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.
mBank's 3-Year RORE % for the quarter that ended in Mar. 2026 was 55.08%.
The industry rank for mBank's 3-Year RORE % or its related term are showing as below:
WAR:MBK's 3-Year RORE % is ranked better than 91.46% of 1475
companies
in the Banks industry
Industry Median: 9.92
vs WAR:MBK: 55.08
mBank (WAR:MBK) 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.
mBank 3-Year RORE % Related Terms
mBank 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for mBank'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, mBank'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.
mBank 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, mBank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where mBank'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.
mBank (WAR:MBK) has a 3-Year RORE % of 55.08 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 mBank and its competitors. According to the industry distribution chart, mBank ranks #126 out of 1475 companies in the Banks industry, placing it in the top 8.5%.
Is mBank's 3-Year RORE % too high?
mBank's current 3-Year RORE % is 55.08. The Banks industry median 3-Year RORE % is 9.92. mBank's value of 55.08 is 455.2% above this industry median. Based on the distribution chart, mBank ranks #126 out of 1475 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, mBank has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does mBank's 3-Year RORE % compare to PNC?
According to the Banks industry distribution chart, mBank ranks #126 out of 1475 companies for 3-Year RORE %. This places mBank in the top 9% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.92. mBank's value of 55.08 is 455.2% 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. mBank's current 3-Year RORE % of 55.08 is 455.2% 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 mBank 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. mBank's current 3-Year RORE % is 55.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is mBank stock overvalued right now?
Based on GuruFocus' analysis, mBank (WAR:MBK) is currently considered Significantly Overvalued. The stock's GF Value™ is zł730.92, compared to a current price of zł1,430.00 — trading 95.6% above its estimated fair value. The current 3-Year RORE % is 55.08 and 455.2% above the Banks industry median of 9.92. mBank'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 mBank (WAR:MBK), the current 3-Year RORE % is 55.08 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 mBank (WAR:MBK) Overvalued in 2026?
Based on GuruFocus' analysis, mBank stock appears to be overvalued.
The current stock price of zł1,430.00 is trading 95.6% above its estimated GF Value™ of zł730.92.
GuruFocus considers mBank to be Significantly Overvalued.
Key valuation signals for WAR:MBK:
3-Year RORE %: 55.08
GF Value™: zł730.92 vs. price of zł1,430.00 (95.6% above fair value)
Industry Position: 455.2% above the Banks median (#126 of 1475)
No single metric tells the full story. See the WAR:MBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
mBank SA is a financial services group operating in Poland, as well as the Czech Republic and Slovakia. Its primary business is retail, corporate, and investment banking, but the company also conducts leasing, factoring, and wealth management operations, among other financial services. The group offers insurance policies through a strategic partnership. The bank plans to emphasize customer service, particularly in the development of its banking solutions. The group conducts its business segments in The Retail Banking segment, The Corporate and Investment Banking segment, The Treasury and Other segments, and the FX Mortgage Loans segment and the majority of its revenue is generated from the retail banking segment.
67GF Score
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