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J and Friends HoldingsJF +1.09%24 3-Year RORE % is -69.23 as of Dec. 2025. GuruFocus rates JF with a GF Score™ of 24/100. The stock has 5 warning signs investors should review. Among 516 Credit Services companies, J and Friends Holdings ranks worse than 88.18% on this metric.
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.
J and Friends Holdings's 3-Year RORE % for the quarter that ended in Dec. 2025 was -69.23%.
The industry rank for J and Friends Holdings's 3-Year RORE % or its related term are showing as below:
JF's 3-Year RORE % is ranked worse than 88.18% of 516
companies
in the Credit Services industry
Industry Median: 8.47
vs JF: -69.23
J and Friends Holdings (NAS:JF) 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.
J and Friends Holdings 3-Year RORE % Related Terms
J and Friends Holdings 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, J and Friends Holdings'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.
J and Friends Holdings 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, J and Friends Holdings's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where J and Friends Holdings'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 Dec. 2025 and 3-year before.
J and Friends Holdings (JF) has a 3-Year RORE % of -69.23 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on J and Friends Holdings and its competitors. According to the industry distribution chart, J and Friends Holdings ranks #455 out of 516 companies in the Credit Services industry, placing it in the top 88.2%.
Is J and Friends Holdings' 3-Year RORE % too high?
J and Friends Holdings' current 3-Year RORE % is -69.23. Based on the distribution chart, J and Friends Holdings ranks #455 out of 516 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, J and Friends Holdings has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does J and Friends Holdings' 3-Year RORE % compare to STQN and AIJTY?
According to the Credit Services industry distribution chart, J and Friends Holdings ranks #455 out of 516 companies for 3-Year RORE %. This places J and Friends Holdings in the lower half of its industry. The industry median 3-Year RORE % is 8.47. 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 8.47, based on 516 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 J and Friends Holdings and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. J and Friends Holdings's current 3-Year RORE % is -69.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is J and Friends Holdings stock overvalued right now?
J and Friends Holdings (JF) has a current 3-Year RORE % of -69.23. The current 3-Year RORE % is -69.23. J and Friends Holdings' overall GF Score™ is 24/100 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 J and Friends Holdings (JF), the current 3-Year RORE % is -69.23 as of Dec. 2025. 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.
J and Friends Holdings Ltd providing merchant digitalization and commerce-enablement solutions to small and medium enterprises (SME). Its solutions feature critical functionality that SMEs need to engage with consumers, manage their operations, accept payments, and grow their business. Such solutions empower single- and multi-location retailers, restaurants, and other SMEs to compete successfully in an omni-channel market environment by engaging with consumers across online, mobile, and physical channels. The group conducts all of its current operations in Australia and generates revenues from continuing operations are derived from within Australia.
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