NPL NovaWAR:PRI 55 3-Year RORE % is 49.67 as of Mar. 2026. GuruFocus rates WAR:PRI with a GF Score™ of 55/100 and a GF Value™ of zł7.74 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 518 Credit Services companies, NPL Nova ranks better than 83.78% 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.
NPL Nova's 3-Year RORE % for the quarter that ended in Mar. 2026 was 49.67%.
The industry rank for NPL Nova's 3-Year RORE % or its related term are showing as below:
WAR:PRI's 3-Year RORE % is ranked better than 83.78% of 518
companies
in the Credit Services industry
Industry Median: 8.3
vs WAR:PRI: 49.67
NPL Nova (WAR:PRI) 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.
NPL Nova 3-Year RORE % Related Terms
NPL Nova 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for NPL Nova'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 Credit Services subindustry, NPL Nova'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.
NPL Nova 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, NPL Nova's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where NPL Nova'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.
NPL Nova (WAR:PRI) has a 3-Year RORE % of 49.67 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 NPL Nova and its competitors. According to the industry distribution chart, NPL Nova ranks #84 out of 518 companies in the Credit Services industry, placing it in the top 16.2%.
Is NPL Nova's 3-Year RORE % too high?
NPL Nova's current 3-Year RORE % is 49.67. The Credit Services industry median 3-Year RORE % is 8.30. NPL Nova's value of 49.67 is 498.4% above this industry median. Based on the distribution chart, NPL Nova ranks #84 out of 518 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, NPL Nova has a GF Score™ of 55/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does NPL Nova's 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, NPL Nova ranks #84 out of 518 companies for 3-Year RORE %. This places NPL Nova in the top 16% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 8.30. NPL Nova's value of 49.67 is 498.4% 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 Credit Services company?
The median 3-Year RORE % among Credit Services companies is 8.30, based on 518 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. NPL Nova's current 3-Year RORE % of 49.67 is 498.4% 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 NPL Nova and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NPL Nova's current 3-Year RORE % is 49.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NPL Nova stock overvalued right now?
Based on GuruFocus' analysis, NPL Nova (WAR:PRI) is currently considered Possible Value Trap. The stock's GF Value™ is zł7.74, compared to a current price of zł3.30 — trading 57.4% below its estimated fair value. The current 3-Year RORE % is 49.67 and 498.4% above the Credit Services industry median of 8.30. NPL Nova's overall GF Score™ is 55/100 with 5 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 NPL Nova (WAR:PRI), the current 3-Year RORE % is 49.67 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 NPL Nova (WAR:PRI) Overvalued in 2026?
Based on GuruFocus' analysis, NPL Nova stock appears to be undervalued.
The current stock price of zł3.30 is trading 57.4% below its estimated GF Value™ of zł7.74.
GuruFocus considers NPL Nova to be Possible Value Trap.
Key valuation signals for WAR:PRI:
3-Year RORE %: 49.67
GF Value™: zł7.74 vs. price of zł3.30 (57.4% below fair value)
Industry Position: 498.4% above the Credit Services median (#84 of 518)
No single metric tells the full story. See the WAR:PRI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NPL Nova SA is a Poland based company engaged in the debt collection services. It specializes in recovering the amounts due to economic turnover and providing debt management services.
55GF Score
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