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.
Moneta Money Bank AS's 3-Year RORE % for the quarter that ended in Mar. 2026 was 33.13%.
The industry rank for Moneta Money Bank AS's 3-Year RORE % or its related term are showing as below:
STU:MM0's 3-Year RORE % is ranked better than 84.07% of 1475
companies
in the Banks industry
Industry Median: 9.92
vs STU:MM0: 33.13
Moneta Money Bank AS (STU:MM0) 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.
Moneta Money Bank AS 3-Year RORE % Related Terms
Moneta Money Bank AS 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Moneta Money Bank AS'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, Moneta Money Bank AS'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.
Moneta Money Bank AS 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Moneta Money Bank AS's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Moneta Money Bank AS'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.
Moneta Money Bank AS (STU:MM0) has a 3-Year RORE % of 33.13 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 Moneta Money Bank AS and its competitors. According to the industry distribution chart, Moneta Money Bank AS ranks #235 out of 1475 companies in the Banks industry, placing it in the top 15.9%.
Is Moneta Money Bank AS's 3-Year RORE % too high?
Moneta Money Bank AS's current 3-Year RORE % is 33.13. The Banks industry median 3-Year RORE % is 9.92. Moneta Money Bank AS's value of 33.13 is 234% above this industry median. Based on the distribution chart, Moneta Money Bank AS ranks #235 out of 1475 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Moneta Money Bank AS has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Moneta Money Bank AS's 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Moneta Money Bank AS ranks #235 out of 1475 companies for 3-Year RORE %. This places Moneta Money Bank AS in the top 16% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.92. Moneta Money Bank AS's value of 33.13 is 234% 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 9.92, based on 1,475 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. Moneta Money Bank AS's current 3-Year RORE % of 33.13 is 234% 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 Moneta Money Bank AS and its competitors. For the Banks industry, the median 3-Year RORE % is 9.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Moneta Money Bank AS's current 3-Year RORE % is 33.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Moneta Money Bank AS stock overvalued right now?
Based on GuruFocus' analysis, Moneta Money Bank AS (STU:MM0) is currently considered Significantly Overvalued. The stock's GF Value™ is €5.64, compared to a current price of €7.90 — trading 40.1% above its estimated fair value. The current 3-Year RORE % is 33.13 and 234% above the Banks industry median of 9.92. Moneta Money Bank AS's overall GF Score™ is 67/100 with 6 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 Moneta Money Bank AS (STU:MM0), the current 3-Year RORE % is 33.13 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 Moneta Money Bank AS (STU:MM0) Overvalued in 2026?
Based on GuruFocus' analysis, Moneta Money Bank AS stock appears to be overvalued.
The current stock price of €7.90 is trading 40.1% above its estimated GF Value™ of €5.64.
GuruFocus considers Moneta Money Bank AS to be Significantly Overvalued.
Key valuation signals for STU:MM0:
3-Year RORE %: 33.13
GF Value™: €5.64 vs. price of €7.90 (40.1% above fair value)
Industry Position: 234% above the Banks median (#235 of 1475)
No single metric tells the full story. See the STU:MM0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Moneta Money Bank AS is a small and medium-sized enterprise banking institution based in the Czech Republic. The company's segment includes Commercial, Retail, and Other/Treasury. It generates maximum revenue from the Retail segment. The Retail segment focuses on deposits, loans, revolving products, credit cards, mortgages, building savings, and other transactions with retail customers. The Commercial segment consists of deposits, investment loans, revolving products, financing of real estate, and other services related to transactions with small and medium-sized enterprises, corporate clients, financial institutions, and public sector institutions. The Treasury Segment Performance and Other provides mainly the treasury function.
67GF Score
Get the complete analysis for STU:MM0
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
STU:MM0 has been successfully added to your 
