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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.
Utkarsh Small Finance Bank's 3-Year RORE % for the quarter that ended in Jun. 2026 was 181.35%.
The industry rank for Utkarsh Small Finance Bank's 3-Year RORE % or its related term are showing as below:
BOM:543942's 3-Year RORE % is ranked better than 98.23% of 1465
companies
in the Banks industry
Industry Median: 11.15
vs BOM:543942: 181.35
Utkarsh Small Finance Bank (BOM:543942) 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.
Utkarsh Small Finance Bank 3-Year RORE % Related Terms
Utkarsh Small Finance Bank 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.
Utkarsh Small Finance Bank 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, Utkarsh Small Finance Bank'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.
Utkarsh Small Finance Bank 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Utkarsh Small Finance Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Utkarsh Small Finance Bank'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.
Utkarsh Small Finance Bank (BOM:543942) has a 3-Year RORE % of 181.35 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 Utkarsh Small Finance Bank and its competitors. According to the industry distribution chart, Utkarsh Small Finance Bank ranks #26 out of 1465 companies in the Banks industry, placing it in the top 1.8%.
Is Utkarsh Small Finance Bank's 3-Year RORE % too high?
Utkarsh Small Finance Bank's current 3-Year RORE % is 181.35. The Banks industry median 3-Year RORE % is 11.15. Utkarsh Small Finance Bank's value of 181.35 is 1526.5% above this industry median. Based on the distribution chart, Utkarsh Small Finance Bank ranks #26 out of 1465 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Utkarsh Small Finance Bank has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Utkarsh Small Finance Bank's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Utkarsh Small Finance Bank ranks #26 out of 1465 companies for 3-Year RORE %. This places Utkarsh Small Finance Bank in the top 2% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 11.15. Utkarsh Small Finance Bank's value of 181.35 is 1526.5% 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 Banks company?
The median 3-Year RORE % among Banks companies is 11.15, based on 1,465 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. Utkarsh Small Finance Bank's current 3-Year RORE % of 181.35 is 1526.5% 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 Utkarsh Small Finance Bank and its competitors. For the Banks industry, the median 3-Year RORE % is 11.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Utkarsh Small Finance Bank's current 3-Year RORE % is 181.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Utkarsh Small Finance Bank stock overvalued right now?
Based on GuruFocus' analysis, Utkarsh Small Finance Bank (BOM:543942) is currently considered Fairly Valued. The stock's GF Value™ is ₹14.93, compared to a current price of ₹14.59 — trading 2.3% below its estimated fair value. The current 3-Year RORE % is 181.35 and 1526.5% above the Banks industry median of 11.15. Utkarsh Small Finance Bank'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 Utkarsh Small Finance Bank (BOM:543942), the current 3-Year RORE % is 181.35 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 Utkarsh Small Finance Bank (BOM:543942) Overvalued in 2026?
Based on GuruFocus' analysis, Utkarsh Small Finance Bank stock appears to be undervalued.
The current stock price of ₹14.59 is trading 2.3% below its estimated GF Value™ of ₹14.93.
GuruFocus considers Utkarsh Small Finance Bank to be Fairly Valued.
Key valuation signals for BOM:543942:
3-Year RORE %: 181.35
GF Value™: ₹14.93 vs. price of ₹14.59 (2.3% below fair value)
Industry Position: 1526.5% above the Banks median (#26 of 1465)
No single metric tells the full story. See the BOM:543942 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Utkarsh Small Finance Bank Ltd is an SFB in India. It offers a range of financial products and services that address the specific requirements of its customer segments while assessing factors including income profile and the type of security available. Its asset products include Microbanking loans, retail loans, wholesale lending, housing loans, commercial vehicle/construction equipment loans, and gold loans. On the liabilities side, the company offers savings accounts, current accounts, and a variety of term and recurring deposit accounts. The Bank's business segment includes Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. The bank generates the majority of its revenue from the Retail Banking segment.
65GF Score
Get the complete analysis for BOM:543942
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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