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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.
Republic Financial Hol's 3-Year RORE % for the quarter that ended in Mar. 2026 was 8.74%.
The industry rank for Republic Financial Hol's 3-Year RORE % or its related term are showing as below:
TRN:RFHL's 3-Year RORE % is ranked worse than 53.06% of 1470
companies
in the Banks industry
Industry Median: 9.95
vs TRN:RFHL: 8.74
Republic Financial Hol (TRN:RFHL) 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.
Republic Financial Hol 3-Year RORE % Related Terms
Republic Financial Hol 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 Banks - Regional subindustry, Republic Financial Hol'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.
Republic Financial Hol 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Republic Financial Hol's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Republic Financial Hol'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.
Republic Financial Hol (TRN:RFHL) has a 3-Year RORE % of 8.74 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 Republic Financial Hol and its competitors. According to the industry distribution chart, Republic Financial Hol ranks #780 out of 1470 companies in the Banks industry, placing it in the top 53.1%.
Is Republic Financial Hol's 3-Year RORE % too high?
Republic Financial Hol's current 3-Year RORE % is 8.74. The Banks industry median 3-Year RORE % is 9.95. Republic Financial Hol's value of 8.74 is 12.2% below this industry median. Based on the distribution chart, Republic Financial Hol ranks #780 out of 1470 companies in the Banks industry, which is below the industry midpoint. Overall, Republic Financial Hol has a GF Score™ of 87/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Republic Financial Hol's 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Republic Financial Hol ranks #780 out of 1470 companies for 3-Year RORE %. This places Republic Financial Hol in the lower half of its industry. The industry median 3-Year RORE % is 9.95. Republic Financial Hol's value of 8.74 is 12.2% below 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 9.95, based on 1,470 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. Republic Financial Hol's current 3-Year RORE % of 8.74 is 12.2% below 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 Republic Financial Hol and its competitors. For the Banks industry, the median 3-Year RORE % is 9.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Republic Financial Hol's current 3-Year RORE % is 8.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Republic Financial Hol stock overvalued right now?
Based on GuruFocus' analysis, Republic Financial Hol (TRN:RFHL) is currently considered Modestly Undervalued. The stock's GF Value™ is TTD128.50, compared to a current price of TTD109.35 — trading 14.9% below its estimated fair value. The current 3-Year RORE % is 8.74 and 12.2% below the Banks industry median of 9.95. Republic Financial Hol's overall GF Score™ is 87/100. 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 Republic Financial Hol (TRN:RFHL), the current 3-Year RORE % is 8.74 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 Republic Financial Hol (TRN:RFHL) Overvalued in 2026?
Based on GuruFocus' analysis, Republic Financial Hol stock appears to be undervalued.
The current stock price of TTD109.35 is trading 14.9% below its estimated GF Value™ of TTD128.50.
GuruFocus considers Republic Financial Hol to be Modestly Undervalued.
Key valuation signals for TRN:RFHL:
3-Year RORE %: 8.74
GF Value™: TTD128.50 vs. price of TTD109.35 (14.9% below fair value)
Industry Position: 12.2% below the Banks median (#780 of 1470)
No single metric tells the full story. See the TRN:RFHL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Republic Financial Hol Ltd is a financial services group comprising several subsidiaries and associated companies. The company is engaged in providing a wide range of banking, financial, and related services to retail and commercial banking customers, corporate clients, and governments. It operates in two segments: retail and commercial banking, which generates maximum revenue, and other financial services. The company operates in the following geographical segments: Trinidad & Tobago, Barbados, Suriname, Eastern Caribbean, Guyana, Ghana, Cayman Islands, and the British Virgin Islands. It derives key revenue from its operations in Trinidad & Tobago.
87GF Score
Get the complete analysis for TRN:RFHL
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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