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.
Fidelity Bank's 3-Year RORE % for the quarter that ended in Mar. 2026 was 28.35%.
The industry rank for Fidelity Bank's 3-Year RORE % or its related term are showing as below:
NSA:FBP's 3-Year RORE % is ranked better than 80.79% of 1473
companies
in the Banks industry
Industry Median: 9.87
vs NSA:FBP: 28.35
Fidelity Bank (NSA:FBP) 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.
Fidelity Bank 3-Year RORE % Related Terms
Fidelity Bank 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Fidelity 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, Fidelity 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.
Fidelity Bank 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Fidelity Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Fidelity 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. 2026 and 3-year before.
Fidelity Bank (NSA:FBP) has a 3-Year RORE % of 28.35 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 Fidelity Bank and its competitors. According to the industry distribution chart, Fidelity Bank ranks #283 out of 1473 companies in the Banks industry, placing it in the top 19.2%.
Is Fidelity Bank's 3-Year RORE % too high?
Fidelity Bank's current 3-Year RORE % is 28.35. The Banks industry median 3-Year RORE % is 9.87. Fidelity Bank's value of 28.35 is 187.2% above this industry median. Based on the distribution chart, Fidelity Bank ranks #283 out of 1473 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Fidelity Bank has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fidelity Bank's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Fidelity Bank ranks #283 out of 1473 companies for 3-Year RORE %. This places Fidelity Bank in the top 19% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.87. Fidelity Bank's value of 28.35 is 187.2% 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. Fidelity Bank's current 3-Year RORE % of 28.35 is 187.2% 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 Fidelity Bank 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. Fidelity Bank's current 3-Year RORE % is 28.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fidelity Bank stock overvalued right now?
Based on GuruFocus' analysis, Fidelity Bank (NSA:FBP) is currently considered Modestly Overvalued. The stock's GF Value™ is ₦14.21, compared to a current price of ₦18.00 — trading 26.7% above its estimated fair value. The current 3-Year RORE % is 28.35 and 187.2% above the Banks industry median of 9.87. Fidelity Bank's overall GF Score™ is 71/100 with 4 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 Fidelity Bank (NSA:FBP), the current 3-Year RORE % is 28.35 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 Fidelity Bank (NSA:FBP) Overvalued in 2026?
Based on GuruFocus' analysis, Fidelity Bank stock appears to be overvalued.
The current stock price of ₦18.00 is trading 26.7% above its estimated GF Value™ of ₦14.21.
GuruFocus considers Fidelity Bank to be Modestly Overvalued.
Key valuation signals for NSA:FBP:
3-Year RORE %: 28.35
GF Value™: ₦14.21 vs. price of ₦18.00 (26.7% above fair value)
Industry Position: 187.2% above the Banks median (#283 of 1473)
No single metric tells the full story. See the NSA:FBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fidelity Bank PLC offers banking and other financial services to corporate and individual customers. It operates through segments including Retail banking that offers retail, personal and commercial services to individuals, small and medium business customers and E-Business products to serve retail banking; Its Corporate Banking segment offers commercial and corporate banking services to corporate business customers, it covers the Power and Infrastructure, Oil and Gas Upstream and downstream, Real Estate, Agro-Allied, and other industries; and Investment banking segment is involved in the funding and management of the bank's securities, trading, and investment decisions. It generates maximum revenue from the Retail Segment.
71GF Score
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