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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.
Howa Bank's 10-Year RORE % for the quarter that ended in Mar. 2026 was 0.47%.
The industry rank for Howa Bank's 10-Year RORE % or its related term are showing as below:
FSE:8559's 10-Year RORE % is ranked worse than 80.73% of 1090
companies
in the Banks industry
Industry Median: 10.33
vs FSE:8559: 0.47
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.
Howa Bank 10-Year RORE % Related Terms
Howa Bank 10-Year RORE % Historical Data
* Premium members only.
The historical data trend for Howa Bank'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.
For the Banks - Regional subindustry, Howa Bank'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.
Howa Bank 10-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Howa Bank's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where Howa Bank's 10-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 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.
Howa Bank (FSE:8559) has a 10-Year RORE % of 0.47 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 Howa Bank and its competitors. According to the industry distribution chart, Howa Bank ranks #880 out of 1090 companies in the Banks industry, placing it in the top 80.7%.
Is Howa Bank's 10-Year RORE % too high?
Howa Bank's current 10-Year RORE % is 0.47. The Banks industry median 10-Year RORE % is 10.33. Howa Bank's value of 0.47 is 95.5% below this industry median. Based on the distribution chart, Howa Bank ranks #880 out of 1090 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Howa Bank has a GF Score™ of 54/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Howa Bank's 10-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Howa Bank ranks #880 out of 1090 companies for 10-Year RORE %. This places Howa Bank in the lower half of its industry. The industry median 10-Year RORE % is 10.33. Howa Bank's value of 0.47 is 95.5% below 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 10.33, 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. Howa Bank's current 10-Year RORE % of 0.47 is 95.5% below 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 Howa Bank and its competitors. For the Banks industry, the median 10-Year RORE % is 10.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Howa Bank's current 10-Year RORE % is 0.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Howa Bank stock overvalued right now?
Based on GuruFocus' analysis, Howa Bank (FSE:8559) is currently considered Modestly Undervalued. The stock's GF Value™ is 円531.89, compared to a current price of 円476.00 — trading 10.5% below its estimated fair value. The current 10-Year RORE % is 0.47 and 95.5% below the Banks industry median of 10.33. Howa Bank's overall GF Score™ is 54/100 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 Howa Bank (FSE:8559), the current 10-Year RORE % is 0.47 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 Howa Bank (FSE:8559) Overvalued in 2026?
Based on GuruFocus' analysis, Howa Bank stock appears to be undervalued.
The current stock price of 円476.00 is trading 10.5% below its estimated GF Value™ of 円531.89.
GuruFocus considers Howa Bank to be Modestly Undervalued.
Key valuation signals for FSE:8559:
10-Year RORE %: 0.47
GF Value™: 円531.89 vs. price of 円476.00 (10.5% below fair value)
Industry Position: 95.5% below the Banks median (#880 of 1090)
No single metric tells the full story. See the FSE:8559 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Howa Bank Ltd is a Japan based regional bank. It provides banking products and services in Japan. Its deposit products include general account, saving account, current account, and property accumulation housing savings deposit. It offers housing loan, reform loan, card loan, free loan, education loan, auto loans and also provides insurance services.
54GF Score
Get the complete analysis for FSE:8559
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