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.
Automotive Finco's 3-Year RORE % for the quarter that ended in Mar. 2026 was -73.17%.
The industry rank for Automotive Finco's 3-Year RORE % or its related term are showing as below:
RMIAF's 3-Year RORE % is ranked worse than 86.87% of 518
companies
in the Credit Services industry
Industry Median: 8.3
vs RMIAF: -73.17
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.
Automotive Finco 3-Year RORE % Related Terms
Automotive Finco 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Automotive Finco'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.
For the Credit Services subindustry, Automotive Finco'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.
Automotive Finco 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Automotive Finco's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Automotive Finco'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.
Automotive Finco (RMIAF) has a 3-Year RORE % of -73.17 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 Automotive Finco and its competitors. According to the industry distribution chart, Automotive Finco ranks #450 out of 518 companies in the Credit Services industry, placing it in the top 86.9%.
Is Automotive Finco's 3-Year RORE % too high?
Automotive Finco's current 3-Year RORE % is -73.17. Based on the distribution chart, Automotive Finco ranks #450 out of 518 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Automotive Finco has a GF Score™ of 45/100, reflecting its overall financial health beyond just this single metric.
How does Automotive Finco's 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Automotive Finco ranks #450 out of 518 companies for 3-Year RORE %. This places Automotive Finco in the lower half of its industry. The industry median 3-Year RORE % is 8.30. 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 8.30, based on 518 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 Automotive Finco and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Automotive Finco's current 3-Year RORE % is -73.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Automotive Finco stock overvalued right now?
Automotive Finco (RMIAF) has a current 3-Year RORE % of -73.17. The stock's GF Value™ is $0.01, compared to a current price of $0.01 — trading 11% above its estimated fair value. The current 3-Year RORE % is -73.17. Automotive Finco's overall GF Score™ is 45/100 with 7 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 Automotive Finco (RMIAF), the current 3-Year RORE % is -73.17 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 Automotive Finco (RMIAF) Overvalued in 2026?
Based on GuruFocus' analysis, Automotive Finco stock appears to be overvalued.
The current stock price of $0.01 is trading 11% above its estimated GF Value™ of $0.01.
Key valuation signals for RMIAF:
3-Year RORE %: -73.17
GF Value™: $0.01 vs. price of $0.01 (11% above fair value)
No single metric tells the full story. See the RMIAF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Automotive Finco Corp p is a finance company focused exclusively on the auto retail sector. The company also pursues other direct investments and financing opportunities across the auto retail sector. Through its investment in Automotive Finance LP, it is engaged in the business of lending and administering investment funds. The company has only one operating segment: Investment issuer focused on providing debt financing and making other investments in the auto retail sector.
45GF Score
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