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.
Srisawad PCL's 3-Year RORE % for the quarter that ended in Mar. 2026 was 7.18%.
The industry rank for Srisawad PCL's 3-Year RORE % or its related term are showing as below:
SRAWY's 3-Year RORE % is ranked worse than 58.03% of 517
companies
in the Credit Services industry
Industry Median: 8.11
vs SRAWY: 7.18
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.
Srisawad PCL 3-Year RORE % Related Terms
Srisawad PCL 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Srisawad PCL'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, Srisawad PCL'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.
Srisawad PCL 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Srisawad PCL's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Srisawad PCL'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.
Srisawad PCL (SRAWY) has a 3-Year RORE % of 7.18 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 Srisawad PCL and its competitors. According to the industry distribution chart, Srisawad PCL ranks #300 out of 517 companies in the Credit Services industry, placing it in the top 58%.
Is Srisawad PCL's 3-Year RORE % too high?
Srisawad PCL's current 3-Year RORE % is 7.18. The Credit Services industry median 3-Year RORE % is 8.11. Srisawad PCL's value of 7.18 is 11.5% below this industry median. Based on the distribution chart, Srisawad PCL ranks #300 out of 517 companies in the Credit Services industry, which is below the industry midpoint. Overall, Srisawad PCL has a GF Score™ of 70/100, reflecting its overall financial health beyond just this single metric.
How does Srisawad PCL's 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Srisawad PCL ranks #300 out of 517 companies for 3-Year RORE %. This places Srisawad PCL in the lower half of its industry. The industry median 3-Year RORE % is 8.11. Srisawad PCL's value of 7.18 is 11.5% 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 8.11, based on 517 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. Srisawad PCL's current 3-Year RORE % of 7.18 is 11.5% 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 Srisawad PCL and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Srisawad PCL's current 3-Year RORE % is 7.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Srisawad PCL stock overvalued right now?
Srisawad PCL (SRAWY) has a current 3-Year RORE % of 7.18. The stock's GF Value™ is $21.21, compared to a current price of $14.90 — trading 29.8% below its estimated fair value. The current 3-Year RORE % is 7.18 and 11.5% below the Credit Services industry median of 8.11. Srisawad PCL's overall GF Score™ is 70/100 with 3 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 Srisawad PCL (SRAWY), the current 3-Year RORE % is 7.18 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 Srisawad PCL (SRAWY) Overvalued in 2026?
Based on GuruFocus' analysis, Srisawad PCL stock appears to be undervalued.
The current stock price of $14.90 is trading 29.8% below its estimated GF Value™ of $21.21.
Key valuation signals for SRAWY:
3-Year RORE %: 7.18
GF Value™: $21.21 vs. price of $14.90 (29.8% below fair value)
Industry Position: 11.5% below the Credit Services median (#300 of 517)
No single metric tells the full story. See the SRAWY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Srisawad Corp PCL provides financial services, including hire-purchase, loan granting, non-performing assets management, investments in other companies, management and consulting services for retail credit systems in local and foreign countries, and credit sales in foreign countries. The company operates through three business segments: Hire-purchase, Loan, which derives key revenue, and Asset management.
70GF Score
Get the complete analysis for SRAWY
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
SRAWY has been successfully added to your 
