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.
Manx Financial Group's 3-Year RORE % for the quarter that ended in Dec. 2025 was 6.47%.
The industry rank for Manx Financial Group's 3-Year RORE % or its related term are showing as below:
FRA:3IM's 3-Year RORE % is ranked worse than 59.78% of 1472
companies
in the Banks industry
Industry Median: 9.875
vs FRA:3IM: 6.47
Manx Financial Group (FRA:3IM) 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.
Manx Financial Group 3-Year RORE % Related Terms
Manx Financial Group 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Manx Financial Group'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, Manx Financial Group'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.
Manx Financial Group 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Manx Financial Group's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Manx Financial Group'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 Dec. 2025 and 3-year before.
Manx Financial Group (FRA:3IM) has a 3-Year RORE % of 6.47 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Manx Financial Group and its competitors. According to the industry distribution chart, Manx Financial Group ranks #880 out of 1472 companies in the Banks industry, placing it in the top 59.8%.
Is Manx Financial Group's 3-Year RORE % too high?
Manx Financial Group's current 3-Year RORE % is 6.47. The Banks industry median 3-Year RORE % is 9.88. Manx Financial Group's value of 6.47 is 34.5% below this industry median. Based on the distribution chart, Manx Financial Group ranks #880 out of 1472 companies in the Banks industry, which is below the industry midpoint. Overall, Manx Financial Group has a GF Score™ of 46/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Manx Financial Group's 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Manx Financial Group ranks #880 out of 1472 companies for 3-Year RORE %. This places Manx Financial Group in the lower half of its industry. The industry median 3-Year RORE % is 9.88. Manx Financial Group's value of 6.47 is 34.5% 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 Banks company?
The median 3-Year RORE % among Banks companies is 9.88, 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. Manx Financial Group's current 3-Year RORE % of 6.47 is 34.5% 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 Manx Financial Group and its competitors. For the Banks industry, the median 3-Year RORE % is 9.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Manx Financial Group's current 3-Year RORE % is 6.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Manx Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Manx Financial Group (FRA:3IM) is currently considered Fairly Valued. The stock's GF Value™ is €0.22, compared to a current price of €0.23 — trading 4.6% above its estimated fair value. The current 3-Year RORE % is 6.47 and 34.5% below the Banks industry median of 9.88. Manx Financial Group's overall GF Score™ is 46/100 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 Manx Financial Group (FRA:3IM), the current 3-Year RORE % is 6.47 as of Dec. 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 Manx Financial Group (FRA:3IM) Overvalued in 2026?
Based on GuruFocus' analysis, Manx Financial Group stock appears to be overvalued.
The current stock price of €0.23 is trading 4.6% above its estimated GF Value™ of €0.22.
GuruFocus considers Manx Financial Group to be Fairly Valued.
Key valuation signals for FRA:3IM:
3-Year RORE %: 6.47
GF Value™: €0.22 vs. price of €0.23 (4.6% above fair value)
Industry Position: 34.5% below the Banks median (#880 of 1472)
No single metric tells the full story. See the FRA:3IM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Manx Financial Group PLC is a banking company. The group along with its subsidiaries offers retail and commercial banking services, payment solutions, wealth management, general insurance, and life insurance. It operates in three product orientated segments along with investing activities: Asset and Personal Finance (including provision of HP contracts, finance leases, personal loans, commercial loans, block discounting, vehicle stocking plans and wholesale funding agreements); Edgewater Associates Limited (provision of financial advice); and MFX Limited (provision of foreign currency transaction services). The Group currently operates in one geographic segment comprising of the Isle of Man, and UK region.
46GF Score
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