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.
Multitude AG's 3-Year RORE % for the quarter that ended in Mar. 2026 was 19.67%.
The industry rank for Multitude AG's 3-Year RORE % or its related term are showing as below:
FRA:MULT's 3-Year RORE % is ranked better than 70.11% of 1472
companies
in the Banks industry
Industry Median: 9.875
vs FRA:MULT: 19.67
Multitude AG (FRA:MULT) 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.
Multitude AG 3-Year RORE % Related Terms
Multitude AG 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Multitude AG'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, Multitude AG'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.
Multitude AG 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Multitude AG's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Multitude AG'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.
Multitude AG (FRA:MULT) has a 3-Year RORE % of 19.67 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 Multitude AG and its competitors. According to the industry distribution chart, Multitude AG ranks #440 out of 1472 companies in the Banks industry, placing it in the top 29.9%.
Is Multitude AG's 3-Year RORE % too high?
Multitude AG's current 3-Year RORE % is 19.67. The Banks industry median 3-Year RORE % is 9.88. Multitude AG's value of 19.67 is 99.2% above this industry median. Based on the distribution chart, Multitude AG ranks #440 out of 1472 companies in the Banks industry, which is above the industry midpoint. Overall, Multitude AG has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Multitude AG's 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Multitude AG ranks #440 out of 1472 companies for 3-Year RORE %. This puts Multitude AG in the upper half of its industry. The industry median 3-Year RORE % is 9.88. Multitude AG's value of 19.67 is 99.2% 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 9.88, 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. Multitude AG's current 3-Year RORE % of 19.67 is 99.2% 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 Multitude AG 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. Multitude AG's current 3-Year RORE % is 19.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Multitude AG stock overvalued right now?
Based on GuruFocus' analysis, Multitude AG (FRA:MULT) is currently considered Fairly Valued. The stock's GF Value™ is €4.92, compared to a current price of €5.24 — trading 6.5% above its estimated fair value. The current 3-Year RORE % is 19.67 and 99.2% above the Banks industry median of 9.88. Multitude AG's overall GF Score™ is 66/100 with 6 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 Multitude AG (FRA:MULT), the current 3-Year RORE % is 19.67 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 Multitude AG (FRA:MULT) Overvalued in 2026?
Based on GuruFocus' analysis, Multitude AG stock appears to be overvalued.
The current stock price of €5.24 is trading 6.5% above its estimated GF Value™ of €4.92.
GuruFocus considers Multitude AG to be Fairly Valued.
Key valuation signals for FRA:MULT:
3-Year RORE %: 19.67
GF Value™: €4.92 vs. price of €5.24 (6.5% above fair value)
Industry Position: 99.2% above the Banks median (#440 of 1472)
No single metric tells the full story. See the FRA:MULT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Multitude AG is a fintech company providing digital financial and banking services to both individuals and businesses. Its reportable and operating segments are: Consumer Banking, SME Banking, and Wholesale Banking. Maximum revenue is derived from the Consumer Banking segment, which is operated under the Ferratum brand and offers digital consumer loans, credit lines, and credit card products. The SME Banking segment, which is operated under the CapitalBox brand, offers working capital and secured and non-secured lending solutions for small businesses, as well as other services such as invoice purchasing, and the Wholesale Banking, operated under the Multitude Bank brand, delivers lending and payment services to institutional clients, FinTechs, and payment service providers across Europe.
66GF Score
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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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