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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.
BNP Paribas Bank Polska's 3-Year RORE % for the quarter that ended in Mar. 2026 was 33.72%.
The industry rank for BNP Paribas Bank Polska's 3-Year RORE % or its related term are showing as below:
FRA:82MA's 3-Year RORE % is ranked better than 85.11% of 1471
companies
in the Banks industry
Industry Median: 9.89
vs FRA:82MA: 33.72
BNP Paribas Bank Polska (FRA:82MA) 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.
BNP Paribas Bank Polska 3-Year RORE % Related Terms
BNP Paribas Bank Polska 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.
For the Banks - Regional subindustry, BNP Paribas Bank Polska'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.
BNP Paribas Bank Polska 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, BNP Paribas Bank Polska's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where BNP Paribas Bank Polska'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.
BNP Paribas Bank Polska (FRA:82MA) has a 3-Year RORE % of 33.72 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 BNP Paribas Bank Polska and its competitors. According to the industry distribution chart, BNP Paribas Bank Polska ranks #219 out of 1471 companies in the Banks industry, placing it in the top 14.9%.
Is BNP Paribas Bank Polska's 3-Year RORE % too high?
BNP Paribas Bank Polska's current 3-Year RORE % is 33.72. The Banks industry median 3-Year RORE % is 9.89. BNP Paribas Bank Polska's value of 33.72 is 241% above this industry median. Based on the distribution chart, BNP Paribas Bank Polska ranks #219 out of 1471 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BNP Paribas Bank Polska has a GF Score™ of 78/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BNP Paribas Bank Polska's 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, BNP Paribas Bank Polska ranks #219 out of 1471 companies for 3-Year RORE %. This places BNP Paribas Bank Polska in the top 15% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.89. BNP Paribas Bank Polska's value of 33.72 is 241% 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 9.89, based on 1,471 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. BNP Paribas Bank Polska's current 3-Year RORE % of 33.72 is 241% 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 BNP Paribas Bank Polska and its competitors. For the Banks industry, the median 3-Year RORE % is 9.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BNP Paribas Bank Polska's current 3-Year RORE % is 33.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BNP Paribas Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, BNP Paribas Bank Polska (FRA:82MA) is currently considered Significantly Overvalued. The stock's GF Value™ is €21.93, compared to a current price of €34.60 — trading 57.8% above its estimated fair value. The current 3-Year RORE % is 33.72 and 241% above the Banks industry median of 9.89. BNP Paribas Bank Polska's overall GF Score™ is 78/100 with 7 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 BNP Paribas Bank Polska (FRA:82MA), the current 3-Year RORE % is 33.72 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 BNP Paribas Bank Polska (FRA:82MA) Overvalued in 2026?
Based on GuruFocus' analysis, BNP Paribas Bank Polska stock appears to be overvalued.
The current stock price of €34.60 is trading 57.8% above its estimated GF Value™ of €21.93.
GuruFocus considers BNP Paribas Bank Polska to be Significantly Overvalued.
Key valuation signals for FRA:82MA:
3-Year RORE %: 33.72
GF Value™: €21.93 vs. price of €34.60 (57.8% above fair value)
Industry Position: 241% above the Banks median (#219 of 1471)
No single metric tells the full story. See the FRA:82MA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BNP Paribas Bank Polska SA is a universal commercial bank offering a wide range of banking services provided to individual and institutional customers in accordance with the scope of services specified in the Bank's Articles of Association. The Bank operates both in Polish zlotys and foreign currencies and actively participates in trading on domestic and foreign financial markets. In addition, through its subsidiaries, the Group conducts brokerage and leasing activities and provides other financial services. Its reportable operating segments include Retail and Business Banking, Small and Medium-Sized Enterprises (SME), Corporate Banking, Corporate and Institutional Banking (CIB), and Other Operations, including ALM Treasury and the Corporate Centre.
78GF Score
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