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.
PT Bank Mandiri (Persero) Tbk's 3-Year RORE % for the quarter that ended in Mar. 2026 was -1.75%.
PPERF's 3-Year RORE % is ranked worse than 65.22% of 1472
companies
in the Banks industry
Industry Median: 9.875
vs PPERF: -1.75
PT Bank Mandiri (Persero) Tbk (OTCPK:PPERF) 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.
PT Bank Mandiri (Persero) Tbk 3-Year RORE % Related Terms
PT Bank Mandiri (Persero) Tbk 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.
PT Bank Mandiri (Persero) Tbk 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Mandiri (Persero) Tbk'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.
PT Bank Mandiri (Persero) Tbk 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Mandiri (Persero) Tbk's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where PT Bank Mandiri (Persero) Tbk'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.
PT Bank Mandiri (Persero) Tbk (PPERF) has a 3-Year RORE % of -1.75 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 PT Bank Mandiri (Persero) Tbk and its competitors. According to the industry distribution chart, PT Bank Mandiri (Persero) Tbk ranks #960 out of 1472 companies in the Banks industry, placing it in the top 65.2%.
Is PT Bank Mandiri (Persero) Tbk's 3-Year RORE % too high?
PT Bank Mandiri (Persero) Tbk's current 3-Year RORE % is -1.75. Based on the distribution chart, PT Bank Mandiri (Persero) Tbk ranks #960 out of 1472 companies in the Banks industry, which is below the industry midpoint. Overall, PT Bank Mandiri (Persero) Tbk has a GF Score™ of 58/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Mandiri (Persero) Tbk's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, PT Bank Mandiri (Persero) Tbk ranks #960 out of 1472 companies for 3-Year RORE %. This places PT Bank Mandiri (Persero) Tbk in the lower half of its industry. The industry median 3-Year RORE % is 9.88. 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 9.88, based on 1,472 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 PT Bank Mandiri (Persero) Tbk and its competitors. For the Banks industry, the median 3-Year RORE % is 9.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Mandiri (Persero) Tbk's current 3-Year RORE % is -1.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Mandiri (Persero) Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Mandiri (Persero) Tbk (PPERF) is currently considered Significantly Undervalued. The stock's GF Value™ is $0.46, compared to a current price of $0.24 — trading 48.6% below its estimated fair value. The current 3-Year RORE % is -1.75. PT Bank Mandiri (Persero) Tbk's overall GF Score™ is 58/100 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 PT Bank Mandiri (Persero) Tbk (PPERF), the current 3-Year RORE % is -1.75 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 PT Bank Mandiri (Persero) Tbk (PPERF) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Mandiri (Persero) Tbk stock appears to be undervalued.
The current stock price of $0.24 is trading 48.6% below its estimated GF Value™ of $0.46.
GuruFocus considers PT Bank Mandiri (Persero) Tbk to be Significantly Undervalued.
Key valuation signals for PPERF:
3-Year RORE %: -1.75
GF Value™: $0.46 vs. price of $0.24 (48.6% below fair value)
No single metric tells the full story. See the PPERF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Mandiri (Persero) Tbk Business Description
PT Bank Mandiri (Persero) Tbk is engaged in the provision of banking services. Its services include collecting funds from the public in forms of current accounts, term deposits, deposit certificates, savings, and/or other equivalent forms; Lending; Issuing promissory notes; Purchasing, selling, or guaranteeing on own risk or for the interest of and upon orders of the customers; and money transfer for self- interest or customers' interest. Its segments include the Wholesale segment and the Retail segment. Geographically, it operates in Indonesia, Asia (Singapore, Hong Kong, Timor Leste, Shanghai, Malaysia), Western Europe (United Kingdom), and the Cayman Islands.
58GF Score
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