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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.
Bank of Baroda's 3-Year RORE % for the quarter that ended in Jun. 2026 was -1.99%.
The industry rank for Bank of Baroda's 3-Year RORE % or its related term are showing as below:
BOM:532134's 3-Year RORE % is ranked worse than 76.17% of 1469
companies
in the Banks industry
Industry Median: 11.61
vs BOM:532134: -1.99
Bank of Baroda (BOM:532134) 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.
Bank of Baroda 3-Year RORE % Related Terms
Bank of Baroda 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Bank of Baroda'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.
Bank of Baroda 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, Bank of Baroda'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.
Bank of Baroda 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Baroda's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Bank of Baroda'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 Jun. 2026 and 3-year before.
Bank of Baroda (BOM:532134) has a 3-Year RORE % of -1.99 as of Jun. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Bank of Baroda and its competitors. According to the industry distribution chart, Bank of Baroda ranks #1119 out of 1469 companies in the Banks industry, placing it in the top 76.2%.
Is Bank of Baroda's 3-Year RORE % too high?
Bank of Baroda's current 3-Year RORE % is -1.99. Based on the distribution chart, Bank of Baroda ranks #1119 out of 1469 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank of Baroda has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank of Baroda's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Bank of Baroda ranks #1119 out of 1469 companies for 3-Year RORE %. This places Bank of Baroda in the lower half of its industry. The industry median 3-Year RORE % is 11.61. 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 11.61, based on 1,469 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 Bank of Baroda and its competitors. For the Banks industry, the median 3-Year RORE % is 11.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Baroda's current 3-Year RORE % is -1.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Baroda stock overvalued right now?
Based on GuruFocus' analysis, Bank of Baroda (BOM:532134) is currently considered Fairly Valued. The stock's GF Value™ is ₹264.19, compared to a current price of ₹246.20 — trading 6.8% below its estimated fair value. The current 3-Year RORE % is -1.99. Bank of Baroda's 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 Bank of Baroda (BOM:532134), the current 3-Year RORE % is -1.99 as of Jun. 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 Bank of Baroda (BOM:532134) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Baroda stock appears to be undervalued.
The current stock price of ₹246.20 is trading 6.8% below its estimated GF Value™ of ₹264.19.
GuruFocus considers Bank of Baroda to be Fairly Valued.
Key valuation signals for BOM:532134:
3-Year RORE %: -1.99
GF Value™: ₹264.19 vs. price of ₹246.20 (6.8% below fair value)
No single metric tells the full story. See the BOM:532134 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Baroda is a state-owned banking and financial services company in India. It has four segments Treasury includes the entire investment portfolio and trading in foreign exchange contracts and derivative contracts; Corporate / Wholesale Banking comprises all the lending activities which are not included under Retail Banking; Retail Banking comprises of borrower accounts having exposure of upto 7.5 Crores. Digital Banking sub segment under retail segment represents balances of Digital Banking Units functioning in the bank as per RBI directive; and Other Banking Operations Segments. The bank generates majority of income from Retail Banking. It has presence in Domestic and International both of which majority of incomes is from Domestic.
69GF 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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