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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.
Saudi National Bank's 3-Year RORE % for the quarter that ended in Jun. 2026 was 17.10%.
The industry rank for Saudi National Bank's 3-Year RORE % or its related term are showing as below:
SAU:1180's 3-Year RORE % is ranked better than 63.85% of 1469
companies
in the Banks industry
Industry Median: 10.55
vs SAU:1180: 17.10
Saudi National Bank (SAU:1180) 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.
Saudi National Bank 3-Year RORE % Related Terms
Saudi National Bank 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Saudi National Bank'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, Saudi National Bank'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.
Saudi National Bank 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Saudi National Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Saudi National Bank'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.
Saudi National Bank (SAU:1180) has a 3-Year RORE % of 17.10 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 Saudi National Bank and its competitors. According to the industry distribution chart, Saudi National Bank ranks #531 out of 1469 companies in the Banks industry, placing it in the top 36.1%.
Is Saudi National Bank's 3-Year RORE % too high?
Saudi National Bank's current 3-Year RORE % is 17.10. The Banks industry median 3-Year RORE % is 10.55. Saudi National Bank's value of 17.10 is 62.1% above this industry median. Based on the distribution chart, Saudi National Bank ranks #531 out of 1469 companies in the Banks industry, which is above the industry midpoint. Overall, Saudi National Bank has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Saudi National Bank's 3-Year RORE % compare to PNC?
According to the Banks industry distribution chart, Saudi National Bank ranks #531 out of 1469 companies for 3-Year RORE %. This puts Saudi National Bank in the upper half of its industry. The industry median 3-Year RORE % is 10.55. Saudi National Bank's value of 17.10 is 62.1% 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 10.55, based on 1,469 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. Saudi National Bank's current 3-Year RORE % of 17.10 is 62.1% 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 Saudi National Bank and its competitors. For the Banks industry, the median 3-Year RORE % is 10.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Saudi National Bank's current 3-Year RORE % is 17.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Saudi National Bank stock overvalued right now?
Based on GuruFocus' analysis, Saudi National Bank (SAU:1180) is currently considered Fairly Valued. The stock's GF Value™ is ﷼40.42, compared to a current price of ﷼40.86 — trading 1.1% above its estimated fair value. The current 3-Year RORE % is 17.10 and 62.1% above the Banks industry median of 10.55. Saudi National Bank's overall GF Score™ is 71/100 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 Saudi National Bank (SAU:1180), the current 3-Year RORE % is 17.10 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 Saudi National Bank (SAU:1180) Overvalued in 2026?
Based on GuruFocus' analysis, Saudi National Bank stock appears to be overvalued.
The current stock price of ﷼40.86 is trading 1.1% above its estimated GF Value™ of ﷼40.42.
GuruFocus considers Saudi National Bank to be Fairly Valued.
Key valuation signals for SAU:1180:
3-Year RORE %: 17.10
GF Value™: ﷼40.42 vs. price of ﷼40.86 (1.1% above fair value)
Industry Position: 62.1% above the Banks median (#531 of 1469)
No single metric tells the full story. See the SAU:1180 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressKing Fahd Road, Unit No. 778, The Saudi National Bank Tower, 3208 - Al Aqeeq District, King Abdullah Financial District, Riyadh, SAU, 13519 - 6676
Saudi National Bank is a financial institution in Saudi Arabia. It provides a range of banking and investment management services. The company also provides non-special commission based banking products in compliance with Shariah rules. It has four reportable segments: Retail, Wholesale, Capital Market, and International. The majority of the company's revenue is derived from the Wholesale segment, which provides banking services including all conventional credit-related products as well as financing products to small sized businesses, medium and large establishments and companies. Geographically, it has a presence in the Kingdom of Saudi Arabia, GCC and Middle East, Europe, Turkey, North America and Other countries.
71GF Score
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