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.
HDFC Bank's 3-Year RORE % for the quarter that ended in Mar. 2025 was 0.15%.
The industry rank for HDFC Bank's 3-Year RORE % or its related term are showing as below:
MEX:HDBN's 3-Year RORE % is ranked worse than 72.38% of 1470
companies
in the Banks industry
Industry Median: 9.885
vs MEX:HDBN: 0.15
HDFC Bank (MEX:HDBN) 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.
HDFC Bank 3-Year RORE % Related Terms
HDFC Bank 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for HDFC 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, HDFC 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.
HDFC Bank 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, HDFC Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where HDFC 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 Mar. 2025 and 3-year before.
HDFC Bank (MEX:HDBN) has a 3-Year RORE % of 0.15 as of Mar. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on HDFC Bank and its competitors. According to the industry distribution chart, HDFC Bank ranks #1064 out of 1470 companies in the Banks industry, placing it in the top 72.4%.
Is HDFC Bank's 3-Year RORE % too high?
HDFC Bank's current 3-Year RORE % is 0.15. The Banks industry median 3-Year RORE % is 9.89. HDFC Bank's value of 0.15 is 98.5% below this industry median. Based on the distribution chart, HDFC Bank ranks #1064 out of 1470 companies in the Banks industry, which is below the industry midpoint. Overall, HDFC Bank has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HDFC Bank's 3-Year RORE % compare to PNC?
According to the Banks industry distribution chart, HDFC Bank ranks #1064 out of 1470 companies for 3-Year RORE %. This places HDFC Bank in the lower half of its industry. The industry median 3-Year RORE % is 9.89. HDFC Bank's value of 0.15 is 98.5% below 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 9.89, based on 1,470 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. HDFC Bank's current 3-Year RORE % of 0.15 is 98.5% below 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 HDFC Bank and its competitors. For the Banks industry, the median 3-Year RORE % is 9.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HDFC Bank's current 3-Year RORE % is 0.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HDFC Bank stock overvalued right now?
Based on GuruFocus' analysis, HDFC Bank (MEX:HDBN) is currently considered Modestly Undervalued. The stock's GF Value™ is MXN501.84, compared to a current price of MXN410.00 — trading 18.3% below its estimated fair value. The current 3-Year RORE % is 0.15 and 98.5% below the Banks industry median of 9.89. HDFC Bank's overall GF Score™ is 66/100 with 3 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 HDFC Bank (MEX:HDBN), the current 3-Year RORE % is 0.15 as of Mar. 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 HDFC Bank (MEX:HDBN) Overvalued in 2026?
Based on GuruFocus' analysis, HDFC Bank stock appears to be undervalued.
The current stock price of MXN410.00 is trading 18.3% below its estimated GF Value™ of MXN501.84.
GuruFocus considers HDFC Bank to be Modestly Undervalued.
Key valuation signals for MEX:HDBN:
3-Year RORE %: 0.15
GF Value™: MXN501.84 vs. price of MXN410.00 (18.3% below fair value)
Industry Position: 98.5% below the Banks median (#1064 of 1470)
No single metric tells the full story. See the MEX:HDBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HDFC Bank Ltd is an Indian bank. It operates in the following segments: Treasury, Retail banking, Wholesale banking, and Other banking business. The maximum revenue for the company is generated from its Retail banking segment, which serves retail customers through its branch network and other channels. This segment raises customer deposits and provides loans and other services to customers using different product groups. Its other operations include providing wholesale banking services to corporates, government entities, and other enterprises, generating income from its treasury operations, and performing para-banking activities such as offering credit cards, debit cards, etc. Geographically, the company generates a majority of its revenue from its operations in India.
66GF 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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