Credit Immobilier et Hotelier (CAS:CIH) 10-Year RORE % : 44.08% (As of Mar. 2026)


CAS:CIH Credit Immobilier et Hotelier SA CAS:CIH
38 GF Score
Price MAD347.00
GF Value MAD413.73
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Credit Immobilier et Hotelier 10-Year RORE %?

Credit Immobilier et Hotelier CAS:CIH 38 10-Year RORE % is 44.08 as of Mar. 2026. GuruFocus rates CAS:CIH with a GF Score™ of 38/100 and a GF Value™ of MAD413.73 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,090 Banks companies, Credit Immobilier et Hotelier ranks better than 96.06% 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. Credit Immobilier et Hotelier's 10-Year RORE % for the quarter that ended in Mar. 2026 was 44.08%.

The industry rank for Credit Immobilier et Hotelier's 10-Year RORE % or its related term are showing as below:

CAS:CIH's 10-Year RORE % is ranked better than
96.06% of 1090 companies
in the Banks industry
Industry Median: 10.22 vs CAS:CIH: 44.08

Credit Immobilier et Hotelier  (CAS:CIH) 10-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, 10-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.


Credit Immobilier et Hotelier 10-Year RORE % Related Terms


Credit Immobilier et Hotelier 10-Year RORE % Historical Data

* Premium members only.

The historical data trend for Credit Immobilier et Hotelier's 10-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.

Credit Immobilier et Hotelier 10-Year RORE % Chart

Credit Immobilier et Hotelier Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
10-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 50.31

Credit Immobilier et Hotelier Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
10-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 61.13 67.70 0.00 50.31 44.08

CAS:CIH vs PNC, USB: 10-Year RORE % Comparison

For the Banks - Regional subindustry, Credit Immobilier et Hotelier's 10-Year RORE %, along with its competitors' market caps and 10-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.


Credit Immobilier et Hotelier 10-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, Credit Immobilier et Hotelier's 10-Year RORE % distribution charts can be found below:

* The bar in red indicates where Credit Immobilier et Hotelier's 10-Year RORE % falls into.


CAS:CIH
38GF Score
Credit Immobilier et Hotelier SA CAS:CIH
10-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Credit Immobilier et Hotelier 10-Year RORE % Calculation

Credit Immobilier et Hotelier's 10-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

10-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 10-year -Cumulative Dividends per Share for 10-year )
=( 30.9-4.518 )/( 191.501-131.656 )
=26.382/59.845
=44.08 %

* 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 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 10-year before.

Frequently Asked Questions Learn more about 10-Year RORE % →
What does a 10-Year RORE % of 44.08 mean?
Credit Immobilier et Hotelier (CAS:CIH) has a 10-Year RORE % of 44.08 as of Mar. 2026. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Credit Immobilier et Hotelier and its competitors. According to the industry distribution chart, Credit Immobilier et Hotelier ranks #43 out of 1090 companies in the Banks industry, placing it in the top 3.9%.
Is Credit Immobilier et Hotelier's 10-Year RORE % too high?
Credit Immobilier et Hotelier's current 10-Year RORE % is 44.08. The Banks industry median 10-Year RORE % is 10.22. Credit Immobilier et Hotelier's value of 44.08 is 331.3% above this industry median. Based on the distribution chart, Credit Immobilier et Hotelier ranks #43 out of 1090 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Credit Immobilier et Hotelier has a GF Score™ of 38/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Immobilier et Hotelier's 10-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Credit Immobilier et Hotelier ranks #43 out of 1090 companies for 10-Year RORE %. This places Credit Immobilier et Hotelier in the top 4% of its industry — outperforming the majority of peers. The industry median 10-Year RORE % is 10.22. Credit Immobilier et Hotelier's value of 44.08 is 331.3% 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 10-Year RORE % for a Banks company?
The median 10-Year RORE % among Banks companies is 10.22, based on 1,090 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Immobilier et Hotelier's current 10-Year RORE % of 44.08 is 331.3% 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Credit Immobilier et Hotelier and its competitors. For the Banks industry, the median 10-Year RORE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Immobilier et Hotelier's current 10-Year RORE % is 44.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Immobilier et Hotelier stock overvalued right now?
Based on GuruFocus' analysis, Credit Immobilier et Hotelier (CAS:CIH) is currently considered Modestly Undervalued. The stock's GF Value™ is MAD413.73, compared to a current price of MAD347.00 — trading 16.1% below its estimated fair value. The current 10-Year RORE % is 44.08 and 331.3% above the Banks industry median of 10.22. Credit Immobilier et Hotelier's overall GF Score™ is 38/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For Credit Immobilier et Hotelier (CAS:CIH), the current 10-Year RORE % is 44.08 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 Credit Immobilier et Hotelier (CAS:CIH) Overvalued in 2026?

Based on GuruFocus' analysis, Credit Immobilier et Hotelier stock appears to be undervalued. The current stock price of MAD347.00 is trading 16.1% below its estimated GF Value™ of MAD413.73. GuruFocus considers Credit Immobilier et Hotelier to be Modestly Undervalued.

Key valuation signals for CAS:CIH:

  • 10-Year RORE %: 44.08
  • GF Value™: MAD413.73 vs. price of MAD347.00 (16.1% below fair value)
  • GF Score™: 38/100 with 2 warning signs
  • Industry Position: 331.3% above the Banks median (#43 of 1090)

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


Credit Immobilier et Hotelier Business Description

Address 187, Avenue Hassan II, Casablanca, MAR, 20019
Credit Immobilier et Hotelier SA provides various banking products and services. It accepts checking, currency, and current accounts; and offers funding solutions. The company also provides bank cards; saving and investment products; and bancassurance, payment, transfer, international operation, and specialized services.
38GF Score

Get the complete analysis for CAS:CIH

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

MAD347.00
Price
MAD413.73
GF Value