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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.
Scottish American Investment Co (The)'s 3-Year RORE % for the quarter that ended in Dec. 2025 was -89.01%.
LSE:SAIN's 3-Year RORE % is ranked worse than 86.74% of 1531
companies
in the Asset Management industry
Industry Median: 12.02
vs LSE:SAIN: -89.01
Scottish American Investment Co (The) (LSE:SAIN) 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.
Scottish American Investment Co (The) 3-Year RORE % Related Terms
Scottish American Investment Co (The) 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.
Scottish American Investment Co (The) 3-Year RORE % Chart
LSE:SAIN vs BLK, BX, KKR: 3-Year RORE % Comparison
For the Asset Management subindustry, Scottish American Investment Co (The)'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.
Scottish American Investment Co (The) 3-Year RORE % vs Asset Management Industry
For the Asset Management industry and Financial Services sector, Scottish American Investment Co (The)'s 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Scottish American Investment Co (The)'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.
Scottish American Investment Co (The) (LSE:SAIN) has a 3-Year RORE % of -89.01 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 Scottish American Investment Co (The) and its competitors. According to the industry distribution chart, Scottish American Investment Co (The) ranks #1328 out of 1531 companies in the Asset Management industry, placing it in the top 86.7%.
Is Scottish American Investment Co (The)'s 3-Year RORE % too high?
Scottish American Investment Co (The)'s current 3-Year RORE % is -89.01. Based on the distribution chart, Scottish American Investment Co (The) ranks #1328 out of 1531 companies in the Asset Management industry, which is in the bottom quartile relative to peers. Overall, Scottish American Investment Co (The) has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Scottish American Investment Co (The)'s 3-Year RORE % compare to BLK and BX?
According to the Asset Management industry distribution chart, Scottish American Investment Co (The) ranks #1328 out of 1531 companies for 3-Year RORE %. This places Scottish American Investment Co (The) in the lower half of its industry. The industry median 3-Year RORE % is 12.02. 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 an Asset Management company?
The median 3-Year RORE % among Asset Management companies is 12.02, based on 1,531 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 Scottish American Investment Co (The) and its competitors. For the Asset Management industry, the median 3-Year RORE % is 12.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Scottish American Investment Co (The)'s current 3-Year RORE % is -89.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Scottish American Investment Co (The) stock overvalued right now?
Based on GuruFocus' analysis, Scottish American Investment Co (The) (LSE:SAIN) is currently considered Significantly Overvalued. The stock's GF Value™ is £1.27, compared to a current price of £5.44 — trading 328.3% above its estimated fair value. The current 3-Year RORE % is -89.01. Scottish American Investment Co (The)'s overall GF Score™ is 45/100 with 5 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 Scottish American Investment Co (The) (LSE:SAIN), the current 3-Year RORE % is -89.01 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.
Is Scottish American Investment Co (The) (LSE:SAIN) Overvalued in 2026?
Based on GuruFocus' analysis, Scottish American Investment Co (The) stock appears to be overvalued.
The current stock price of £5.44 is trading 328.3% above its estimated GF Value™ of £1.27.
GuruFocus considers Scottish American Investment Co (The) to be Significantly Overvalued.
Key valuation signals for LSE:SAIN:
3-Year RORE %: -89.01
GF Value™: £1.27 vs. price of £5.44 (328.3% above fair value)
No single metric tells the full story. See the LSE:SAIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Scottish American Investment Co (The) Business Description
Scottish American Investment Co (The) PLC is an investment trust operating in the UK. Its objective is to deliver real dividend growth by increasing capital and growing income. The company mainly invests in equity markets as well as investments in other financial instruments including bonds, property, and other asset classes. It holds a diversified portfolio of investments irrespective of any pre-defined maximum or minimum exposure levels for asset classes, sectors, or regions. The company focuses on investing in listed equities to grow its assets over the medium to the longer term at a faster rate than inflation. It may use derivatives and structured instruments to hedge an existing investment or currency exposure or to exploit an investment opportunity.
45GF 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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