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.
Resimac Group's 3-Year RORE % for the quarter that ended in Dec. 2025 was 5.26%.
The industry rank for Resimac Group's 3-Year RORE % or its related term are showing as below:
ASX:RMC's 3-Year RORE % is ranked worse than 62.05% of 1473
companies
in the Banks industry
Industry Median: 9.87
vs ASX:RMC: 5.26
Resimac Group (ASX:RMC) 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.
Resimac Group 3-Year RORE % Related Terms
Resimac Group 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Resimac Group'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.
ASX:RMC vs RKT, FNMA, PFSI: 3-Year RORE % Comparison
For the Mortgage Finance subindustry, Resimac Group'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.
Resimac Group 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Resimac Group's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Resimac Group'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 Dec. 2025 and 3-year before.
Resimac Group (ASX:RMC) has a 3-Year RORE % of 5.26 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Resimac Group and its competitors. According to the industry distribution chart, Resimac Group ranks #914 out of 1473 companies in the Banks industry, placing it in the top 62.1%.
Is Resimac Group's 3-Year RORE % too high?
Resimac Group's current 3-Year RORE % is 5.26. The Banks industry median 3-Year RORE % is 9.87. Resimac Group's value of 5.26 is 46.7% below this industry median. Based on the distribution chart, Resimac Group ranks #914 out of 1473 companies in the Banks industry, which is below the industry midpoint. Overall, Resimac Group has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Resimac Group's 3-Year RORE % compare to RKT and FNMA?
According to the Banks industry distribution chart, Resimac Group ranks #914 out of 1473 companies for 3-Year RORE %. This places Resimac Group in the lower half of its industry. The industry median 3-Year RORE % is 9.87. Resimac Group's value of 5.26 is 46.7% 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 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. Resimac Group's current 3-Year RORE % of 5.26 is 46.7% 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 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 Resimac Group 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. Resimac Group's current 3-Year RORE % is 5.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Resimac Group stock overvalued right now?
Based on GuruFocus' analysis, Resimac Group (ASX:RMC) is currently considered Possible Value Trap. The stock's GF Value™ is A$1.23, compared to a current price of A$0.83 — trading 32.9% below its estimated fair value. The current 3-Year RORE % is 5.26 and 46.7% below the Banks industry median of 9.87. Resimac Group's overall GF Score™ is 62/100 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 Resimac Group (ASX:RMC), the current 3-Year RORE % is 5.26 as of Dec. 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 Resimac Group (ASX:RMC) Overvalued in 2026?
Based on GuruFocus' analysis, Resimac Group stock appears to be undervalued.
The current stock price of A$0.83 is trading 32.9% below its estimated GF Value™ of A$1.23.
GuruFocus considers Resimac Group to be Possible Value Trap.
Key valuation signals for ASX:RMC:
3-Year RORE %: 5.26
GF Value™: A$1.23 vs. price of A$0.83 (32.9% below fair value)
Industry Position: 46.7% below the Banks median (#914 of 1473)
No single metric tells the full story. See the ASX:RMC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Resimac Group Ltd provides and services residential mortgage and asset finance lending products through third-party channels in Australia. It focuses on originating and managing a high-quality loan portfolio supported by a flexible international capital markets funding program. The Group offers lending products for consumers and SMEs, distributed via accredited brokers and wholesale channels. It maintains funding relationships and has experience in both international and domestic securitisation markets. The Group operates a risk management framework based on the three lines of defence. Its three segments are Home Loan Lending, New Zealand Lending, and Asset Finance Lending, with the majority of revenue coming from Home Loan Lending.
62GF Score
Get the complete analysis for ASX:RMC
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASX:RMC has been successfully added to your 
