Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
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.
Banqueudi Fransi's 3-Year RORE % for the quarter that ended in Jun. 2026 was 13.11%.
The industry rank for Banqueudi Fransi's 3-Year RORE % or its related term are showing as below:
SAU:1050's 3-Year RORE % is ranked better than 55.1% of 1470
companies
in the Banks industry
Industry Median: 10.21
vs SAU:1050: 13.11
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.
Banqueudi Fransi 3-Year RORE % Related Terms
Banqueudi Fransi 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Banqueudi Fransi'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 Banks - Regional subindustry, Banqueudi Fransi'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.
Banqueudi Fransi 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Banqueudi Fransi's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Banqueudi Fransi'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 Jun. 2026 and 3-year before.
Banqueudi Fransi (SAU:1050) has a 3-Year RORE % of 13.11 as of Jun. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Banqueudi Fransi and its competitors. According to the industry distribution chart, Banqueudi Fransi ranks #660 out of 1470 companies in the Banks industry, placing it in the top 44.9%.
Is Banqueudi Fransi's 3-Year RORE % too high?
Banqueudi Fransi's current 3-Year RORE % is 13.11. The Banks industry median 3-Year RORE % is 10.21. Banqueudi Fransi's value of 13.11 is 28.4% above this industry median. Based on the distribution chart, Banqueudi Fransi ranks #660 out of 1470 companies in the Banks industry, which is above the industry midpoint. Overall, Banqueudi Fransi has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banqueudi Fransi's 3-Year RORE % compare to PNC?
According to the Banks industry distribution chart, Banqueudi Fransi ranks #660 out of 1470 companies for 3-Year RORE %. This puts Banqueudi Fransi in the upper half of its industry. The industry median 3-Year RORE % is 10.21. Banqueudi Fransi's value of 13.11 is 28.4% 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 10.21, based on 1,470 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. Banqueudi Fransi's current 3-Year RORE % of 13.11 is 28.4% 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 Banqueudi Fransi and its competitors. For the Banks industry, the median 3-Year RORE % is 10.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banqueudi Fransi's current 3-Year RORE % is 13.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banqueudi Fransi stock overvalued right now?
Based on GuruFocus' analysis, Banqueudi Fransi (SAU:1050) is currently considered Fairly Valued. The stock's GF Value™ is ﷼19.50, compared to a current price of ﷼20.40 — trading 4.6% above its estimated fair value. The current 3-Year RORE % is 13.11 and 28.4% above the Banks industry median of 10.21. Banqueudi Fransi's overall GF Score™ is 69/100 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 Banqueudi Fransi (SAU:1050), the current 3-Year RORE % is 13.11 as of Jun. 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 Banqueudi Fransi (SAU:1050) Overvalued in 2026?
Based on GuruFocus' analysis, Banqueudi Fransi stock appears to be overvalued.
The current stock price of ﷼20.40 is trading 4.6% above its estimated GF Value™ of ﷼19.50.
GuruFocus considers Banqueudi Fransi to be Fairly Valued.
Key valuation signals for SAU:1050:
3-Year RORE %: 13.11
GF Value™: ﷼19.50 vs. price of ﷼20.40 (4.6% above fair value)
Industry Position: 28.4% above the Banks median (#660 of 1470)
No single metric tells the full story. See the SAU:1050 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banque Saudi Fransi is a full-service Bank that includes Islamic products, which are approved and supervised by an independent Shariah Board. It offers a comprehensive suite of financial solutions in corporate and retail banking, as well as investment banking, asset management, investment funds, and brokerage services. The company's reportable segments are: Retail Banking, Corporate Banking, Treasury, Investment banking and brokerage. The majority of the company's revenue is derived from the Corporate Banking segment. Geographically, it has a presence in Saudi Arabia, the Middle East, Europe, North America and Other Countries.
69GF Score
Get the complete analysis for SAU:1050
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SAU:1050 has been successfully added to your 
