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.
Viet Nam Joint Stock Commercial Bank For Industry And Trade's 3-Year RORE % for the quarter that ended in Mar. 2026 was 22.12%.
STC:CTG's 3-Year RORE % is ranked better than 73.86% of 1473
companies
in the Banks industry
Industry Median: 9.87
vs STC:CTG: 22.12
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) 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.
Viet Nam Joint Stock Commercial Bank For Industry And Trade 3-Year RORE % Related Terms
Viet Nam Joint Stock Commercial Bank For Industry And Trade 3-Year RORE % Historical Data
* 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.
Viet Nam Joint Stock Commercial Bank For Industry And Trade 3-Year RORE % Chart
Viet Nam Joint Stock Commercial Bank For Industry And Trade Annual Data
* 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.
Viet Nam Joint Stock Commercial Bank For Industry And Trade 3-Year RORE % vs Banks Industry
* 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.
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) has a 3-Year RORE % of 22.12 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors. According to the industry distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #385 out of 1473 companies in the Banks industry, placing it in the top 26.1%.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade's 3-Year RORE % too high?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's current 3-Year RORE % is 22.12. The Banks industry median 3-Year RORE % is 9.87. Viet Nam Joint Stock Commercial Bank For Industry And Trade's value of 22.12 is 124.1% above this industry median. Based on the distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #385 out of 1473 companies in the Banks industry, which is above the industry midpoint. Overall, Viet Nam Joint Stock Commercial Bank For Industry And Trade has a GF Score™ of 84/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Viet Nam Joint Stock Commercial Bank For Industry And Trade's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #385 out of 1473 companies for 3-Year RORE %. This puts Viet Nam Joint Stock Commercial Bank For Industry And Trade in the upper half of its industry. The industry median 3-Year RORE % is 9.87. Viet Nam Joint Stock Commercial Bank For Industry And Trade's value of 22.12 is 124.1% 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 9.87, based on 1,473 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. Viet Nam Joint Stock Commercial Bank For Industry And Trade's current 3-Year RORE % of 22.12 is 124.1% 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Viet Nam Joint Stock Commercial Bank For Industry And Trade's current 3-Year RORE % is 22.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade stock overvalued right now?
Based on GuruFocus' analysis, Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) is currently considered Fairly Valued. The stock's GF Value™ is ₫32,055.58, compared to a current price of ₫34,150.00 — trading 6.5% above its estimated fair value. The current 3-Year RORE % is 22.12 and 124.1% above the Banks industry median of 9.87. Viet Nam Joint Stock Commercial Bank For Industry And Trade's overall GF Score™ is 84/100. 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG), the current 3-Year RORE % is 22.12 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) Overvalued in 2026?
Based on GuruFocus' analysis, Viet Nam Joint Stock Commercial Bank For Industry And Trade stock appears to be overvalued.
The current stock price of ₫34,150.00 is trading 6.5% above its estimated GF Value™ of ₫32,055.58.
GuruFocus considers Viet Nam Joint Stock Commercial Bank For Industry And Trade to be Fairly Valued.
Key valuation signals for STC:CTG:
3-Year RORE %: 22.12
GF Value™: ₫32,055.58 vs. price of ₫34,150.00 (6.5% above fair value)
Industry Position: 124.1% above the Banks median (#385 of 1473)
No single metric tells the full story. See the STC:CTG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Viet Nam Joint Stock Commercial Bank For Industry And Trade Business Description
Viet Nam Joint Stock Commercial Bank For Industry And Trade is a Vietnam based banking service provider. The company's operating segment include Banking financial services, Non-banking financial services, and Others. It generates maximum revenue from the Banking financial services segment. The company provides banking services including mobilizing and receiving short, medium and long-term deposits from organizations or individuals; making short, medium and long term loans and advances to organizations and individuals; conducting foreign exchange transactions, international trade finance services, discounting of commercial papers, bonds and other valuable papers and other services.
84GF Score
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