I-Remit (PHS:I) 3-Year RORE % : -4.96% (As of Sep. 2025)


What is I-Remit 3-Year RORE %?

I-Remit PHS:I 3-Year RORE % is -4.96 as of Sep. 2025. The stock has 7 warning signs investors should review.

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. I-Remit's 3-Year RORE % for the quarter that ended in Sep. 2025 was -4.96%.

The industry rank for I-Remit's 3-Year RORE % or its related term are showing as below:

PHS:I's 3-Year RORE % is not ranked
in the Software industry.
Industry Median: 2.9 vs PHS:I: -4.96

I-Remit  (PHS:I) 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.


I-Remit 3-Year RORE % Related Terms


I-Remit 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for I-Remit'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.

I-Remit 3-Year RORE % Chart

I-Remit Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 253.16 61.70 51.26 28.64 -3.07

I-Remit Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -2.19 -3.07 -5.79 -7.62 -4.96

PHS:I vs MSFT, ORCL, PLTR: 3-Year RORE % Comparison

For the Software - Infrastructure subindustry, I-Remit'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.


I-Remit 3-Year RORE % vs Software Industry

For the Software industry and Technology sector, I-Remit's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where I-Remit's 3-Year RORE % falls into.



I-Remit 3-Year RORE % Calculation

I-Remit's 3-Year RORE % for the quarter that ended in Sep. 2025 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( -0.459--0.536 )/( -1.552-0 )
=0.077/-1.552
=-4.96 %

* 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 Sep. 2025 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of -4.96 mean?
I-Remit (PHS:I) has a 3-Year RORE % of -4.96 as of Sep. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on I-Remit and its competitors.
Is I-Remit's 3-Year RORE % too high?
I-Remit's current 3-Year RORE % is -4.96.
How does I-Remit's 3-Year RORE % compare to MSFT and ORCL?
I-Remit's 3-Year RORE % of -4.96 can be compared against companies in the Software industry. The industry median 3-Year RORE % is 2.90. 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 Software company?
The median 3-Year RORE % among Software companies is 2.90, based on 2,541 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. 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 I-Remit and its competitors. For the Software industry, the median 3-Year RORE % is 2.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. I-Remit's current 3-Year RORE % is -4.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is I-Remit stock overvalued right now?
I-Remit (PHS:I) has a current 3-Year RORE % of -4.96. The stock's GF Value™ is ₱0.07, compared to a current price of ₱0.20 — trading 184.3% above its estimated fair value. The current 3-Year RORE % is -4.96. 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 I-Remit (PHS:I), the current 3-Year RORE % is -4.96 as of Sep. 2025. 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.

I-Remit Business Description

Address No. 25 ADB Avenue, 26th Floor, Discovery Centre, Ortigas Center, Metro Manila, Pasig, QUE, PHL, 1605
I-Remit Inc is a Philippine-based firm. The company with its subsidiaries provides fund transfer and remittance services to overseas Filipino workers and other migrant workers. It offers the bank-to-bank facility for online crediting to a bank account, delivers cash remittances to designated beneficiaries, and provides a visa card, a debit, and an automated teller machine card for sending money to their beneficiaries. The company operates in four geographical segments namely, the Philippines which contributes a majority of revenue, Asia Pacific, North America, and Europe segment.