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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.
Japan Securities Finance Co's 3-Year RORE % for the quarter that ended in Mar. 2026 was 15.13%.
FRA:JSE's 3-Year RORE % is ranked better than 70.66% of 518
companies
in the Credit Services industry
Industry Median: 8.19
vs FRA:JSE: 15.13
Japan Securities Finance Co (FRA:JSE) 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.
Japan Securities Finance Co 3-Year RORE % Related Terms
Japan Securities Finance Co 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 Credit Services subindustry, Japan Securities Finance Co'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.
Japan Securities Finance Co 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Japan Securities Finance Co's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Japan Securities Finance Co'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.
Japan Securities Finance Co (FRA:JSE) has a 3-Year RORE % of 15.13 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 Japan Securities Finance Co and its competitors. According to the industry distribution chart, Japan Securities Finance Co ranks #152 out of 518 companies in the Credit Services industry, placing it in the top 29.3%.
Is Japan Securities Finance Co's 3-Year RORE % too high?
Japan Securities Finance Co's current 3-Year RORE % is 15.13. The Credit Services industry median 3-Year RORE % is 8.19. Japan Securities Finance Co's value of 15.13 is 84.7% above this industry median. Based on the distribution chart, Japan Securities Finance Co ranks #152 out of 518 companies in the Credit Services industry, which is above the industry midpoint. Overall, Japan Securities Finance Co has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Japan Securities Finance Co's 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Japan Securities Finance Co ranks #152 out of 518 companies for 3-Year RORE %. This puts Japan Securities Finance Co in the upper half of its industry. The industry median 3-Year RORE % is 8.19. Japan Securities Finance Co's value of 15.13 is 84.7% 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 Credit Services company?
The median 3-Year RORE % among Credit Services companies is 8.19, 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. Japan Securities Finance Co's current 3-Year RORE % of 15.13 is 84.7% 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 Japan Securities Finance Co and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Japan Securities Finance Co's current 3-Year RORE % is 15.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Japan Securities Finance Co stock overvalued right now?
Japan Securities Finance Co (FRA:JSE) has a current 3-Year RORE % of 15.13. The stock's GF Value™ is €10.59, compared to a current price of €12.60 — trading 19% above its estimated fair value. The current 3-Year RORE % is 15.13 and 84.7% above the Credit Services industry median of 8.19. Japan Securities Finance Co's overall GF Score™ is 66/100 with 5 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 Japan Securities Finance Co (FRA:JSE), the current 3-Year RORE % is 15.13 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 Japan Securities Finance Co (FRA:JSE) Overvalued in 2026?
Based on GuruFocus' analysis, Japan Securities Finance Co stock appears to be overvalued.
The current stock price of €12.60 is trading 19% above its estimated GF Value™ of €10.59.
Key valuation signals for FRA:JSE:
3-Year RORE %: 15.13
GF Value™: €10.59 vs. price of €12.60 (19% above fair value)
Industry Position: 84.7% above the Credit Services median (#152 of 518)
No single metric tells the full story. See the FRA:JSE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Japan Securities Finance Co Ltd operates in three business segments: Securities Finance, Trust Banking, and Real Estate Leasing. In the Securities Finance business, which makes up the vast majority of the company's total revenue, the company primarily provides loans for margin transactions where it earns revenue through fees and interest. The Securities Finance segment also earns fees through stock and bond lending and earns interest through bond financing and general loans. The Trust Banking business provides trust services, such as securities trust, and banking services, such as deposits and loans. The Real Estate Leasing business provides services for leasing and managing real estate. The company operates exclusively in Japan.
66GF Score
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