AAMTF (Armada Mercantile) 3-Year RORE % : 92.05% (As of Nov. 2025)


AAMTF Armada Mercantile Ltd AAMTF
31 GF Score
Price $0.25
GF Value $0.23
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Armada Mercantile 3-Year RORE %?

Armada Mercantile AAMTF 31 3-Year RORE % is 92.05 as of Nov. 2025. GuruFocus rates AAMTF with a GF Score™ of 31/100 and a GF Value™ of $0.23 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 764 Capital Markets companies, Armada Mercantile ranks better than 86.91% 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. Armada Mercantile's 3-Year RORE % for the quarter that ended in Nov. 2025 was 92.05%.

The industry rank for Armada Mercantile's 3-Year RORE % or its related term are showing as below:

AAMTF's 3-Year RORE % is ranked better than
86.91% of 764 companies
in the Capital Markets industry
Industry Median: 15.015 vs AAMTF: 92.05

Armada Mercantile  (OTCPK:AAMTF) 3-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, 3-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.


Armada Mercantile 3-Year RORE % Related Terms


Armada Mercantile 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for Armada Mercantile's 3-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.

Armada Mercantile 3-Year RORE % Chart

Armada Mercantile Annual Data
Trend Feb16 Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 109.50 71.69 -31.67 -99.20 106.75

Armada Mercantile Quarterly Data
Feb21 May21 Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25
3-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 -104.15 106.75 104.24 0.00 92.05

AAMTF vs MS, GS, SCHW: 3-Year RORE % Comparison

For the Capital Markets subindustry, Armada Mercantile's 3-Year RORE %, along with its competitors' market caps and 3-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.


Armada Mercantile 3-Year RORE % vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, Armada Mercantile's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where Armada Mercantile's 3-Year RORE % falls into.


AAMTF
31GF Score
Armada Mercantile Ltd AAMTF
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Armada Mercantile 3-Year RORE % Calculation

Armada Mercantile's 3-Year RORE % for the quarter that ended in Nov. 2025 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( -0.168--0.006 )/( -0.176-0 )
=-0.162/-0.176
=92.05 %

* 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Nov. 2025 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 92.05 mean?
Armada Mercantile (AAMTF) has a 3-Year RORE % of 92.05 as of Nov. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Armada Mercantile and its competitors. According to the industry distribution chart, Armada Mercantile ranks #100 out of 764 companies in the Capital Markets industry, placing it in the top 13.1%.
Is Armada Mercantile's 3-Year RORE % too high?
Armada Mercantile's current 3-Year RORE % is 92.05. The Capital Markets industry median 3-Year RORE % is 15.02. Armada Mercantile's value of 92.05 is 513.1% above this industry median. Based on the distribution chart, Armada Mercantile ranks #100 out of 764 companies in the Capital Markets industry, which is in the top quartile — a strong position relative to peers. Overall, Armada Mercantile has a GF Score™ of 31/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Armada Mercantile's 3-Year RORE % compare to MS and GS?
According to the Capital Markets industry distribution chart, Armada Mercantile ranks #100 out of 764 companies for 3-Year RORE %. This places Armada Mercantile in the top 13% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 15.02. Armada Mercantile's value of 92.05 is 513.1% 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 3-Year RORE % for a Capital Markets company?
The median 3-Year RORE % among Capital Markets companies is 15.02, based on 764 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Armada Mercantile's current 3-Year RORE % of 92.05 is 513.1% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Armada Mercantile and its competitors. For the Capital Markets industry, the median 3-Year RORE % is 15.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Armada Mercantile's current 3-Year RORE % is 92.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Armada Mercantile stock overvalued right now?
Based on GuruFocus' analysis, Armada Mercantile (AAMTF) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.23, compared to a current price of $0.25 — trading 8.7% above its estimated fair value. The current 3-Year RORE % is 92.05 and 513.1% above the Capital Markets industry median of 15.02. Armada Mercantile's overall GF Score™ is 31/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Armada Mercantile (AAMTF), the current 3-Year RORE % is 92.05 as of Nov. 2025. 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 Armada Mercantile (AAMTF) Overvalued in 2026?

Based on GuruFocus' analysis, Armada Mercantile stock appears to be overvalued. The current stock price of $0.25 is trading 8.7% above its estimated GF Value™ of $0.23. GuruFocus considers Armada Mercantile to be Significantly Overvalued.

Key valuation signals for AAMTF:

  • 3-Year RORE %: 92.05
  • GF Value™: $0.23 vs. price of $0.25 (8.7% above fair value)
  • GF Score™: 31/100 with 3 warning signs
  • Industry Position: 513.1% above the Capital Markets median (#100 of 764)

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


Armada Mercantile Business Description

Other Exchanges ARM:Canada
Address 1616 West 3rd Avenue, Suite 100, Vancouver, BC, CAN, V6J 1K2
Armada Mercantile Ltd is engaged in the business of investing in new and existing businesses and organizations. The company is a financial services company that focuses on merchant banking through its wholly-owned subsidiary Armada Group USA, Inc. The company, through its investment in Oxygen Funding, Inc. offers commercial finance services to companies; internationally, including account receivables "factoring", supply chain, equipment leasing, merchant cash advance and purchase order, and other types of specialized finance.
31GF Score

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

$0.25
Price
$0.23
GF Value