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.
Ascory Bank AG's 3-Year RORE % for the quarter that ended in Dec. 2025 was 0.00%.
The industry rank for Ascory Bank AG's 3-Year RORE % or its related term are showing as below:
STU:VG80's 3-Year RORE % is not ranked *
in the Banks industry.
Industry Median: 9.92 * Ranked among companies with meaningful 3-Year RORE % only.
Ascory Bank AG (STU:VG80) 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.
Ascory Bank AG 3-Year RORE % Related Terms
Ascory Bank AG 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Ascory Bank AG'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, Ascory Bank AG'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.
Ascory Bank AG 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Ascory Bank AG's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Ascory Bank AG'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 Dec. 2025 and 3-year before.
Ascory Bank AG (STU:VG80) has a 3-Year RORE % of 0.00 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Ascory Bank AG and its competitors. According to the industry distribution chart, Ascory Bank AG ranks #999999 out of 1475 companies in the Banks industry.
Is Ascory Bank AG's 3-Year RORE % too high?
Ascory Bank AG's current 3-Year RORE % is 0.00. Based on the distribution chart, Ascory Bank AG ranks #999999 out of 1475 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Ascory Bank AG has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does Ascory Bank AG's 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Ascory Bank AG ranks #999999 out of 1475 companies for 3-Year RORE %. This places Ascory Bank AG in the lower half of its industry. The industry median 3-Year RORE % is 9.92. 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. 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 Ascory Bank AG 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. Ascory Bank AG's current 3-Year RORE % is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ascory Bank AG stock overvalued right now?
Ascory Bank AG (STU:VG80) has a current 3-Year RORE % of 0.00. The stock's GF Value™ is €1.86, compared to a current price of €2.74 — trading 47.3% above its estimated fair value. The current 3-Year RORE % is 0.00. Ascory Bank AG's overall GF Score™ is 55/100 with 4 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 Ascory Bank AG (STU:VG80), the current 3-Year RORE % is 0.00 as of Dec. 2025. 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 Ascory Bank AG (STU:VG80) Overvalued in 2026?
Based on GuruFocus' analysis, Ascory Bank AG stock appears to be overvalued.
The current stock price of €2.74 is trading 47.3% above its estimated GF Value™ of €1.86.
Key valuation signals for STU:VG80:
3-Year RORE %: 0.00
GF Value™: €1.86 vs. price of €2.74 (47.3% above fair value)
No single metric tells the full story. See the STU:VG80 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ascory Bank AG is a German credit institution. Its business model is focused as a specialist bank for structured financing in the corporate client sector targets start-up and scale-up clients in the fintech (including leasing and factoring institutions), energy transition, and leveraged finance sectors, and is based on a diversified funding plan.
55GF Score
Get the complete analysis for STU:VG80
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:VG80 has been successfully added to your 
