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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.
S & U's 3-Year RORE % for the quarter that ended in Jan. 2026 was -8.03%.
The industry rank for S & U's 3-Year RORE % or its related term are showing as below:
FRA:97V's 3-Year RORE % is ranked worse than 66.6% of 518
companies
in the Credit Services industry
Industry Median: 8.3
vs FRA:97V: -8.03
S & U (FRA:97V) 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.
S & U 3-Year RORE % Related Terms
S & U 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for S & U'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 Credit Services subindustry, S & U'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.
S & U 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, S & U's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where S & U'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 Jan. 2026 and 3-year before.
S & U (FRA:97V) has a 3-Year RORE % of -8.03 as of Jan. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on S & U and its competitors. According to the industry distribution chart, S & U ranks #345 out of 518 companies in the Credit Services industry, placing it in the top 66.6%.
Is S & U's 3-Year RORE % too high?
S & U's current 3-Year RORE % is -8.03. Based on the distribution chart, S & U ranks #345 out of 518 companies in the Credit Services industry, which is below the industry midpoint. Overall, S & U has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does S & U's 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, S & U ranks #345 out of 518 companies for 3-Year RORE %. This places S & U in the lower half of its industry. The industry median 3-Year RORE % is 8.30. 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 Credit Services company?
The median 3-Year RORE % among Credit Services companies is 8.30, based on 518 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. 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 S & U and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. S & U's current 3-Year RORE % is -8.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is S & U stock overvalued right now?
S & U (FRA:97V) has a current 3-Year RORE % of -8.03. The stock's GF Value™ is €22.91, compared to a current price of €22.80 — trading 0.5% below its estimated fair value. The current 3-Year RORE % is -8.03. S & U's overall GF Score™ is 77/100 with 4 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 S & U (FRA:97V), the current 3-Year RORE % is -8.03 as of Jan. 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 S & U (FRA:97V) Overvalued in 2026?
Based on GuruFocus' analysis, S & U stock appears to be undervalued.
The current stock price of €22.80 is trading 0.5% below its estimated GF Value™ of €22.91.
Key valuation signals for FRA:97V:
3-Year RORE %: -8.03
GF Value™: €22.91 vs. price of €22.80 (0.5% below fair value)
No single metric tells the full story. See the FRA:97V stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
S & U PLC is a UK-based company. It is engaged in providing motor finance, property bridging, and specialist finance services. The company operates through the following business segments: Motor finance, and Property bridging finance. The majority of the revenue for the company is derived from the Motor finance segment which operates within the non-prime market sector, and acts as a supplier of specialist finance facilities, through motor dealers throughout the UK which facilitate the purchase of new and used cars, vans, motorbikes, and caravans. The company's finance products allow motor dealers across the UK to provide credit facilities.
77GF Score
Get the complete analysis for FRA:97V
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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