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.
Avarda Bank AB's 3-Year RORE % for the quarter that ended in Mar. 2026 was 17.78%.
The industry rank for Avarda Bank AB's 3-Year RORE % or its related term are showing as below:
CHIX:AVARDs's 3-Year RORE % is ranked better than 67.26% of 1469
companies
in the Banks industry
Industry Median: 9.87
vs CHIX:AVARDs: 17.78
Avarda Bank AB (CHIX:AVARDs) 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.
Avarda Bank AB 3-Year RORE % Related Terms
Avarda Bank AB 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Avarda Bank AB'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.
For the Banks - Regional subindustry, Avarda Bank AB'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.
Avarda Bank AB 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Avarda Bank AB's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Avarda Bank AB'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.
Avarda Bank AB (CHIX:AVARDS) has a 3-Year RORE % of 17.78 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 Avarda Bank AB and its competitors. According to the industry distribution chart, Avarda Bank AB ranks #481 out of 1469 companies in the Banks industry, placing it in the top 32.7%.
Is Avarda Bank AB's 3-Year RORE % too high?
Avarda Bank AB's current 3-Year RORE % is 17.78. The Banks industry median 3-Year RORE % is 9.87. Avarda Bank AB's value of 17.78 is 80.1% above this industry median. Based on the distribution chart, Avarda Bank AB ranks #481 out of 1469 companies in the Banks industry, which is above the industry midpoint. Overall, Avarda Bank AB has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Avarda Bank AB's 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Avarda Bank AB ranks #481 out of 1469 companies for 3-Year RORE %. This puts Avarda Bank AB in the upper half of its industry. The industry median 3-Year RORE % is 9.87. Avarda Bank AB's value of 17.78 is 80.1% 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 Banks company?
The median 3-Year RORE % among Banks companies is 9.87, based on 1,469 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. Avarda Bank AB's current 3-Year RORE % of 17.78 is 80.1% 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 Avarda Bank AB and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Avarda Bank AB's current 3-Year RORE % is 17.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Avarda Bank AB stock overvalued right now?
Based on GuruFocus' analysis, Avarda Bank AB (CHIX:AVARDS) is currently considered Significantly Overvalued. The stock's GF Value™ is kr135.51, compared to a current price of kr177.40 — trading 30.9% above its estimated fair value. The current 3-Year RORE % is 17.78 and 80.1% above the Banks industry median of 9.87. Avarda Bank AB's overall GF Score™ is 76/100 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 Avarda Bank AB (CHIX:AVARDS), the current 3-Year RORE % is 17.78 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 Avarda Bank AB (CHIX:AVARDS) Overvalued in 2026?
Based on GuruFocus' analysis, Avarda Bank AB stock appears to be overvalued.
The current stock price of kr177.40 is trading 30.9% above its estimated GF Value™ of kr135.51.
GuruFocus considers Avarda Bank AB to be Significantly Overvalued.
Key valuation signals for CHIX:AVARDS:
3-Year RORE %: 17.78
GF Value™: kr135.51 vs. price of kr177.40 (30.9% above fair value)
Industry Position: 80.1% above the Banks median (#481 of 1469)
No single metric tells the full story. See the CHIX:AVARDS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Avarda Bank AB is a credit market company that provides secure, flexible, unified payment solutions for retailers in Europe. Through its white-label model, it enables merchants to own and control the entire customer journey, strengthening brand awareness, increasing conversion and customer lifetime value, and driving loyalty.
76GF Score
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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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