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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.
Muthoot Microfin's 3-Year RORE % for the quarter that ended in Jun. 2026 was -59.57%.
The industry rank for Muthoot Microfin's 3-Year RORE % or its related term are showing as below:
BOM:544055's 3-Year RORE % is ranked worse than 86.29% of 518
companies
in the Credit Services industry
Industry Median: 7.865
vs BOM:544055: -59.57
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.
Muthoot Microfin 3-Year RORE % Related Terms
Muthoot Microfin 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Muthoot Microfin'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:544055 vs V, MA, AXP: 3-Year RORE % Comparison
For the Credit Services subindustry, Muthoot Microfin'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.
Muthoot Microfin 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Muthoot Microfin's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Muthoot Microfin'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.
Muthoot Microfin (BOM:544055) has a 3-Year RORE % of -59.57 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 Muthoot Microfin and its competitors. According to the industry distribution chart, Muthoot Microfin ranks #447 out of 518 companies in the Credit Services industry, placing it in the top 86.3%.
Is Muthoot Microfin's 3-Year RORE % too high?
Muthoot Microfin's current 3-Year RORE % is -59.57. Based on the distribution chart, Muthoot Microfin ranks #447 out of 518 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Muthoot Microfin has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Muthoot Microfin's 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Muthoot Microfin ranks #447 out of 518 companies for 3-Year RORE %. This places Muthoot Microfin in the lower half of its industry. The industry median 3-Year RORE % is 7.87. 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. 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 Muthoot Microfin 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. Muthoot Microfin's current 3-Year RORE % is -59.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Muthoot Microfin stock overvalued right now?
Based on GuruFocus' analysis, Muthoot Microfin (BOM:544055) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹178.96, compared to a current price of ₹210.80 — trading 17.8% above its estimated fair value. The current 3-Year RORE % is -59.57. Muthoot Microfin's overall GF Score™ is 56/100 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 Muthoot Microfin (BOM:544055), the current 3-Year RORE % is -59.57 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 Muthoot Microfin (BOM:544055) Overvalued in 2026?
Based on GuruFocus' analysis, Muthoot Microfin stock appears to be overvalued.
The current stock price of ₹210.80 is trading 17.8% above its estimated GF Value™ of ₹178.96.
GuruFocus considers Muthoot Microfin to be Modestly Overvalued.
Key valuation signals for BOM:544055:
3-Year RORE %: -59.57
GF Value™: ₹178.96 vs. price of ₹210.80 (17.8% above fair value)
No single metric tells the full story. See the BOM:544055 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Muthoot Microfin Ltd is a microfinance institution providing micro-loans to women customers with a focus on rural regions of India. The company offers loan products such as group loans for livelihood solutions such as income generating loans, Pragathi loans, and individual loans; life betterment solutions including mobile phones loans, solar lighting product loans, and household appliances product loans; health and hygiene loans such as sanitation improvement loans; and secured loans in the form of gold loans and Muthoot Small & Growing Business loans.
56GF Score
Get the complete analysis for BOM:544055
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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