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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.
PT Bank Victoria International Tbk's 3-Year RORE % for the quarter that ended in Mar. 2026 was 7.02%.
ISX:BVIC's 3-Year RORE % is ranked worse than 57.58% of 1471
companies
in the Banks industry
Industry Median: 9.93
vs ISX:BVIC: 7.02
PT Bank Victoria International Tbk (ISX:BVIC) 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.
PT Bank Victoria International Tbk 3-Year RORE % Related Terms
PT Bank Victoria International Tbk 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.
PT Bank Victoria International Tbk 3-Year RORE % Chart
PT Bank Victoria International Tbk 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Victoria International Tbk'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.
PT Bank Victoria International Tbk 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Victoria International Tbk's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where PT Bank Victoria International Tbk'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.
PT Bank Victoria International Tbk (ISX:BVIC) has a 3-Year RORE % of 7.02 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 PT Bank Victoria International Tbk and its competitors. According to the industry distribution chart, PT Bank Victoria International Tbk ranks #847 out of 1471 companies in the Banks industry, placing it in the top 57.6%.
Is PT Bank Victoria International Tbk's 3-Year RORE % too high?
PT Bank Victoria International Tbk's current 3-Year RORE % is 7.02. The Banks industry median 3-Year RORE % is 9.93. PT Bank Victoria International Tbk's value of 7.02 is 29.3% below this industry median. Based on the distribution chart, PT Bank Victoria International Tbk ranks #847 out of 1471 companies in the Banks industry, which is below the industry midpoint. Overall, PT Bank Victoria International Tbk has a GF Score™ of 53/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Victoria International Tbk's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, PT Bank Victoria International Tbk ranks #847 out of 1471 companies for 3-Year RORE %. This places PT Bank Victoria International Tbk in the lower half of its industry. The industry median 3-Year RORE % is 9.93. PT Bank Victoria International Tbk's value of 7.02 is 29.3% 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 9.93, 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. PT Bank Victoria International Tbk's current 3-Year RORE % of 7.02 is 29.3% 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 PT Bank Victoria International Tbk and its competitors. For the Banks industry, the median 3-Year RORE % is 9.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Victoria International Tbk's current 3-Year RORE % is 7.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Victoria International Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Victoria International Tbk (ISX:BVIC) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp102.41, compared to a current price of Rp92.00 — trading 10.2% below its estimated fair value. The current 3-Year RORE % is 7.02 and 29.3% below the Banks industry median of 9.93. PT Bank Victoria International Tbk's overall GF Score™ is 53/100 with 2 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 PT Bank Victoria International Tbk (ISX:BVIC), the current 3-Year RORE % is 7.02 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 PT Bank Victoria International Tbk (ISX:BVIC) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Victoria International Tbk stock appears to be undervalued.
The current stock price of Rp92.00 is trading 10.2% below its estimated GF Value™ of Rp102.41.
GuruFocus considers PT Bank Victoria International Tbk to be Modestly Undervalued.
Key valuation signals for ISX:BVIC:
3-Year RORE %: 7.02
GF Value™: Rp102.41 vs. price of Rp92.00 (10.2% below fair value)
Industry Position: 29.3% below the Banks median (#847 of 1471)
No single metric tells the full story. See the ISX:BVIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Victoria International Tbk Business Description
PT Bank Victoria International Tbk is an Indonesian-based commercial banking firm. It provides general banking services like collecting deposits, granting loans and advances, clearing and collection services, RTGS, bill payment, investment products, and many others. The majority of the company's revenue is generated in the form of interest income. Geographically, it operates across different regions in Indonesia, such as Jadetabek, West Java, Central Java and East Java, and Non Java.
53GF Score
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