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.
Ecobank Transnational's 3-Year RORE % for the quarter that ended in Mar. 2026 was 12.36%.
The industry rank for Ecobank Transnational's 3-Year RORE % or its related term are showing as below:
NSA:ETI's 3-Year RORE % is ranked better than 54.78% of 1475
companies
in the Banks industry
Industry Median: 9.92
vs NSA:ETI: 12.36
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.
Ecobank Transnational 3-Year RORE % Related Terms
Ecobank Transnational 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Ecobank Transnational'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, Ecobank Transnational'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.
Ecobank Transnational 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Ecobank Transnational's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Ecobank Transnational'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.
Ecobank Transnational (NSA:ETI) has a 3-Year RORE % of 12.36 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 Ecobank Transnational and its competitors. According to the industry distribution chart, Ecobank Transnational ranks #667 out of 1475 companies in the Banks industry, placing it in the top 45.2%.
Is Ecobank Transnational's 3-Year RORE % too high?
Ecobank Transnational's current 3-Year RORE % is 12.36. The Banks industry median 3-Year RORE % is 9.92. Ecobank Transnational's value of 12.36 is 24.6% above this industry median. Based on the distribution chart, Ecobank Transnational ranks #667 out of 1475 companies in the Banks industry, which is above the industry midpoint. Overall, Ecobank Transnational has a GF Score™ of 32/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ecobank Transnational's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Ecobank Transnational ranks #667 out of 1475 companies for 3-Year RORE %. This puts Ecobank Transnational in the upper half of its industry. The industry median 3-Year RORE % is 9.92. Ecobank Transnational's value of 12.36 is 24.6% 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 9.92, based on 1,475 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. Ecobank Transnational's current 3-Year RORE % of 12.36 is 24.6% 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 Ecobank Transnational and its competitors. For the Banks industry, the median 3-Year RORE % is 9.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ecobank Transnational's current 3-Year RORE % is 12.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ecobank Transnational stock overvalued right now?
Based on GuruFocus' analysis, Ecobank Transnational (NSA:ETI) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦34.22, compared to a current price of ₦85.70 — trading 150.4% above its estimated fair value. The current 3-Year RORE % is 12.36 and 24.6% above the Banks industry median of 9.92. Ecobank Transnational's overall GF Score™ is 32/100 with 2 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 Ecobank Transnational (NSA:ETI), the current 3-Year RORE % is 12.36 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 Ecobank Transnational (NSA:ETI) Overvalued in 2026?
Based on GuruFocus' analysis, Ecobank Transnational stock appears to be overvalued.
The current stock price of ₦85.70 is trading 150.4% above its estimated GF Value™ of ₦34.22.
GuruFocus considers Ecobank Transnational to be Significantly Overvalued.
Key valuation signals for NSA:ETI:
3-Year RORE %: 12.36
GF Value™: ₦34.22 vs. price of ₦85.70 (150.4% above fair value)
Industry Position: 24.6% above the Banks median (#667 of 1475)
No single metric tells the full story. See the NSA:ETI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ecobank Transnational Inc is a pan-African banking group. Through its subsidiaries, it provides retail, corporate and investment banking services throughout sub Saharan Africa outside South Africa. The company operates in three principal business reporting segments: Consumer Banking (CSB), Commercial Banking (CMB) and Corporate and Investment Banking (CIB). The majority of the revenue is derived from the Corporate and Investment Banking segment, which provides various financial services, including FICC, cash management, trade, loans and liquidity and securities, wealth, and asset management. Geographically, it derives the maximum revenue from Francophone West Africa (UEMOA), and the rest from Nigeria, Anglophone West Africa (AWA), and Central, Eastern and Southern Africa (CESA).
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