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.
Commercial International Bank (Egypt) CIB's 3-Year RORE % for the quarter that ended in Mar. 2026 was 16.48%.
CHIX:CBKDl's 3-Year RORE % is ranked better than 79.8% of 1475
companies
in the Banks industry
Industry Median: 9.92
vs CHIX:CBKDl: 16.48
Commercial International Bank (Egypt) CIB (CHIX:CBKDl) 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.
Commercial International Bank (Egypt) CIB 3-Year RORE % Related Terms
Commercial International Bank (Egypt) CIB 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.
Commercial International Bank (Egypt) CIB 3-Year RORE % Chart
Commercial International Bank (Egypt) CIB Annual Data
Commercial International Bank (Egypt) CIB 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, Commercial International Bank (Egypt) CIB'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.
Commercial International Bank (Egypt) CIB 3-Year RORE % vs Banks Industry
* 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.
Commercial International Bank (Egypt) CIB (CHIX:CBKDL) has a 3-Year RORE % of 16.48 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 Commercial International Bank (Egypt) CIB and its competitors. According to the industry distribution chart, Commercial International Bank (Egypt) CIB ranks #298 out of 1475 companies in the Banks industry, placing it in the top 20.2%.
Is Commercial International Bank (Egypt) CIB's 3-Year RORE % too high?
Commercial International Bank (Egypt) CIB's current 3-Year RORE % is 16.48. The Banks industry median 3-Year RORE % is 9.92. Commercial International Bank (Egypt) CIB's value of 16.48 is 66.1% above this industry median. Based on the distribution chart, Commercial International Bank (Egypt) CIB ranks #298 out of 1475 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Commercial International Bank (Egypt) CIB has a GF Score™ of 91/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Commercial International Bank (Egypt) CIB's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Commercial International Bank (Egypt) CIB ranks #298 out of 1475 companies for 3-Year RORE %. This places Commercial International Bank (Egypt) CIB in the top 20% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.92. Commercial International Bank (Egypt) CIB's value of 16.48 is 66.1% 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 9.92, based on 1,475 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. Commercial International Bank (Egypt) CIB's current 3-Year RORE % of 16.48 is 66.1% 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 Commercial International Bank (Egypt) CIB and its competitors. For the Banks industry, the median 3-Year RORE % is 9.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial International Bank (Egypt) CIB's current 3-Year RORE % is 16.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commercial International Bank (Egypt) CIB stock overvalued right now?
Based on GuruFocus' analysis, Commercial International Bank (Egypt) CIB (CHIX:CBKDL) is currently considered Fairly Valued. The stock's GF Value™ is $2.66, compared to a current price of $2.72 — trading 2.3% above its estimated fair value. The current 3-Year RORE % is 16.48 and 66.1% above the Banks industry median of 9.92. Commercial International Bank (Egypt) CIB's overall GF Score™ is 91/100 with 6 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 Commercial International Bank (Egypt) CIB (CHIX:CBKDL), the current 3-Year RORE % is 16.48 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 Commercial International Bank (Egypt) CIB (CHIX:CBKDL) Overvalued in 2026?
Based on GuruFocus' analysis, Commercial International Bank (Egypt) CIB stock appears to be overvalued.
The current stock price of $2.72 is trading 2.3% above its estimated GF Value™ of $2.66.
GuruFocus considers Commercial International Bank (Egypt) CIB to be Fairly Valued.
Key valuation signals for CHIX:CBKDL:
3-Year RORE %: 16.48
GF Value™: $2.66 vs. price of $2.72 (2.3% above fair value)
Industry Position: 66.1% above the Banks median (#298 of 1475)
No single metric tells the full story. See the CHIX:CBKDL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Commercial International Bank (Egypt) CIB Business Description
Commercial International Bank (Egypt) CIB is a private-sector bank in Egypt. It provides retail, corporate and investment banking services to retail customers, high-net-worth individuals, and enterprises and institutions across Egypt. The company's business segments are: i) Corporate banking & SME's, Investment, Retail banking, Assets and liabilities management. The majority of the company's revenue is derived from the Corporate banking & SME's segment, which includes current account activities, deposits, overdrafts, loans, credit facilities, and financial derivatives to large, medium, and small entities, currency and derivative products.
91GF Score
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