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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.
SW Investments's 3-Year RORE % for the quarter that ended in Mar. 2026 was 50.37%.
The industry rank for SW Investments's 3-Year RORE % or its related term are showing as below:
BOM:503659's 3-Year RORE % is ranked better than 81.85% of 518
companies
in the Credit Services industry
Industry Median: 7.865
vs BOM:503659: 50.37
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.
SW Investments 3-Year RORE % Related Terms
SW Investments 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for SW Investments'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:503659 vs V, MA, AXP: 3-Year RORE % Comparison
For the Credit Services subindustry, SW Investments'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.
SW Investments 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SW Investments's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where SW Investments'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.
SW Investments (BOM:503659) has a 3-Year RORE % of 50.37 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 SW Investments and its competitors. According to the industry distribution chart, SW Investments ranks #94 out of 518 companies in the Credit Services industry, placing it in the top 18.1%.
Is SW Investments' 3-Year RORE % too high?
SW Investments' current 3-Year RORE % is 50.37. The Credit Services industry median 3-Year RORE % is 7.87. SW Investments' value of 50.37 is 540.4% above this industry median. Based on the distribution chart, SW Investments ranks #94 out of 518 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, SW Investments has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SW Investments' 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, SW Investments ranks #94 out of 518 companies for 3-Year RORE %. This places SW Investments in the top 18% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 7.87. SW Investments' value of 50.37 is 540.4% 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 7.87, 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. SW Investments's current 3-Year RORE % of 50.37 is 540.4% 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 SW Investments and its competitors. For the Credit Services industry, the median 3-Year RORE % is 7.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SW Investments's current 3-Year RORE % is 50.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SW Investments stock overvalued right now?
Based on GuruFocus' analysis, SW Investments (BOM:503659) is currently considered Fairly Valued. The stock's GF Value™ is ₹154.74, compared to a current price of ₹148.90 — trading 3.8% below its estimated fair value. The current 3-Year RORE % is 50.37 and 540.4% above the Credit Services industry median of 7.87. SW Investments' overall GF Score™ is 69/100 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 SW Investments (BOM:503659), the current 3-Year RORE % is 50.37 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 SW Investments (BOM:503659) Overvalued in 2026?
Based on GuruFocus' analysis, SW Investments stock appears to be undervalued.
The current stock price of ₹148.90 is trading 3.8% below its estimated GF Value™ of ₹154.74.
GuruFocus considers SW Investments to be Fairly Valued.
Key valuation signals for BOM:503659:
3-Year RORE %: 50.37
GF Value™: ₹154.74 vs. price of ₹148.90 (3.8% below fair value)
Industry Position: 540.4% above the Credit Services median (#94 of 518)
No single metric tells the full story. See the BOM:503659 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SW Investments Ltd is an India-based company providing financial and investment services. It holds assets in the form of investments in equity shares and debentures. It is engaged in holding securities in various companies. The company generates revenue in the form of interest and dividends.
69GF Score
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