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AIRA Factoring PCLBKK:AF 40 3-Year RORE % is 500.00 as of Mar. 2026. GuruFocus rates BKK:AF with a GF Score™ of 40/100 and a GF Value™ of ฿0.58 (Possible Value Trap). The stock has 8 warning signs investors should review. Among 518 Credit Services companies, AIRA Factoring PCL ranks better than 97.68% 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.
AIRA Factoring PCL's 3-Year RORE % for the quarter that ended in Mar. 2026 was 500.00%.
The industry rank for AIRA Factoring PCL's 3-Year RORE % or its related term are showing as below:
BKK:AF's 3-Year RORE % is ranked better than 97.68% of 518
companies
in the Credit Services industry
Industry Median: 8.3
vs BKK:AF: 500.00
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.
AIRA Factoring PCL 3-Year RORE % Related Terms
AIRA Factoring PCL 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for AIRA Factoring PCL'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.
For the Credit Services subindustry, AIRA Factoring PCL'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.
AIRA Factoring PCL 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AIRA Factoring PCL's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where AIRA Factoring PCL'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.
AIRA Factoring PCL (BKK:AF) has a 3-Year RORE % of 500.00 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 AIRA Factoring PCL and its competitors. According to the industry distribution chart, AIRA Factoring PCL ranks #12 out of 518 companies in the Credit Services industry, placing it in the top 2.3%.
Is AIRA Factoring PCL's 3-Year RORE % too high?
AIRA Factoring PCL's current 3-Year RORE % is 500.00. The Credit Services industry median 3-Year RORE % is 8.30. AIRA Factoring PCL's value of 500.00 is 5924.1% above this industry median. Based on the distribution chart, AIRA Factoring PCL ranks #12 out of 518 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, AIRA Factoring PCL has a GF Score™ of 40/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does AIRA Factoring PCL's 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, AIRA Factoring PCL ranks #12 out of 518 companies for 3-Year RORE %. This places AIRA Factoring PCL in the top 2% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 8.30. AIRA Factoring PCL's value of 500.00 is 5924.1% 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 Credit Services company?
The median 3-Year RORE % among Credit Services companies is 8.30, based on 518 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. AIRA Factoring PCL's current 3-Year RORE % of 500.00 is 5924.1% 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 AIRA Factoring PCL and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AIRA Factoring PCL's current 3-Year RORE % is 500.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIRA Factoring PCL stock overvalued right now?
Based on GuruFocus' analysis, AIRA Factoring PCL (BKK:AF) is currently considered Possible Value Trap. The stock's GF Value™ is ฿0.58, compared to a current price of ฿0.38 — trading 34.5% below its estimated fair value. The current 3-Year RORE % is 500.00 and 5924.1% above the Credit Services industry median of 8.30. AIRA Factoring PCL's overall GF Score™ is 40/100 with 8 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 AIRA Factoring PCL (BKK:AF), the current 3-Year RORE % is 500.00 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 AIRA Factoring PCL (BKK:AF) Overvalued in 2026?
Based on GuruFocus' analysis, AIRA Factoring PCL stock appears to be undervalued.
The current stock price of ฿0.38 is trading 34.5% below its estimated GF Value™ of ฿0.58.
GuruFocus considers AIRA Factoring PCL to be Possible Value Trap.
Key valuation signals for BKK:AF:
3-Year RORE %: 500.00
GF Value™: ฿0.58 vs. price of ฿0.38 (34.5% below fair value)
Industry Position: 5924.1% above the Credit Services median (#12 of 518)
No single metric tells the full story. See the BKK:AF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AIRA Factoring PCL is a Thailand-based company principally engaged in the business of receivable factoring. It provides short-term financing services by transferring creditor's rights or factoring services. Its various service offerings include promissory note loans, e-factoring, supplier financing, long-term loans, and others. The company's main reportable operating segment of the Company is the provision of lending services to SME customers, comprising the factoring business and loan financing. Geographically, the company operates only in Thailand.
40GF Score
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