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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.
Kuwait International Bank KSC's 3-Year RORE % for the quarter that ended in Mar. 2026 was 22.73%.
KUW:KIB's 3-Year RORE % is ranked better than 74.15% of 1466
companies
in the Banks industry
Industry Median: 9.925
vs KUW:KIB: 22.73
Kuwait International Bank KSC (KUW:KIB) 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.
Kuwait International Bank KSC 3-Year RORE % Related Terms
Kuwait International Bank KSC 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 Banks - Regional subindustry, Kuwait International Bank KSC'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.
Kuwait International Bank KSC 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Kuwait International Bank KSC's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Kuwait International Bank KSC'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.
Kuwait International Bank KSC (KUW:KIB) has a 3-Year RORE % of 22.73 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 Kuwait International Bank KSC and its competitors. According to the industry distribution chart, Kuwait International Bank KSC ranks #379 out of 1466 companies in the Banks industry, placing it in the top 25.9%.
Is Kuwait International Bank KSC's 3-Year RORE % too high?
Kuwait International Bank KSC's current 3-Year RORE % is 22.73. The Banks industry median 3-Year RORE % is 9.93. Kuwait International Bank KSC's value of 22.73 is 129% above this industry median. Based on the distribution chart, Kuwait International Bank KSC ranks #379 out of 1466 companies in the Banks industry, which is above the industry midpoint. Overall, Kuwait International Bank KSC has a GF Score™ of 23/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Kuwait International Bank KSC's 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Kuwait International Bank KSC ranks #379 out of 1466 companies for 3-Year RORE %. This puts Kuwait International Bank KSC in the upper half of its industry. The industry median 3-Year RORE % is 9.93. Kuwait International Bank KSC's value of 22.73 is 129% 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 9.93, 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. Kuwait International Bank KSC's current 3-Year RORE % of 22.73 is 129% 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 Kuwait International Bank KSC 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. Kuwait International Bank KSC's current 3-Year RORE % is 22.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kuwait International Bank KSC stock overvalued right now?
Based on GuruFocus' analysis, Kuwait International Bank KSC (KUW:KIB) is currently considered Modestly Overvalued. The stock's GF Value™ is KWD0.22, compared to a current price of KWD0.25 — trading 14.1% above its estimated fair value. The current 3-Year RORE % is 22.73 and 129% above the Banks industry median of 9.93. Kuwait International Bank KSC's overall GF Score™ is 23/100 with 3 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 Kuwait International Bank KSC (KUW:KIB), the current 3-Year RORE % is 22.73 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 Kuwait International Bank KSC (KUW:KIB) Overvalued in 2026?
Based on GuruFocus' analysis, Kuwait International Bank KSC stock appears to be overvalued.
The current stock price of KWD0.25 is trading 14.1% above its estimated GF Value™ of KWD0.22.
GuruFocus considers Kuwait International Bank KSC to be Modestly Overvalued.
Key valuation signals for KUW:KIB:
3-Year RORE %: 22.73
GF Value™: KWD0.22 vs. price of KWD0.25 (14.1% above fair value)
Industry Position: 129% above the Banks median (#379 of 1466)
No single metric tells the full story. See the KUW:KIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kuwait International Bank KSC Business Description
Kuwait International Bank KSC is an Islamic banking corporation based in Kuwait. The company's segments include Commercial and International Banking; Retail Banking; Treasury, Fund Management and Institutional Banking; Investment Management and others. It generates maximum revenue from the Commercial and International Banking segment. Commercial and International Banking segment comprising of range of banking services and investment products to corporate customers providing commodity and real estate Murabaha finance, Ijara and Wakala facilities.
23GF 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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