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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.
Bajaj Finance's 3-Year RORE % for the quarter that ended in Mar. 2026 was 9.89%.
The industry rank for Bajaj Finance's 3-Year RORE % or its related term are showing as below:
BOM:500034's 3-Year RORE % is ranked better than 52.22% of 519
companies
in the Credit Services industry
Industry Median: 8.27
vs BOM:500034: 9.89
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.
Bajaj Finance 3-Year RORE % Related Terms
Bajaj Finance 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Bajaj Finance'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.
BOM:500034 vs V, MA, AXP: 3-Year RORE % Comparison
For the Credit Services subindustry, Bajaj Finance'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.
Bajaj Finance 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Bajaj Finance's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Bajaj Finance'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.
Bajaj Finance (BOM:500034) has a 3-Year RORE % of 9.89 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 Bajaj Finance and its competitors. According to the industry distribution chart, Bajaj Finance ranks #248 out of 519 companies in the Credit Services industry, placing it in the top 47.8%.
Is Bajaj Finance's 3-Year RORE % too high?
Bajaj Finance's current 3-Year RORE % is 9.89. The Credit Services industry median 3-Year RORE % is 8.27. Bajaj Finance's value of 9.89 is 19.6% above this industry median. Based on the distribution chart, Bajaj Finance ranks #248 out of 519 companies in the Credit Services industry, which is above the industry midpoint. Overall, Bajaj Finance has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bajaj Finance's 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Bajaj Finance ranks #248 out of 519 companies for 3-Year RORE %. This puts Bajaj Finance in the upper half of its industry. The industry median 3-Year RORE % is 8.27. Bajaj Finance's value of 9.89 is 19.6% 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 8.27, based on 519 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. Bajaj Finance's current 3-Year RORE % of 9.89 is 19.6% 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 Bajaj Finance and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bajaj Finance's current 3-Year RORE % is 9.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bajaj Finance stock overvalued right now?
Based on GuruFocus' analysis, Bajaj Finance (BOM:500034) is currently considered Fairly Valued. The stock's GF Value™ is ₹1,162.13, compared to a current price of ₹1,054.10 — trading 9.3% below its estimated fair value. The current 3-Year RORE % is 9.89 and 19.6% above the Credit Services industry median of 8.27. Bajaj Finance's overall GF Score™ is 65/100 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 Bajaj Finance (BOM:500034), the current 3-Year RORE % is 9.89 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 Bajaj Finance (BOM:500034) Overvalued in 2026?
Based on GuruFocus' analysis, Bajaj Finance stock appears to be undervalued.
The current stock price of ₹1,054.10 is trading 9.3% below its estimated GF Value™ of ₹1,162.13.
GuruFocus considers Bajaj Finance to be Fairly Valued.
Key valuation signals for BOM:500034:
3-Year RORE %: 9.89
GF Value™: ₹1,162.13 vs. price of ₹1,054.10 (9.3% below fair value)
Industry Position: 19.6% above the Credit Services median (#248 of 519)
No single metric tells the full story. See the BOM:500034 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bajaj Finance Ltd is the holding company for various financial services businesses under the Bajaj Group, which operates in India. The company is an NBFC in India offering payments, partnerships, services, and lending solutions to customers. The company's model is focused on the acquisition of customers and offering multiple loans and services on a cross-sell basis to meet their financial service needs. The company provides discretionary spending across consumer electronics, furniture, and digital products in India. The company's strategies and structure are closely aligned with those of commercial banks in India. All of its revenue is generated from India.
65GF Score
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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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