APS BankMAL:APS 21 3-Year RORE % is -27.50 as of Dec. 2025. GuruFocus rates MAL:APS with a GF Score™ of 21/100 and a GF Value™ of €0.61 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,472 Banks companies, APS Bank ranks worse than 90.01% 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.
APS Bank's 3-Year RORE % for the quarter that ended in Dec. 2025 was -27.50%.
The industry rank for APS Bank's 3-Year RORE % or its related term are showing as below:
MAL:APS's 3-Year RORE % is ranked worse than 90.01% of 1472
companies
in the Banks industry
Industry Median: 9.875
vs MAL:APS: -27.50
APS Bank (MAL:APS) 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.
APS Bank 3-Year RORE % Related Terms
APS Bank 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for APS Bank'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, APS Bank'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.
APS Bank 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, APS Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where APS Bank'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.
APS Bank (MAL:APS) has a 3-Year RORE % of -27.50 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 APS Bank and its competitors. According to the industry distribution chart, APS Bank ranks #1325 out of 1472 companies in the Banks industry, placing it in the top 90%.
Is APS Bank's 3-Year RORE % too high?
APS Bank's current 3-Year RORE % is -27.50. Based on the distribution chart, APS Bank ranks #1325 out of 1472 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, APS Bank has a GF Score™ of 21/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does APS Bank's 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, APS Bank ranks #1325 out of 1472 companies for 3-Year RORE %. This places APS Bank in the lower half of its industry. The industry median 3-Year RORE % is 9.88. 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 9.88, based on 1,472 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 APS Bank and its competitors. For the Banks industry, the median 3-Year RORE % is 9.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. APS Bank's current 3-Year RORE % is -27.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is APS Bank stock overvalued right now?
Based on GuruFocus' analysis, APS Bank (MAL:APS) is currently considered Fairly Valued. The stock's GF Value™ is €0.61, compared to a current price of €0.58 — trading 4.9% below its estimated fair value. The current 3-Year RORE % is -27.50. APS Bank's overall GF Score™ is 21/100 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 APS Bank (MAL:APS), the current 3-Year RORE % is -27.50 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 APS Bank (MAL:APS) Overvalued in 2026?
Based on GuruFocus' analysis, APS Bank stock appears to be undervalued.
The current stock price of €0.58 is trading 4.9% below its estimated GF Value™ of €0.61.
GuruFocus considers APS Bank to be Fairly Valued.
Key valuation signals for MAL:APS:
3-Year RORE %: -27.50
GF Value™: €0.61 vs. price of €0.58 (4.9% below fair value)
No single metric tells the full story. See the MAL:APS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
APS Bank Ltd offers various personal banking and other financial products and services, including savings accounts, insurance and investment products, home loans, and personal loans, among others. It also caters to the banking needs of corporate customers. The company, along with its subsidiaries, operates in four reportable segments: Retail, Commercial, Investment Services, and Liquidity Management and Structured Loans. Maximum revenue is generated from the Retail segment, which offers various products and services to meet the personal banking needs of individual customers. This includes home loans, personal loans, overdraft facilities, deposit products, and other general banking activities.
21GF Score
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