ZEAL Network SE (STU:TIM) 3-Year RORE % : 26.21% (As of Mar. 2026)

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STU:TIM ZEAL Network SE STU:TIM
87 GF Score
Price €44.20
GF Value €69.33
Valuation Significantly Undervalued
! 2 Warning Signs
View Full Analysis

What is ZEAL Network SE 3-Year RORE %?

ZEAL Network SE STU:TIM +0.45% 87 3-Year RORE % is 26.21 as of Mar. 2026. GuruFocus rates STU:TIM with a GF Score™ of 87/100 and a GF Value™ of €69.33 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 787 Travel & Leisure companies, ZEAL Network SE ranks better than 71.66% on this metric.

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. ZEAL Network SE's 3-Year RORE % for the quarter that ended in Mar. 2026 was 26.21%.

The industry rank for ZEAL Network SE's 3-Year RORE % or its related term are showing as below:

STU:TIM's 3-Year RORE % is ranked better than
71.66% of 787 companies
in the Travel & Leisure industry
Industry Median: 4.08 vs STU:TIM: 26.21

ZEAL Network SE  (STU:TIM) 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.


ZEAL Network SE 3-Year RORE % Related Terms


ZEAL Network SE 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for ZEAL Network SE'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.

ZEAL Network SE 3-Year RORE % Chart

ZEAL Network SE Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 194.87 -30.94 -9.09 218.89 74.73

ZEAL Network SE Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 131.30 125.00 98.82 74.73 26.21

STU:TIM vs FLUT, DKNG, SGHC: 3-Year RORE % Comparison

For the Gambling subindustry, ZEAL Network SE'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.


ZEAL Network SE 3-Year RORE % vs Travel & Leisure Industry

For the Travel & Leisure industry and Consumer Cyclical sector, ZEAL Network SE's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where ZEAL Network SE's 3-Year RORE % falls into.


STU:TIM
87GF Score
ZEAL Network SE STU:TIM
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

ZEAL Network SE 3-Year RORE % Calculation

ZEAL Network SE's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 1.9-1.36 )/( 5.46-3.4 )
=0.54/2.06
=26.21 %

* 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.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 26.21 mean?
ZEAL Network SE (STU:TIM) has a 3-Year RORE % of 26.21 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 ZEAL Network SE and its competitors. According to the industry distribution chart, ZEAL Network SE ranks #223 out of 787 companies in the Travel & Leisure industry, placing it in the top 28.3%.
Is ZEAL Network SE's 3-Year RORE % too high?
ZEAL Network SE's current 3-Year RORE % is 26.21. The Travel & Leisure industry median 3-Year RORE % is 4.08. ZEAL Network SE's value of 26.21 is 542.4% above this industry median. Based on the distribution chart, ZEAL Network SE ranks #223 out of 787 companies in the Travel & Leisure industry, which is above the industry midpoint. Overall, ZEAL Network SE has a GF Score™ of 87/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ZEAL Network SE's 3-Year RORE % compare to FLUT and DKNG?
According to the Travel & Leisure industry distribution chart, ZEAL Network SE ranks #223 out of 787 companies for 3-Year RORE %. This puts ZEAL Network SE in the upper half of its industry. The industry median 3-Year RORE % is 4.08. ZEAL Network SE's value of 26.21 is 542.4% 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 Travel & Leisure company?
The median 3-Year RORE % among Travel & Leisure companies is 4.08, based on 787 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. ZEAL Network SE's current 3-Year RORE % of 26.21 is 542.4% 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 ZEAL Network SE and its competitors. For the Travel & Leisure industry, the median 3-Year RORE % is 4.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ZEAL Network SE's current 3-Year RORE % is 26.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ZEAL Network SE stock overvalued right now?
Based on GuruFocus' analysis, ZEAL Network SE (STU:TIM) is currently considered Significantly Undervalued. The stock's GF Value™ is €69.33, compared to a current price of €44.20 — trading 36.2% below its estimated fair value. The current 3-Year RORE % is 26.21 and 542.4% above the Travel & Leisure industry median of 4.08. ZEAL Network SE's overall GF Score™ is 87/100 with 2 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 ZEAL Network SE (STU:TIM), the current 3-Year RORE % is 26.21 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 ZEAL Network SE (STU:TIM) Overvalued in 2026?

Based on GuruFocus' analysis, ZEAL Network SE stock appears to be undervalued. The current stock price of €44.20 is trading 36.2% below its estimated GF Value™ of €69.33. GuruFocus considers ZEAL Network SE to be Significantly Undervalued.

Key valuation signals for STU:TIM:

  • 3-Year RORE %: 26.21
  • GF Value™: €69.33 vs. price of €44.20 (36.2% below fair value)
  • GF Score™: 87/100 with 2 warning signs
  • Industry Position: 542.4% above the Travel & Leisure median (#223 of 787)

No single metric tells the full story. See the STU:TIM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


ZEAL Network SE Business Description

Address Strassenbahnring 11, Hamburg, NI, DEU, 20251
ZEAL Network SE is an e-commerce group of companies company specializing in the area of online lottery. The company offers consumer-facing lottery-based games as well as business-to-business solutions. The operating business segments are Germany and Other. The ZEAL group now has more than one million active customers. ZEAL allows the participation in state-licensed lotteries via the LOTTO24 and Tipp24 brands and also offers its own lottery products. ZEAL operates under its owns brands namely ZEAL Instant Games, ZEAL Ventures and ZEAL Iberia.
87GF Score

Get the complete analysis for STU:TIM

3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€44.20
Price
€69.33
GF Value