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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.
Banco Nacional de Credito CA's 3-Year RORE % for the quarter that ended in Dec. 2025 was 107.36%.
Banco Nacional de Credito CA (CAR:BNC) 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.
Banco Nacional de Credito CA 3-Year RORE % Related Terms
Banco Nacional de Credito CA 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.
For the Banks - Regional subindustry, Banco Nacional de Credito CA'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.
Banco Nacional de Credito CA 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Nacional de Credito CA's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Banco Nacional de Credito CA'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 Dec. 2025 and 3-year before.
Banco Nacional de Credito CA (CAR:BNC) has a 3-Year RORE % of 107.36 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Banco Nacional de Credito CA and its competitors. According to the industry distribution chart, Banco Nacional de Credito CA ranks #60 out of 1470 companies in the Banks industry, placing it in the top 4.1%.
Is Banco Nacional de Credito CA's 3-Year RORE % too high?
Banco Nacional de Credito CA's current 3-Year RORE % is 107.36. The Banks industry median 3-Year RORE % is 10.07. Banco Nacional de Credito CA's value of 107.36 is 966.7% above this industry median. Based on the distribution chart, Banco Nacional de Credito CA ranks #60 out of 1470 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banco Nacional de Credito CA has a GF Score™ of 96/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Nacional de Credito CA's 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Nacional de Credito CA ranks #60 out of 1470 companies for 3-Year RORE %. This places Banco Nacional de Credito CA in the top 4% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 10.07. Banco Nacional de Credito CA's value of 107.36 is 966.7% 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 10.07, based on 1,470 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. Banco Nacional de Credito CA's current 3-Year RORE % of 107.36 is 966.7% 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 Banco Nacional de Credito CA and its competitors. For the Banks industry, the median 3-Year RORE % is 10.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Nacional de Credito CA's current 3-Year RORE % is 107.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Nacional de Credito CA stock overvalued right now?
Based on GuruFocus' analysis, Banco Nacional de Credito CA (CAR:BNC) is currently considered Significantly Overvalued. The stock's GF Value™ is VES233.69, compared to a current price of VES462.00 — trading 97.7% above its estimated fair value. The current 3-Year RORE % is 107.36 and 966.7% above the Banks industry median of 10.07. Banco Nacional de Credito CA's overall GF Score™ is 96/100 with 2 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 Banco Nacional de Credito CA (CAR:BNC), the current 3-Year RORE % is 107.36 as of Dec. 2025. 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 Banco Nacional de Credito CA (CAR:BNC) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Nacional de Credito CA stock appears to be overvalued.
The current stock price of VES462.00 is trading 97.7% above its estimated GF Value™ of VES233.69.
GuruFocus considers Banco Nacional de Credito CA to be Significantly Overvalued.
Key valuation signals for CAR:BNC:
3-Year RORE %: 107.36
GF Value™: VES233.69 vs. price of VES462.00 (97.7% above fair value)
Industry Position: 966.7% above the Banks median (#60 of 1470)
No single metric tells the full story. See the CAR:BNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressFrancisco de Miranda Avenue between Los Cortijos Avenue, BNC Tower, Campo Alegre Urbanization, Chacao Municipality, Capital District, Caracas, VEN
Banco Nacional de Credito CA operates as a commercial bank in Venezuela. The group's business objective is to provide financial intermediation which consists of the procurement of funds for the purpose of granting credits and it also invests in securities.
96GF Score
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