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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 Post Holdings Co's 3-Year RORE % for the quarter that ended in Mar. 2026 was 25.13%.
The industry rank for Japan Post Holdings Co's 3-Year RORE % or its related term are showing as below:
JPHLF's 3-Year RORE % is ranked better than 80.08% of 1466
companies
in the Banks industry
Industry Median: 9.935
vs JPHLF: 25.13
Japan Post Holdings Co (OTCPK:JPHLF) 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 Post Holdings Co 3-Year RORE % Related Terms
Japan Post Holdings 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.
Japan Post Holdings Co 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, Japan Post Holdings 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 Post Holdings Co 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Japan Post Holdings Co's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Japan Post Holdings 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 Post Holdings Co (JPHLF) has a 3-Year RORE % of 25.13 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 Post Holdings Co and its competitors. According to the industry distribution chart, Japan Post Holdings Co ranks #292 out of 1466 companies in the Banks industry, placing it in the top 19.9%.
Is Japan Post Holdings Co's 3-Year RORE % too high?
Japan Post Holdings Co's current 3-Year RORE % is 25.13. The Banks industry median 3-Year RORE % is 9.94. Japan Post Holdings Co's value of 25.13 is 152.9% above this industry median. Based on the distribution chart, Japan Post Holdings Co ranks #292 out of 1466 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Japan Post Holdings Co has a GF Score™ of 63/100, reflecting its overall financial health beyond just this single metric.
How does Japan Post Holdings Co's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Japan Post Holdings Co ranks #292 out of 1466 companies for 3-Year RORE %. This places Japan Post Holdings Co in the top 20% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.94. Japan Post Holdings Co's value of 25.13 is 152.9% 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 9.94, based on 1,466 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 Post Holdings Co's current 3-Year RORE % of 25.13 is 152.9% 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 Post Holdings Co and its competitors. For the Banks industry, the median 3-Year RORE % is 9.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Japan Post Holdings Co's current 3-Year RORE % is 25.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Japan Post Holdings Co stock overvalued right now?
Japan Post Holdings Co (JPHLF) has a current 3-Year RORE % of 25.13. The stock's GF Value™ is $8.09, compared to a current price of $11.50 — trading 42.1% above its estimated fair value. The current 3-Year RORE % is 25.13 and 152.9% above the Banks industry median of 9.94. Japan Post Holdings Co's overall GF Score™ is 63/100 with 7 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 Post Holdings Co (JPHLF), the current 3-Year RORE % is 25.13 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 Post Holdings Co (JPHLF) Overvalued in 2026?
Based on GuruFocus' analysis, Japan Post Holdings Co stock appears to be overvalued.
The current stock price of $11.50 is trading 42.1% above its estimated GF Value™ of $8.09.
Key valuation signals for JPHLF:
3-Year RORE %: 25.13
GF Value™: $8.09 vs. price of $11.50 (42.1% above fair value)
Industry Position: 152.9% above the Banks median (#292 of 1466)
No single metric tells the full story. See the JPHLF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Japan Post Holdings Co Ltd operates as a holding company. The firm, through its subsidiaries, provides postal, banking, and insurance services in Japan. The group's reportable segments are the Postal and Logistics Business, Post Office Counter Business, International Logistics Business, Real Estate Business, Banking Business, and Life Insurance Business. The majority of its revenue is derived from the Life Insurance segment.
63GF 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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