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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.
Repco Home Finance's 3-Year RORE % for the quarter that ended in Mar. 2026 was 4.70%.
The industry rank for Repco Home Finance's 3-Year RORE % or its related term are showing as below:
NSE:REPCOHOME's 3-Year RORE % is ranked worse than 63.43% of 1471
companies
in the Banks industry
Industry Median: 9.93
vs NSE:REPCOHOME: 4.70
Repco Home Finance (NSE:REPCOHOME) 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.
Repco Home Finance 3-Year RORE % Related Terms
Repco Home Finance 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Repco Home Finance'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.
NSE:REPCOHOME vs RKT, FNMA, PFSI: 3-Year RORE % Comparison
For the Mortgage Finance subindustry, Repco Home Finance'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.
Repco Home Finance 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Repco Home Finance's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Repco Home Finance'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.
Repco Home Finance (NSE:REPCOHOME) has a 3-Year RORE % of 4.70 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 Repco Home Finance and its competitors. According to the industry distribution chart, Repco Home Finance ranks #933 out of 1471 companies in the Banks industry, placing it in the top 63.4%.
Is Repco Home Finance's 3-Year RORE % too high?
Repco Home Finance's current 3-Year RORE % is 4.70. The Banks industry median 3-Year RORE % is 9.93. Repco Home Finance's value of 4.70 is 52.7% below this industry median. Based on the distribution chart, Repco Home Finance ranks #933 out of 1471 companies in the Banks industry, which is below the industry midpoint. Overall, Repco Home Finance has a GF Score™ of 78/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Repco Home Finance's 3-Year RORE % compare to RKT and FNMA?
According to the Banks industry distribution chart, Repco Home Finance ranks #933 out of 1471 companies for 3-Year RORE %. This places Repco Home Finance in the lower half of its industry. The industry median 3-Year RORE % is 9.93. Repco Home Finance's value of 4.70 is 52.7% 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 9.93, based on 1,471 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. Repco Home Finance's current 3-Year RORE % of 4.70 is 52.7% 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 Repco Home Finance and its competitors. For the Banks industry, the median 3-Year RORE % is 9.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Repco Home Finance's current 3-Year RORE % is 4.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Repco Home Finance stock overvalued right now?
Based on GuruFocus' analysis, Repco Home Finance (NSE:REPCOHOME) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹500.63, compared to a current price of ₹388.40 — trading 22.4% below its estimated fair value. The current 3-Year RORE % is 4.70 and 52.7% below the Banks industry median of 9.93. Repco Home Finance's overall GF Score™ is 78/100 with 5 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 Repco Home Finance (NSE:REPCOHOME), the current 3-Year RORE % is 4.70 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 Repco Home Finance (NSE:REPCOHOME) Overvalued in 2026?
Based on GuruFocus' analysis, Repco Home Finance stock appears to be undervalued.
The current stock price of ₹388.40 is trading 22.4% below its estimated GF Value™ of ₹500.63.
GuruFocus considers Repco Home Finance to be Modestly Undervalued.
Key valuation signals for NSE:REPCOHOME:
3-Year RORE %: 4.70
GF Value™: ₹500.63 vs. price of ₹388.40 (22.4% below fair value)
Industry Position: 52.7% below the Banks median (#933 of 1471)
No single metric tells the full story. See the NSE:REPCOHOME stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Repco Home Finance Ltd is an India-based company that is engaged in housing finance. The company provides a broad range of individual home loans and loans against property. The company operates in two business segments: Individual Home Loans and Home Equity. The company operates business solely in India, with a retail network of branches and satellite centers expanding across several states.
78GF Score
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