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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.
Halyk Bank of Kazakhstan JSC's 3-Year RORE % for the quarter that ended in Mar. 2026 was 16.03%.
LSE:HSBK's 3-Year RORE % is ranked better than 74.06% of 1469
companies
in the Banks industry
Industry Median: 9.92
vs LSE:HSBK: 16.03
Halyk Bank of Kazakhstan JSC (LSE:HSBK) 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.
Halyk Bank of Kazakhstan JSC 3-Year RORE % Related Terms
Halyk Bank of Kazakhstan JSC 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, Halyk Bank of Kazakhstan JSC'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.
Halyk Bank of Kazakhstan JSC 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Halyk Bank of Kazakhstan JSC's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Halyk Bank of Kazakhstan JSC'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.
Halyk Bank of Kazakhstan JSC (LSE:HSBK) has a 3-Year RORE % of 16.03 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 Halyk Bank of Kazakhstan JSC and its competitors. According to the industry distribution chart, Halyk Bank of Kazakhstan JSC ranks #381 out of 1469 companies in the Banks industry, placing it in the top 25.9%.
Is Halyk Bank of Kazakhstan JSC's 3-Year RORE % too high?
Halyk Bank of Kazakhstan JSC's current 3-Year RORE % is 16.03. The Banks industry median 3-Year RORE % is 9.92. Halyk Bank of Kazakhstan JSC's value of 16.03 is 61.6% above this industry median. Based on the distribution chart, Halyk Bank of Kazakhstan JSC ranks #381 out of 1469 companies in the Banks industry, which is above the industry midpoint. Overall, Halyk Bank of Kazakhstan JSC has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Halyk Bank of Kazakhstan JSC's 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Halyk Bank of Kazakhstan JSC ranks #381 out of 1469 companies for 3-Year RORE %. This puts Halyk Bank of Kazakhstan JSC in the upper half of its industry. The industry median 3-Year RORE % is 9.92. Halyk Bank of Kazakhstan JSC's value of 16.03 is 61.6% 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 9.92, based on 1,469 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. Halyk Bank of Kazakhstan JSC's current 3-Year RORE % of 16.03 is 61.6% 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 Halyk Bank of Kazakhstan JSC and its competitors. For the Banks industry, the median 3-Year RORE % is 9.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Halyk Bank of Kazakhstan JSC's current 3-Year RORE % is 16.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Halyk Bank of Kazakhstan JSC stock overvalued right now?
Based on GuruFocus' analysis, Halyk Bank of Kazakhstan JSC (LSE:HSBK) is currently considered Modestly Overvalued. The stock's GF Value™ is $26.51, compared to a current price of $32.15 — trading 21.3% above its estimated fair value. The current 3-Year RORE % is 16.03 and 61.6% above the Banks industry median of 9.92. Halyk Bank of Kazakhstan JSC's overall GF Score™ is 76/100 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 Halyk Bank of Kazakhstan JSC (LSE:HSBK), the current 3-Year RORE % is 16.03 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 Halyk Bank of Kazakhstan JSC (LSE:HSBK) Overvalued in 2026?
Based on GuruFocus' analysis, Halyk Bank of Kazakhstan JSC stock appears to be overvalued.
The current stock price of $32.15 is trading 21.3% above its estimated GF Value™ of $26.51.
GuruFocus considers Halyk Bank of Kazakhstan JSC to be Modestly Overvalued.
Key valuation signals for LSE:HSBK:
3-Year RORE %: 16.03
GF Value™: $26.51 vs. price of $32.15 (21.3% above fair value)
Industry Position: 61.6% above the Banks median (#381 of 1469)
No single metric tells the full story. See the LSE:HSBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Halyk Bank of Kazakhstan JSC is engaged in retail, corporate, and SME banking services. It also provides insurance, cash collection, asset management, brokerage, telecommunication, and leasing services. The group has four main business segments: Corporate Banking, SME Banking, Retail Banking, and Investment Banking. The majority of revenue derives from the corporate banking segment, which includes banking services to corporate clients and financial institutions, including current accounts and correspondent accounts, deposits, custody, overdrafts, loans and other credit facilities, documentary operations, including guarantees and letters of credit, trade finance products, as well as cash services and foreign exchange transactions.
76GF 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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