Eleving GroupORSE:ELEVR -0.30%38 3-Year RORE % is 64.02 as of Mar. 2026. GuruFocus rates ORSE:ELEVR with a GF Score™ of 38/100. The stock has 3 warning signs investors should review. Among 519 Credit Services companies, Eleving Group ranks better than 86.13% 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.
Eleving Group's 3-Year RORE % for the quarter that ended in Mar. 2026 was 64.02%.
The industry rank for Eleving Group's 3-Year RORE % or its related term are showing as below:
ORSE:ELEVR's 3-Year RORE % is ranked better than 86.13% of 519
companies
in the Credit Services industry
Industry Median: 8.83
vs ORSE:ELEVR: 64.02
Eleving Group (ORSE:ELEVR) 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.
Eleving Group 3-Year RORE % Related Terms
Eleving Group 3-Year RORE % Historical Data
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The historical data trend for Eleving Group'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.
ORSE:ELEVR vs V, MA, AXP: 3-Year RORE % Comparison
For the Credit Services subindustry, Eleving Group'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.
Eleving Group 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Eleving Group's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Eleving Group'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.
Eleving Group (ORSE:ELEVR) has a 3-Year RORE % of 64.02 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 Eleving Group and its competitors. According to the industry distribution chart, Eleving Group ranks #72 out of 519 companies in the Credit Services industry, placing it in the top 13.9%.
Is Eleving Group's 3-Year RORE % too high?
Eleving Group's current 3-Year RORE % is 64.02. The Credit Services industry median 3-Year RORE % is 8.83. Eleving Group's value of 64.02 is 625% above this industry median. Based on the distribution chart, Eleving Group ranks #72 out of 519 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Eleving Group has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does Eleving Group's 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Eleving Group ranks #72 out of 519 companies for 3-Year RORE %. This places Eleving Group in the top 14% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 8.83. Eleving Group's value of 64.02 is 625% 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 Credit Services company?
The median 3-Year RORE % among Credit Services companies is 8.83, based on 519 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. Eleving Group's current 3-Year RORE % of 64.02 is 625% 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 Eleving Group and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Eleving Group's current 3-Year RORE % is 64.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Eleving Group stock overvalued right now?
Eleving Group (ORSE:ELEVR) has a current 3-Year RORE % of 64.02. The current 3-Year RORE % is 64.02 and 625% above the Credit Services industry median of 8.83. Eleving Group's overall GF Score™ is 38/100 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 Eleving Group (ORSE:ELEVR), the current 3-Year RORE % is 64.02 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.
Eleving Group SA is a fintech company providing vehicle, device, and consumer lending solutions across both emerging and developed markets. The Group operates two core business lines: vehicle & device finance, offering car and motorcycle loans, car rent-to-own solutions, and smartphone financing, and consumer finance, which includes single-payment, instalment, and long-term unsecured loans. It has presence in around 17 markets across three continents, the Group focuses on expanding access to financial services, supporting financial inclusion, and promoting upward social mobility in underserved communities world-wide.
38GF Score
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