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.
Makati Finance's 10-Year RORE % for the quarter that ended in Mar. 2026 was -85.65%.
The industry rank for Makati Finance's 10-Year RORE % or its related term are showing as below:
PHS:MFIN's 10-Year RORE % is ranked worse than 95.39% of 369
companies
in the Credit Services industry
Industry Median: 8.47
vs PHS:MFIN: -85.65
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.
Makati Finance 10-Year RORE % Related Terms
Makati Finance 10-Year RORE % Historical Data
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The historical data trend for Makati Finance'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 Credit Services subindustry, Makati Finance'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.
Makati Finance 10-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Makati Finance's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where Makati Finance'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.
Makati Finance (PHS:MFIN) has a 10-Year RORE % of -85.65 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 Makati Finance and its competitors. According to the industry distribution chart, Makati Finance ranks #352 out of 369 companies in the Credit Services industry, placing it in the top 95.4%.
Is Makati Finance's 10-Year RORE % too high?
Makati Finance's current 10-Year RORE % is -85.65. Based on the distribution chart, Makati Finance ranks #352 out of 369 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Makati Finance has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Makati Finance's 10-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Makati Finance ranks #352 out of 369 companies for 10-Year RORE %. This places Makati Finance in the lower half of its industry. The industry median 10-Year RORE % is 8.47. 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 Credit Services company?
The median 10-Year RORE % among Credit Services companies is 8.47, based on 369 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. 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 Makati Finance and its competitors. For the Credit Services industry, the median 10-Year RORE % is 8.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Makati Finance's current 10-Year RORE % is -85.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Makati Finance stock overvalued right now?
Based on GuruFocus' analysis, Makati Finance (PHS:MFIN) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱1.65, compared to a current price of ₱2.36 — trading 43% above its estimated fair value. The current 10-Year RORE % is -85.65. Makati Finance's overall GF Score™ is 57/100 with 9 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 Makati Finance (PHS:MFIN), the current 10-Year RORE % is -85.65 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 Makati Finance (PHS:MFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Makati Finance stock appears to be overvalued.
The current stock price of ₱2.36 is trading 43% above its estimated GF Value™ of ₱1.65.
GuruFocus considers Makati Finance to be Significantly Overvalued.
Key valuation signals for PHS:MFIN:
10-Year RORE %: -85.65
GF Value™: ₱1.65 vs. price of ₱2.36 (43% above fair value)
No single metric tells the full story. See the PHS:MFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Makati Finance Corp provides financial services and advisory to its clients. It is engaged in stock dealership functions, credit line extensions, and acceptance of private placements. It has expanded its product lines from its traditional Rx Cashline, MFC Factors (receivables financing) Business Loans; Motorcycle Financing to include new financial products lines recently introduced by the company namely: corporate salary loans; personal loans; micro business loans; pension loans; car loans and leisure bikes financing. Its segments include Rx Cashline Group; Business Loans, Motor Vehicles Financing Group, Car Loans, and Other Segments. It derives revenue from Business Loans which grants loans to finance business owners who wish to expand its business or for the purpose of starting capital.
57GF Score
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10-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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