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.
AMMB Holdings Bhd's 3-Year RORE % for the quarter that ended in Mar. 2026 was 14.04%.
The industry rank for AMMB Holdings Bhd's 3-Year RORE % or its related term are showing as below:
AMMHF's 3-Year RORE % is ranked worse than 57.77% of 1473
companies
in the Banks industry
Industry Median: 9.87
vs AMMHF: 14.04
AMMB Holdings Bhd (OTCPK:AMMHF) 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.
AMMB Holdings Bhd 3-Year RORE % Related Terms
AMMB Holdings Bhd 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for AMMB Holdings Bhd'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.
AMMB Holdings Bhd 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, AMMB Holdings Bhd'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.
AMMB Holdings Bhd 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, AMMB Holdings Bhd's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where AMMB Holdings Bhd's 3-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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
AMMB Holdings Bhd (AMMHF) has a 3-Year RORE % of 14.04 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on AMMB Holdings Bhd and its competitors. According to the industry distribution chart, AMMB Holdings Bhd ranks #851 out of 1473 companies in the Banks industry, placing it in the top 57.8%.
Is AMMB Holdings Bhd's 3-Year RORE % too high?
AMMB Holdings Bhd's current 3-Year RORE % is 14.04. The Banks industry median 3-Year RORE % is 9.87. AMMB Holdings Bhd's value of 14.04 is 42.2% above this industry median. Based on the distribution chart, AMMB Holdings Bhd ranks #851 out of 1473 companies in the Banks industry, which is below the industry midpoint. Overall, AMMB Holdings Bhd has a GF Score™ of 53/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AMMB Holdings Bhd's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, AMMB Holdings Bhd ranks #851 out of 1473 companies for 3-Year RORE %. This places AMMB Holdings Bhd in the lower half of its industry. The industry median 3-Year RORE % is 9.87. AMMB Holdings Bhd's value of 14.04 is 42.2% 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 Banks company?
The median 3-Year RORE % among Banks companies is 9.87, based on 1,473 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. AMMB Holdings Bhd's current 3-Year RORE % of 14.04 is 42.2% 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 AMMB Holdings Bhd and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMMB Holdings Bhd's current 3-Year RORE % is 14.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AMMB Holdings Bhd stock overvalued right now?
Based on GuruFocus' analysis, AMMB Holdings Bhd (AMMHF) is currently considered Modestly Undervalued. The stock's GF Value™ is $1.12, compared to a current price of $1.26 — trading 12.1% above its estimated fair value. The current 3-Year RORE % is 14.04 and 42.2% above the Banks industry median of 9.87. AMMB Holdings Bhd's overall GF Score™ is 53/100 with 5 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 AMMB Holdings Bhd (AMMHF), the current 3-Year RORE % is 14.04 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 AMMB Holdings Bhd (AMMHF) Overvalued in 2026?
Based on GuruFocus' analysis, AMMB Holdings Bhd stock appears to be overvalued.
The current stock price of $1.26 is trading 12.1% above its estimated GF Value™ of $1.12.
GuruFocus considers AMMB Holdings Bhd to be Modestly Undervalued.
Key valuation signals for AMMHF:
3-Year RORE %: 14.04
GF Value™: $1.12 vs. price of $1.26 (12.1% above fair value)
Industry Position: 42.2% above the Banks median (#851 of 1473)
No single metric tells the full story. See the AMMHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AMMB Holdings Bhd is a provider of banking and financial services in Malaysia through its subsidiaries: AmBank and AmBank Islamic. The bank's substantial segment which contributes the vast majority of revenue, is retail banking. The retail banking segment provides individuals and small businesses with services such as credit, auto financing, mortgages, credit cards, capital financing, personal loans, deposits, current accounts, and savings accounts. The wholesale banking business engages with corporate finance and advisory services, restructuring, security issuance, futures market services, stockbroking, and derivatives services. The insurance division offers life and general insurance products via its partnership with MetLife International. Investment banking, Fund management.
53GF Score
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