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.
Credit Immobilier et Hotelier's 3-Year RORE % for the quarter that ended in Mar. 2026 was 14.55%.
CAS:CIH's 3-Year RORE % is ranked better than 59.71% of 1472
companies
in the Banks industry
Industry Median: 9.93
vs CAS:CIH: 14.55
Credit Immobilier et Hotelier (CAS:CIH) 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.
Credit Immobilier et Hotelier 3-Year RORE % Related Terms
Credit Immobilier et Hotelier 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, Credit Immobilier et Hotelier'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.
Credit Immobilier et Hotelier 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Credit Immobilier et Hotelier's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Credit Immobilier et Hotelier'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 Mar. 2026 and 3-year before.
Credit Immobilier et Hotelier (CAS:CIH) has a 3-Year RORE % of 14.55 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Credit Immobilier et Hotelier and its competitors. According to the industry distribution chart, Credit Immobilier et Hotelier ranks #593 out of 1472 companies in the Banks industry, placing it in the top 40.3%.
Is Credit Immobilier et Hotelier's 3-Year RORE % too high?
Credit Immobilier et Hotelier's current 3-Year RORE % is 14.55. The Banks industry median 3-Year RORE % is 9.93. Credit Immobilier et Hotelier's value of 14.55 is 46.5% above this industry median. Based on the distribution chart, Credit Immobilier et Hotelier ranks #593 out of 1472 companies in the Banks industry, which is above the industry midpoint. Overall, Credit Immobilier et Hotelier has a GF Score™ of 32/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Immobilier et Hotelier's 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Credit Immobilier et Hotelier ranks #593 out of 1472 companies for 3-Year RORE %. This puts Credit Immobilier et Hotelier in the upper half of its industry. The industry median 3-Year RORE % is 9.93. Credit Immobilier et Hotelier's value of 14.55 is 46.5% 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 9.93, based on 1,472 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. Credit Immobilier et Hotelier's current 3-Year RORE % of 14.55 is 46.5% 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 Credit Immobilier et Hotelier and its competitors. For the Banks industry, the median 3-Year RORE % is 9.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Immobilier et Hotelier's current 3-Year RORE % is 14.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Immobilier et Hotelier stock overvalued right now?
Based on GuruFocus' analysis, Credit Immobilier et Hotelier (CAS:CIH) is currently considered Modestly Undervalued. The stock's GF Value™ is MAD413.96, compared to a current price of MAD347.00 — trading 16.2% below its estimated fair value. The current 3-Year RORE % is 14.55 and 46.5% above the Banks industry median of 9.93. Credit Immobilier et Hotelier's overall GF Score™ is 32/100 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 Credit Immobilier et Hotelier (CAS:CIH), the current 3-Year RORE % is 14.55 as of Mar. 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 Credit Immobilier et Hotelier (CAS:CIH) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Immobilier et Hotelier stock appears to be undervalued.
The current stock price of MAD347.00 is trading 16.2% below its estimated GF Value™ of MAD413.96.
GuruFocus considers Credit Immobilier et Hotelier to be Modestly Undervalued.
Key valuation signals for CAS:CIH:
3-Year RORE %: 14.55
GF Value™: MAD413.96 vs. price of MAD347.00 (16.2% below fair value)
Industry Position: 46.5% above the Banks median (#593 of 1472)
No single metric tells the full story. See the CAS:CIH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Immobilier et Hotelier Business Description
Credit Immobilier et Hotelier SA provides various banking products and services. It accepts checking, currency, and current accounts; and offers funding solutions. The company also provides bank cards; saving and investment products; and bancassurance, payment, transfer, international operation, and specialized services.
32GF Score
Get the complete analysis for CAS:CIH
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CAS:CIH has been successfully added to your 
