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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.
Aeon Thana Sinsap (Thailand) PCL's 3-Year RORE % for the quarter that ended in May. 2026 was -13.80%.
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.
Aeon Thana Sinsap (Thailand) PCL 3-Year RORE % Related Terms
Aeon Thana Sinsap (Thailand) PCL 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.
For the Credit Services subindustry, Aeon Thana Sinsap (Thailand) 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.
Aeon Thana Sinsap (Thailand) PCL 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Aeon Thana Sinsap (Thailand) PCL's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Aeon Thana Sinsap (Thailand) 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 May. 2026 and 3-year before.
Aeon Thana Sinsap (Thailand) PCL (STU:AE3) has a 3-Year RORE % of -13.80 as of May. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Aeon Thana Sinsap (Thailand) PCL and its competitors. According to the industry distribution chart, Aeon Thana Sinsap (Thailand) PCL ranks #316 out of 517 companies in the Credit Services industry, placing it in the top 61.1%.
Is Aeon Thana Sinsap (Thailand) PCL's 3-Year RORE % too high?
Aeon Thana Sinsap (Thailand) PCL's current 3-Year RORE % is -13.80. Based on the distribution chart, Aeon Thana Sinsap (Thailand) PCL ranks #316 out of 517 companies in the Credit Services industry, which is below the industry midpoint. Overall, Aeon Thana Sinsap (Thailand) PCL has a GF Score™ of 51/100, reflecting its overall financial health beyond just this single metric.
How does Aeon Thana Sinsap (Thailand) PCL's 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Aeon Thana Sinsap (Thailand) PCL ranks #316 out of 517 companies for 3-Year RORE %. This places Aeon Thana Sinsap (Thailand) PCL in the lower half of its industry. The industry median 3-Year RORE % is 8.11. 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. 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 Aeon Thana Sinsap (Thailand) 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. Aeon Thana Sinsap (Thailand) PCL's current 3-Year RORE % is -13.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aeon Thana Sinsap (Thailand) PCL stock overvalued right now?
Aeon Thana Sinsap (Thailand) PCL (STU:AE3) has a current 3-Year RORE % of -13.80. The stock's GF Value™ is €2.44, compared to a current price of €2.30 — trading 5.7% below its estimated fair value. The current 3-Year RORE % is -13.80. Aeon Thana Sinsap (Thailand) PCL's overall GF Score™ is 51/100 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 Aeon Thana Sinsap (Thailand) PCL (STU:AE3), the current 3-Year RORE % is -13.80 as of May. 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 Aeon Thana Sinsap (Thailand) PCL (STU:AE3) Overvalued in 2026?
Based on GuruFocus' analysis, Aeon Thana Sinsap (Thailand) PCL stock appears to be undervalued.
The current stock price of €2.30 is trading 5.7% below its estimated GF Value™ of €2.44.
Key valuation signals for STU:AE3:
3-Year RORE %: -13.80
GF Value™: €2.44 vs. price of €2.30 (5.7% below fair value)
No single metric tells the full story. See the STU:AE3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Aeon Thana Sinsap (Thailand) PCL Business Description
Aeon Thana Sinsap (Thailand) PCL provides retail financial services including credit card issuance, hire-purchase loans, and other personal loans that collectively provide almost all the company's revenue. The company operates in two segments; Retail finance services and Other business. It generates maximum revenue from the Retail finance services segment which Consist of credit card, hire-purchase and personal loans and others.
51GF Score
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