caps and ROE % 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.
Republic Financial Hol ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Republic Financial Hol's ROE % distribution charts can be found below:
* The bar in red indicates where Republic Financial Hol's ROE % 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 annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Republic Financial Hol (TRN:RFHL) has a ROE % of 12.23% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Republic Financial Hol and its competitors. This is 11% below median its historical median of 13.80. Over the past decade, Republic Financial Hol's ROE % has ranged from 8.78 to 16.01. According to the industry distribution chart, Republic Financial Hol ranks #306 out of 1524 companies in the Banks industry, placing it in the top 20.1%.
Is Republic Financial Hol's ROE % too high?
Republic Financial Hol's current ROE % of 12.23% is 11% below median its 10-year median of 13.80. Over the past 10 years, this metric has ranged from a low of 8.78 to a high of 16.01. The Banks industry median ROE % is 10.33. Republic Financial Hol's value of 12.23% is 18.4% above this industry median. Based on the distribution chart, Republic Financial Hol ranks #306 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Republic Financial Hol has a GF Score™ of 87/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Republic Financial Hol's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Republic Financial Hol ranks #306 out of 1524 companies for ROE %. This places Republic Financial Hol in the top 20% of its industry — outperforming the majority of peers. The industry median ROE % is 10.33. Republic Financial Hol's value of 12.23% is 18.4% above this benchmark. Historically, Republic Financial Hol's own ROE % has ranged from 8.78 to 16.01 over the past decade. While the company's 10-year median is 13.80 vs. the industry median of 10.33, Republic Financial Hol has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.33, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Republic Financial Hol's current ROE % of 12.23% is 18.4% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Republic Financial Hol and its competitors. For the Banks industry, the median ROE % is 10.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Republic Financial Hol's current ROE % is 12.23%, which is 11% below median its own 10-year median of 13.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Republic Financial Hol stock overvalued right now?
Based on GuruFocus' analysis, Republic Financial Hol (TRN:RFHL) is currently considered Modestly Undervalued. The stock's GF Value™ is TTD128.50, compared to a current price of TTD109.35 — trading 14.9% below its estimated fair value. The current ROE % is 12.23%, which is 11% below median its 10-year median of 13.80 and 18.4% above the Banks industry median of 10.33. Republic Financial Hol's overall GF Score™ is 87/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Republic Financial Hol (TRN:RFHL), the current ROE % is 12.23% 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 Republic Financial Hol (TRN:RFHL) Overvalued in 2026?
Based on GuruFocus' analysis, Republic Financial Hol stock appears to be undervalued.
The current stock price of TTD109.35 is trading 14.9% below its estimated GF Value™ of TTD128.50.
GuruFocus considers Republic Financial Hol to be Modestly Undervalued.
Key valuation signals for TRN:RFHL:
ROE %: 12.23% (11% below median its 10-year median of 13.80)
GF Value™: TTD128.50 vs. price of TTD109.35 (14.9% below fair value)
Industry Position: 18.4% above the Banks median (#306 of 1524)
No single metric tells the full story. See the TRN:RFHL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Republic Financial Hol Ltd is a financial services group comprising several subsidiaries and associated companies. The company is engaged in providing a wide range of banking, financial, and related services to retail and commercial banking customers, corporate clients, and governments. It operates in two segments: retail and commercial banking, which generates maximum revenue, and other financial services. The company operates in the following geographical segments: Trinidad & Tobago, Barbados, Suriname, Eastern Caribbean, Guyana, Ghana, Cayman Islands, and the British Virgin Islands. It derives key revenue from its operations in Trinidad & Tobago.
87GF Score
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