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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.
Sahara Housingfina's 3-Year RORE % for the quarter that ended in Mar. 2026 was -44.48%.
The industry rank for Sahara Housingfina's 3-Year RORE % or its related term are showing as below:
BOM:511533's 3-Year RORE % is ranked worse than 93.31% of 1464
companies
in the Banks industry
Industry Median: 11.165
vs BOM:511533: -44.48
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.
Sahara Housingfina 3-Year RORE % Related Terms
Sahara Housingfina 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Sahara Housingfina'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:511533 vs RKT, FNMA, PFSI: 3-Year RORE % Comparison
For the Mortgage Finance subindustry, Sahara Housingfina'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.
Sahara Housingfina 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Sahara Housingfina's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Sahara Housingfina'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.
Sahara Housingfina (BOM:511533) has a 3-Year RORE % of -44.48 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 Sahara Housingfina and its competitors. According to the industry distribution chart, Sahara Housingfina ranks #1366 out of 1464 companies in the Banks industry, placing it in the top 93.3%.
Is Sahara Housingfina's 3-Year RORE % too high?
Sahara Housingfina's current 3-Year RORE % is -44.48. Based on the distribution chart, Sahara Housingfina ranks #1366 out of 1464 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Sahara Housingfina has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sahara Housingfina's 3-Year RORE % compare to RKT and FNMA?
According to the Banks industry distribution chart, Sahara Housingfina ranks #1366 out of 1464 companies for 3-Year RORE %. This places Sahara Housingfina in the lower half of its industry. The industry median 3-Year RORE % is 11.17. 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 11.17, based on 1,464 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 Sahara Housingfina and its competitors. For the Banks industry, the median 3-Year RORE % is 11.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sahara Housingfina's current 3-Year RORE % is -44.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sahara Housingfina stock overvalued right now?
Based on GuruFocus' analysis, Sahara Housingfina (BOM:511533) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹35.67, compared to a current price of ₹39.83 — trading 11.7% above its estimated fair value. The current 3-Year RORE % is -44.48. Sahara Housingfina's overall GF Score™ is 62/100 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 Sahara Housingfina (BOM:511533), the current 3-Year RORE % is -44.48 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 Sahara Housingfina (BOM:511533) Overvalued in 2026?
Based on GuruFocus' analysis, Sahara Housingfina stock appears to be overvalued.
The current stock price of ₹39.83 is trading 11.7% above its estimated GF Value™ of ₹35.67.
GuruFocus considers Sahara Housingfina to be Modestly Overvalued.
Key valuation signals for BOM:511533:
3-Year RORE %: -44.48
GF Value™: ₹35.67 vs. price of ₹39.83 (11.7% above fair value)
No single metric tells the full story. See the BOM:511533 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sahara Housingfina Corp Ltd is an Indian company engaged in carrying out activities of housing finance companies (Housing Loans and Non-Housing Loans). Its product portfolio includes Individual Housing Loans, Home Improvement Loans, Home Extension loans, Land Loans, Home Loan Plus, Mortgage Loans, Non-Residential Property Loans, Home Loan Enhancement, and Loan Take Over / Balance Transfer. The company is exclusively engaged in the Housing Finance business, and revenues are mainly derived from this activity. The company generates the majority of its revenue from Interest Income.
62GF Score
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