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.
Erste Bank Polska's 3-Year RORE % for the quarter that ended in Mar. 2026 was 13.02%.
The industry rank for Erste Bank Polska's 3-Year RORE % or its related term are showing as below:
LTS:0DVR's 3-Year RORE % is ranked better than 56.01% of 1473
companies
in the Banks industry
Industry Median: 9.87
vs LTS:0DVR: 13.02
Erste Bank Polska (LTS:0DVR) 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.
Erste Bank Polska 3-Year RORE % Related Terms
Erste Bank Polska 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Erste Bank Polska'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 Banks - Regional subindustry, Erste Bank Polska'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.
Erste Bank Polska 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Erste Bank Polska's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Erste Bank Polska'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.
Erste Bank Polska (LTS:0DVR) has a 3-Year RORE % of 13.02 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 Erste Bank Polska and its competitors. According to the industry distribution chart, Erste Bank Polska ranks #648 out of 1473 companies in the Banks industry, placing it in the top 44%.
Is Erste Bank Polska's 3-Year RORE % too high?
Erste Bank Polska's current 3-Year RORE % is 13.02. The Banks industry median 3-Year RORE % is 9.87. Erste Bank Polska's value of 13.02 is 31.9% above this industry median. Based on the distribution chart, Erste Bank Polska ranks #648 out of 1473 companies in the Banks industry, which is above the industry midpoint. Overall, Erste Bank Polska has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does Erste Bank Polska's 3-Year RORE % compare to PNC?
According to the Banks industry distribution chart, Erste Bank Polska ranks #648 out of 1473 companies for 3-Year RORE %. This puts Erste Bank Polska in the upper half of its industry. The industry median 3-Year RORE % is 9.87. Erste Bank Polska's value of 13.02 is 31.9% 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 9.87, based on 1,473 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. Erste Bank Polska's current 3-Year RORE % of 13.02 is 31.9% 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 Erste Bank Polska and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Erste Bank Polska's current 3-Year RORE % is 13.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erste Bank Polska stock overvalued right now?
Erste Bank Polska (LTS:0DVR) has a current 3-Year RORE % of 13.02. The stock's GF Value™ is zł312.22, compared to a current price of zł395.55 — trading 26.7% above its estimated fair value. The current 3-Year RORE % is 13.02 and 31.9% above the Banks industry median of 9.87. Erste Bank Polska's overall GF Score™ is 80/100 with 9 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 Erste Bank Polska (LTS:0DVR), the current 3-Year RORE % is 13.02 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 Erste Bank Polska (LTS:0DVR) Overvalued in 2026?
Based on GuruFocus' analysis, Erste Bank Polska stock appears to be overvalued.
The current stock price of zł395.55 is trading 26.7% above its estimated GF Value™ of zł312.22.
Key valuation signals for LTS:0DVR:
3-Year RORE %: 13.02
GF Value™: zł312.22 vs. price of zł395.55 (26.7% above fair value)
Industry Position: 31.9% above the Banks median (#648 of 1473)
No single metric tells the full story. See the LTS:0DVR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Erste Bank Polska SA is a commercial bank. It provides financial products and services such as Personal accounts, Payment cards, Loans, Savings and investments, and products for overseas customers.
80GF Score
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