Sancus Lending GroupLSE:LEND 3-Year RORE % is -113.33 as of Dec. 2025. The stock has 9 warning signs investors should review. Among 519 Credit Services companies, Sancus Lending Group ranks worse than 91.71% 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.
Sancus Lending Group's 3-Year RORE % for the quarter that ended in Dec. 2025 was -113.33%.
The industry rank for Sancus Lending Group's 3-Year RORE % or its related term are showing as below:
LSE:LEND's 3-Year RORE % is ranked worse than 91.71% of 519
companies
in the Credit Services industry
Industry Median: 8.33
vs LSE:LEND: -113.33
Sancus Lending Group (LSE:LEND) 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.
Sancus Lending Group 3-Year RORE % Related Terms
Sancus Lending Group 3-Year RORE % Historical Data
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The historical data trend for Sancus Lending 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.
For the Credit Services subindustry, Sancus Lending 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.
Sancus Lending Group 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sancus Lending Group's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Sancus Lending 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 Dec. 2025 and 3-year before.
Sancus Lending Group (LSE:LEND) has a 3-Year RORE % of -113.33 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 Sancus Lending Group and its competitors. According to the industry distribution chart, Sancus Lending Group ranks #476 out of 519 companies in the Credit Services industry, placing it in the top 91.7%.
Is Sancus Lending Group's 3-Year RORE % too high?
Sancus Lending Group's current 3-Year RORE % is -113.33. Based on the distribution chart, Sancus Lending Group ranks #476 out of 519 companies in the Credit Services industry, which is in the bottom quartile relative to peers.
How does Sancus Lending Group's 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Sancus Lending Group ranks #476 out of 519 companies for 3-Year RORE %. This places Sancus Lending Group in the lower half of its industry. The industry median 3-Year RORE % is 8.33. 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 8.33, based on 519 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 Sancus Lending Group and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sancus Lending Group's current 3-Year RORE % is -113.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sancus Lending Group stock overvalued right now?
Based on GuruFocus' analysis, Sancus Lending Group (LSE:LEND) is currently considered Modestly Overvalued. The stock's GF Value™ is £0.01, compared to a current price of £0.01 — trading 20% above its estimated fair value. The current 3-Year RORE % is -113.33. 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 Sancus Lending Group (LSE:LEND), the current 3-Year RORE % is -113.33 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.
Sancus Lending Group Ltd is an alternative finance provider, offering borrowers fast, bespoke bridging and development finance and co-funders a range of asset-backed funding opportunities. Its segments include Offshore, United Kingdom, Ireland, and Sancus Loans Limited. The Offshore segment includes the operations of Sancus Lending (Jersey) Limited, Sancus Lending (Guernsey) Limited, Sancus Lending (Gibraltar) Limited, Sancus Properties Limited, and Sancus Group Holdings Limited. The United Kingdom segment contains the operations of Sancus Lending (UK) Limited and Sancus Holdings (UK) Limited. The Ireland segment contains the operations of Sancus Lending (Ireland) Limited. The Sancus Loans Limited contains the operations of Sancus Loans Limited and Sancus Loans No.3 Limited.
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