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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.
Scintilla Commercial & Credit's 3-Year RORE % for the quarter that ended in Jun. 2026 was 28.00%.
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.
Scintilla Commercial & Credit 3-Year RORE % Related Terms
Scintilla Commercial & Credit 3-Year RORE % Historical Data
* 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:538857 vs V, MA, AXP: 3-Year RORE % Comparison
For the Credit Services subindustry, Scintilla Commercial & Credit'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.
Scintilla Commercial & Credit 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Scintilla Commercial & Credit's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Scintilla Commercial & Credit'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.
Scintilla Commercial & Credit (BOM:538857) has a 3-Year RORE % of 28.00 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 Scintilla Commercial & Credit and its competitors. According to the industry distribution chart, Scintilla Commercial & Credit ranks #273 out of 518 companies in the Credit Services industry, placing it in the top 52.7%.
Is Scintilla Commercial & Credit's 3-Year RORE % too high?
Scintilla Commercial & Credit's current 3-Year RORE % is 28.00. The Credit Services industry median 3-Year RORE % is 7.45. Scintilla Commercial & Credit's value of 28.00 is 276.1% above this industry median. Based on the distribution chart, Scintilla Commercial & Credit ranks #273 out of 518 companies in the Credit Services industry, which is below the industry midpoint. Overall, Scintilla Commercial & Credit has a GF Score™ of 39/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Scintilla Commercial & Credit's 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Scintilla Commercial & Credit ranks #273 out of 518 companies for 3-Year RORE %. This places Scintilla Commercial & Credit in the lower half of its industry. The industry median 3-Year RORE % is 7.45. Scintilla Commercial & Credit's value of 28.00 is 276.1% 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 7.45, 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. Scintilla Commercial & Credit's current 3-Year RORE % of 28.00 is 276.1% 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 Scintilla Commercial & Credit and its competitors. For the Credit Services industry, the median 3-Year RORE % is 7.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Scintilla Commercial & Credit's current 3-Year RORE % is 28.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Scintilla Commercial & Credit stock overvalued right now?
Based on GuruFocus' analysis, Scintilla Commercial & Credit (BOM:538857) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹5.65, compared to a current price of ₹10.21 — trading 80.7% above its estimated fair value. The current 3-Year RORE % is 28.00 and 276.1% above the Credit Services industry median of 7.45. Scintilla Commercial & Credit's overall GF Score™ is 39/100 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 Scintilla Commercial & Credit (BOM:538857), the current 3-Year RORE % is 28.00 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 Scintilla Commercial & Credit (BOM:538857) Overvalued in 2026?
Based on GuruFocus' analysis, Scintilla Commercial & Credit stock appears to be overvalued.
The current stock price of ₹10.21 is trading 80.7% above its estimated GF Value™ of ₹5.65.
GuruFocus considers Scintilla Commercial & Credit to be Significantly Overvalued.
Key valuation signals for BOM:538857:
3-Year RORE %: 28.00
GF Value™: ₹5.65 vs. price of ₹10.21 (80.7% above fair value)
Industry Position: 276.1% above the Credit Services median (#273 of 518)
No single metric tells the full story. See the BOM:538857 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Scintilla Commercial & Credit Ltd is a non-banking financial company. The company is engaged in the business of providing loans and advances and investment in shares of other companies. The company generates revenue from Interest income.
39GF Score
Get the complete analysis for BOM:538857
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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