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.
Finbond Group's 3-Year RORE % for the quarter that ended in Feb. 2026 was 219.70%.
The industry rank for Finbond Group's 3-Year RORE % or its related term are showing as below:
JSE:FGL's 3-Year RORE % is ranked better than 98.3% of 1472
companies
in the Banks industry
Industry Median: 9.875
vs JSE:FGL: 219.70
Finbond Group (JSE:FGL) 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.
Finbond Group 3-Year RORE % Related Terms
Finbond Group 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Finbond Group'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.
JSE:FGL vs RKT, FNMA, PFSI: 3-Year RORE % Comparison
For the Mortgage Finance subindustry, Finbond Group'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.
Finbond Group 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Finbond Group's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Finbond Group'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 Feb. 2026 and 3-year before.
Finbond Group (JSE:FGL) has a 3-Year RORE % of 219.70 as of Feb. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Finbond Group and its competitors. According to the industry distribution chart, Finbond Group ranks #25 out of 1472 companies in the Banks industry, placing it in the top 1.7%.
Is Finbond Group's 3-Year RORE % too high?
Finbond Group's current 3-Year RORE % is 219.70. The Banks industry median 3-Year RORE % is 9.88. Finbond Group's value of 219.70 is 2124.8% above this industry median. Based on the distribution chart, Finbond Group ranks #25 out of 1472 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Finbond Group has a GF Score™ of 34/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Finbond Group's 3-Year RORE % compare to RKT and FNMA?
According to the Banks industry distribution chart, Finbond Group ranks #25 out of 1472 companies for 3-Year RORE %. This places Finbond Group in the top 2% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.88. Finbond Group's value of 219.70 is 2124.8% 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. Finbond Group's current 3-Year RORE % of 219.70 is 2124.8% 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 Finbond Group 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. Finbond Group's current 3-Year RORE % is 219.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finbond Group stock overvalued right now?
Based on GuruFocus' analysis, Finbond Group (JSE:FGL) is currently considered Fairly Valued. The stock's GF Value™ is R0.93, compared to a current price of R0.90 — trading 3.2% below its estimated fair value. The current 3-Year RORE % is 219.70 and 2124.8% above the Banks industry median of 9.88. Finbond Group's overall GF Score™ is 34/100 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 Finbond Group (JSE:FGL), the current 3-Year RORE % is 219.70 as of Feb. 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 Finbond Group (JSE:FGL) Overvalued in 2026?
Based on GuruFocus' analysis, Finbond Group stock appears to be undervalued.
The current stock price of R0.90 is trading 3.2% below its estimated GF Value™ of R0.93.
GuruFocus considers Finbond Group to be Fairly Valued.
Key valuation signals for JSE:FGL:
3-Year RORE %: 219.70
GF Value™: R0.93 vs. price of R0.90 (3.2% below fair value)
Industry Position: 2124.8% above the Banks median (#25 of 1472)
No single metric tells the full story. See the JSE:FGL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Finbond Group Ltd is a financial services institution that is engaged in the design and delivery of value and solution-based savings, credit, and insurance solutions tailored to depositor and borrower requirements. The company's business segments are Deposit and Debt Finance Products, Lending, Property investment, and Transactional banking, and Others. It derives key revenue from the Lending segment. Company opertes in USA, South Africa, and Canada, with majority of revenue from USA.
34GF Score
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