ELLH (Elah Holdings) 3-Year RORE % : 3.70% (As of Sep. 2025)


ELLH Elah Holdings Inc ELLH
51 GF Score
Price $13.00
GF Value $19.94
Valuation Possible Value Trap
! 3 Warning Signs
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What is Elah Holdings 3-Year RORE %?

Elah Holdings ELLH 51 3-Year RORE % is 3.70 as of Sep. 2025. GuruFocus rates ELLH with a GF Score™ of 51/100 and a GF Value™ of $19.94 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 217 Diversified Financial Services companies, Elah Holdings ranks worse than 50.69% on this metric.

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. Elah Holdings's 3-Year RORE % for the quarter that ended in Sep. 2025 was 3.70%.

The industry rank for Elah Holdings's 3-Year RORE % or its related term are showing as below:

ELLH's 3-Year RORE % is ranked worse than
50.69% of 217 companies
in the Diversified Financial Services industry
Industry Median: 4.93 vs ELLH: 3.70

Elah Holdings  (OTCPK:ELLH) 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.


Elah Holdings 3-Year RORE % Related Terms


Elah Holdings 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for Elah 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.

Elah Holdings 3-Year RORE % Chart

Elah Holdings Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -100.98 44.53 10.17 8.46 -4.10

Elah Holdings Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -1.33 -4.10 0.00 1.92 3.70

ELLH vs NIMU, BOREF, EDGM: 3-Year RORE % Comparison

For the Shell Companies subindustry, Elah 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.


Elah Holdings 3-Year RORE % vs Diversified Financial Services Industry

For the Diversified Financial Services industry and Financial Services sector, Elah Holdings's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where Elah Holdings's 3-Year RORE % falls into.


ELLH
51GF Score
Elah Holdings Inc ELLH
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Elah Holdings 3-Year RORE % Calculation

Elah Holdings's 3-Year RORE % for the quarter that ended in Sep. 2025 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( -3.26--2.92 )/( -9.18-0 )
=-0.34/-9.18
=3.70 %

* 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 Sep. 2025 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 3.70 mean?
Elah Holdings (ELLH) has a 3-Year RORE % of 3.70 as of Sep. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Elah Holdings and its competitors. According to the industry distribution chart, Elah Holdings ranks #110 out of 217 companies in the Diversified Financial Services industry, placing it in the top 50.7%.
Is Elah Holdings' 3-Year RORE % too high?
Elah Holdings' current 3-Year RORE % is 3.70. The Diversified Financial Services industry median 3-Year RORE % is 4.93. Elah Holdings' value of 3.70 is 24.9% below this industry median. Based on the distribution chart, Elah Holdings ranks #110 out of 217 companies in the Diversified Financial Services industry, which is below the industry midpoint. Overall, Elah Holdings has a GF Score™ of 51/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Elah Holdings' 3-Year RORE % compare to NIMU and BOREF?
According to the Diversified Financial Services industry distribution chart, Elah Holdings ranks #110 out of 217 companies for 3-Year RORE %. This places Elah Holdings in the lower half of its industry. The industry median 3-Year RORE % is 4.93. Elah Holdings' value of 3.70 is 24.9% below 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 Diversified Financial Services company?
The median 3-Year RORE % among Diversified Financial Services companies is 4.93, based on 217 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. Elah Holdings's current 3-Year RORE % of 3.70 is 24.9% below 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 Elah Holdings and its competitors. For the Diversified Financial Services industry, the median 3-Year RORE % is 4.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Elah Holdings's current 3-Year RORE % is 3.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Elah Holdings stock overvalued right now?
Based on GuruFocus' analysis, Elah Holdings (ELLH) is currently considered Possible Value Trap. The stock's GF Value™ is $19.94, compared to a current price of $13.00 — trading 34.8% below its estimated fair value. The current 3-Year RORE % is 3.70 and 24.9% below the Diversified Financial Services industry median of 4.93. Elah Holdings' overall GF Score™ is 51/100 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 Elah Holdings (ELLH), the current 3-Year RORE % is 3.70 as of Sep. 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 Elah Holdings (ELLH) Overvalued in 2026?

Based on GuruFocus' analysis, Elah Holdings stock appears to be undervalued. The current stock price of $13.00 is trading 34.8% below its estimated GF Value™ of $19.94. GuruFocus considers Elah Holdings to be Possible Value Trap.

Key valuation signals for ELLH:

  • 3-Year RORE %: 3.70
  • GF Value™: $19.94 vs. price of $13.00 (34.8% below fair value)
  • GF Score™: 51/100 with 3 warning signs
  • Industry Position: 24.9% below the Diversified Financial Services median (#110 of 217)

No single metric tells the full story. See the ELLH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Elah Holdings Business Description

Address 4514 Cole Avenue, Suite 1600, Dallas, TX, USA, 75205
Elah Holdings Inc is a holding company. The company has operated as one single segment and continues to execute its longstanding business plan of seeking to acquire profitable businesses in the commercial and industrial markets and supporting the performance of such acquisitions post-closing.
51GF Score

Get the complete analysis for ELLH

3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$13.00
Price
$19.94
GF Value