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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.
Capitec Bank Holdings's 3-Year RORE % for the quarter that ended in Feb. 2026 was 36.47%.
The industry rank for Capitec Bank Holdings's 3-Year RORE % or its related term are showing as below:
CKHGY's 3-Year RORE % is ranked better than 81.09% of 1465
companies
in the Banks industry
Industry Median: 9.96
vs CKHGY: 36.47
Capitec Bank Holdings (OTCPK:CKHGY) 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.
Capitec Bank Holdings 3-Year RORE % Related Terms
Capitec Bank Holdings 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Capitec Bank Holdings'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, Capitec Bank Holdings'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.
Capitec Bank Holdings 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Capitec Bank Holdings's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Capitec Bank Holdings'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 Feb. 2026 and 3-year before.
Capitec Bank Holdings (CKHGY) has a 3-Year RORE % of 36.47 as of Feb. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Capitec Bank Holdings and its competitors. According to the industry distribution chart, Capitec Bank Holdings ranks #277 out of 1465 companies in the Banks industry, placing it in the top 18.9%.
Is Capitec Bank Holdings' 3-Year RORE % too high?
Capitec Bank Holdings' current 3-Year RORE % is 36.47. The Banks industry median 3-Year RORE % is 9.96. Capitec Bank Holdings' value of 36.47 is 266.2% above this industry median. Based on the distribution chart, Capitec Bank Holdings ranks #277 out of 1465 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Capitec Bank Holdings has a GF Score™ of 89/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Capitec Bank Holdings' 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Capitec Bank Holdings ranks #277 out of 1465 companies for 3-Year RORE %. This places Capitec Bank Holdings in the top 19% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.96. Capitec Bank Holdings' value of 36.47 is 266.2% 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 9.96, based on 1,465 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. Capitec Bank Holdings's current 3-Year RORE % of 36.47 is 266.2% 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 Capitec Bank Holdings and its competitors. For the Banks industry, the median 3-Year RORE % is 9.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capitec Bank Holdings's current 3-Year RORE % is 36.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capitec Bank Holdings stock overvalued right now?
Based on GuruFocus' analysis, Capitec Bank Holdings (CKHGY) is currently considered Fairly Valued. The stock's GF Value™ is $130.11, compared to a current price of $142.94 — trading 9.9% above its estimated fair value. The current 3-Year RORE % is 36.47 and 266.2% above the Banks industry median of 9.96. Capitec Bank Holdings' overall GF Score™ is 89/100 with 1 warning sign 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 Capitec Bank Holdings (CKHGY), the current 3-Year RORE % is 36.47 as of Feb. 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 Capitec Bank Holdings (CKHGY) Overvalued in 2026?
Based on GuruFocus' analysis, Capitec Bank Holdings stock appears to be overvalued.
The current stock price of $142.94 is trading 9.9% above its estimated GF Value™ of $130.11.
GuruFocus considers Capitec Bank Holdings to be Fairly Valued.
Key valuation signals for CKHGY:
3-Year RORE %: 36.47
GF Value™: $130.11 vs. price of $142.94 (9.9% above fair value)
Industry Position: 266.2% above the Banks median (#277 of 1465)
No single metric tells the full story. See the CKHGY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Capitec Bank Holdings Ltd is a bank holding company along with its subsidiary, which conducts personal and business banking, online consumer lending, rental financing, holds an insurance cell captive, and has an insurance licence for life products. Its segments are Personal Banking, Business Banking, and the Insurance business.
89GF 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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