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.
Ameritrust Financial Technologies's 3-Year RORE % for the quarter that ended in Mar. 2026 was -58.93%.
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.
Ameritrust Financial Technologies 3-Year RORE % Related Terms
Ameritrust Financial Technologies 3-Year RORE % Historical Data
* 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.
AMTFF vs UBER, SHOP, CRM: 3-Year RORE % Comparison
For the Software - Application subindustry, Ameritrust Financial Technologies'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.
Ameritrust Financial Technologies 3-Year RORE % vs Software Industry
For the Software industry and Technology sector, Ameritrust Financial Technologies's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Ameritrust Financial Technologies'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.
Ameritrust Financial Technologies (AMTFF) has a 3-Year RORE % of -58.93 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 Ameritrust Financial Technologies and its competitors. According to the industry distribution chart, Ameritrust Financial Technologies ranks #2089 out of 2540 companies in the Software industry, placing it in the top 82.2%.
Is Ameritrust Financial Technologies' 3-Year RORE % too high?
Ameritrust Financial Technologies' current 3-Year RORE % is -58.93. Based on the distribution chart, Ameritrust Financial Technologies ranks #2089 out of 2540 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Ameritrust Financial Technologies has a GF Score™ of 31/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ameritrust Financial Technologies' 3-Year RORE % compare to UBER and SHOP?
According to the Software industry distribution chart, Ameritrust Financial Technologies ranks #2089 out of 2540 companies for 3-Year RORE %. This places Ameritrust Financial Technologies in the lower half of its industry. The industry median 3-Year RORE % is 2.94. 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 Software company?
The median 3-Year RORE % among Software companies is 2.94, based on 2,540 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. 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 Ameritrust Financial Technologies and its competitors. For the Software industry, the median 3-Year RORE % is 2.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ameritrust Financial Technologies's current 3-Year RORE % is -58.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ameritrust Financial Technologies stock overvalued right now?
Based on GuruFocus' analysis, Ameritrust Financial Technologies (AMTFF) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.03, compared to a current price of $0.18 — trading 485.7% above its estimated fair value. The current 3-Year RORE % is -58.93. Ameritrust Financial Technologies' overall GF Score™ is 31/100 with 6 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 Ameritrust Financial Technologies (AMTFF), the current 3-Year RORE % is -58.93 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 Ameritrust Financial Technologies (AMTFF) Overvalued in 2026?
Based on GuruFocus' analysis, Ameritrust Financial Technologies stock appears to be overvalued.
The current stock price of $0.18 is trading 485.7% above its estimated GF Value™ of $0.03.
GuruFocus considers Ameritrust Financial Technologies to be Significantly Overvalued.
Key valuation signals for AMTFF:
3-Year RORE %: -58.93
GF Value™: $0.03 vs. price of $0.18 (485.7% above fair value)
No single metric tells the full story. See the AMTFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ameritrust Financial Technologies Business Description
Ameritrust Financial Technologies Inc is a technology provider. It has developed a powerful suite of cloud-based transaction platforms to buy, sell, trade, finance, and lease new and used vehicles, which includes real-time appraisal services, market information, and financing solutions: The company has two segments: Canadian operations and U.S. operations. It derives maximum revenue from U.S operations.
31GF Score
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