Raiffeisen Bank Aval JSCPFTS:BAVL 3-Year RORE % is 25.08 as of Mar. 2026. The stock has 2 warning signs investors should review. Among 1,473 Banks companies, Raiffeisen Bank Aval JSC ranks better than 77.12% 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.
Raiffeisen Bank Aval JSC's 3-Year RORE % for the quarter that ended in Mar. 2026 was 25.08%.
The industry rank for Raiffeisen Bank Aval JSC's 3-Year RORE % or its related term are showing as below:
PFTS:BAVL's 3-Year RORE % is ranked better than 77.12% of 1473
companies
in the Banks industry
Industry Median: 9.87
vs PFTS:BAVL: 25.08
Raiffeisen Bank Aval JSC (PFTS:BAVL) 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.
Raiffeisen Bank Aval JSC 3-Year RORE % Related Terms
Raiffeisen Bank Aval JSC 3-Year RORE % Historical Data
* 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, Raiffeisen Bank Aval JSC'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.
Raiffeisen Bank Aval JSC 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Raiffeisen Bank Aval JSC's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Raiffeisen Bank Aval JSC'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.
Raiffeisen Bank Aval JSC (PFTS:BAVL) has a 3-Year RORE % of 25.08 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 Raiffeisen Bank Aval JSC and its competitors. According to the industry distribution chart, Raiffeisen Bank Aval JSC ranks #337 out of 1473 companies in the Banks industry, placing it in the top 22.9%.
Is Raiffeisen Bank Aval JSC's 3-Year RORE % too high?
Raiffeisen Bank Aval JSC's current 3-Year RORE % is 25.08. The Banks industry median 3-Year RORE % is 9.87. Raiffeisen Bank Aval JSC's value of 25.08 is 154.1% above this industry median. Based on the distribution chart, Raiffeisen Bank Aval JSC ranks #337 out of 1473 companies in the Banks industry, which is in the top quartile — a strong position relative to peers.
How does Raiffeisen Bank Aval JSC's 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Raiffeisen Bank Aval JSC ranks #337 out of 1473 companies for 3-Year RORE %. This places Raiffeisen Bank Aval JSC in the top 23% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.87. Raiffeisen Bank Aval JSC's value of 25.08 is 154.1% 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. Raiffeisen Bank Aval JSC's current 3-Year RORE % of 25.08 is 154.1% 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 Raiffeisen Bank Aval JSC 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. Raiffeisen Bank Aval JSC's current 3-Year RORE % is 25.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raiffeisen Bank Aval JSC stock overvalued right now?
Based on GuruFocus' analysis, Raiffeisen Bank Aval JSC (PFTS:BAVL) is currently considered Fairly Valued. The stock's GF Value™ is ₴0.46, compared to a current price of ₴0.46 — trading 0.6% above its estimated fair value. The current 3-Year RORE % is 25.08 and 154.1% above the Banks industry median of 9.87. 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 Raiffeisen Bank Aval JSC (PFTS:BAVL), the current 3-Year RORE % is 25.08 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.
Raiffeisen Bank Aval JSC is a Ukraine based bank. It provides banking services to private individuals, corporate clients, and small and micro enterprises in Ukraine through electronic channels. It offers services and products to private individuals, including deposits; money transfers in UAH and foreign currencies, with or without opening an account; a wide list of new payment instruments including MasterCard and Visa International cards; consumer loans and many others. Its segments include Corporate & Small enterprises, Micro customers & Private individuals, Financial institutions, and Proprietary business. The majority of its revenue comes from Corporate & Small enterprises segment.
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