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.
Sentage Holdings's 3-Year RORE % for the quarter that ended in Dec. 2025 was 4.74%.
The industry rank for Sentage Holdings's 3-Year RORE % or its related term are showing as below:
SNTG's 3-Year RORE % is ranked worse than 55.68% of 519
companies
in the Credit Services industry
Industry Median: 8.33
vs SNTG: 4.74
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.
Sentage Holdings 3-Year RORE % Related Terms
Sentage Holdings 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Sentage Holdings'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.
SNTG vs SPFX, SPST, VNTA: 3-Year RORE % Comparison
For the Credit Services subindustry, Sentage Holdings'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.
Sentage Holdings 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sentage Holdings's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Sentage Holdings'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 Dec. 2025 and 3-year before.
Sentage Holdings (SNTG) has a 3-Year RORE % of 4.74 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Sentage Holdings and its competitors. According to the industry distribution chart, Sentage Holdings ranks #289 out of 519 companies in the Credit Services industry, placing it in the top 55.7%.
Is Sentage Holdings' 3-Year RORE % too high?
Sentage Holdings' current 3-Year RORE % is 4.74. The Credit Services industry median 3-Year RORE % is 8.33. Sentage Holdings' value of 4.74 is 43.1% below this industry median. Based on the distribution chart, Sentage Holdings ranks #289 out of 519 companies in the Credit Services industry, which is below the industry midpoint. Overall, Sentage Holdings has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sentage Holdings' 3-Year RORE % compare to SPFX and SPST?
According to the Credit Services industry distribution chart, Sentage Holdings ranks #289 out of 519 companies for 3-Year RORE %. This places Sentage Holdings in the lower half of its industry. The industry median 3-Year RORE % is 8.33. Sentage Holdings' value of 4.74 is 43.1% below 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 Credit Services company?
The median 3-Year RORE % among Credit Services companies is 8.33, based on 519 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. Sentage Holdings's current 3-Year RORE % of 4.74 is 43.1% below 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 Sentage Holdings and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sentage Holdings's current 3-Year RORE % is 4.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sentage Holdings stock overvalued right now?
Based on GuruFocus' analysis, Sentage Holdings (SNTG) is currently considered Significantly Overvalued. The stock's GF Value™ is $1.04, compared to a current price of $2.04 — trading 96.1% above its estimated fair value. The current 3-Year RORE % is 4.74 and 43.1% below the Credit Services industry median of 8.33. Sentage Holdings' overall GF Score™ is 46/100 with 5 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 Sentage Holdings (SNTG), the current 3-Year RORE % is 4.74 as of Dec. 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.
Is Sentage Holdings (SNTG) Overvalued in 2026?
Based on GuruFocus' analysis, Sentage Holdings stock appears to be overvalued.
The current stock price of $2.04 is trading 96.1% above its estimated GF Value™ of $1.04.
GuruFocus considers Sentage Holdings to be Significantly Overvalued.
Key valuation signals for SNTG:
3-Year RORE %: 4.74
GF Value™: $1.04 vs. price of $2.04 (96.1% above fair value)
Industry Position: 43.1% below the Credit Services median (#289 of 519)
No single metric tells the full story. See the SNTG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sentage Holdings Inc is a financial service provider. The company offers a comprehensive range of financial services across consumer loan repayment and collection management, loan recommendation, and prepaid payment network services in China.
46GF Score
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