Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
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.
BPER Banca SpA's 3-Year RORE % for the quarter that ended in Dec. 2025 was 2.41%.
The industry rank for BPER Banca SpA's 3-Year RORE % or its related term are showing as below:
WBO:BPE's 3-Year RORE % is ranked worse than 68.32% of 1471
companies
in the Banks industry
Industry Median: 9.89
vs WBO:BPE: 2.41
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.
BPER Banca SpA 3-Year RORE % Related Terms
BPER Banca SpA 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for BPER Banca SpA'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, BPER Banca SpA'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.
BPER Banca SpA 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, BPER Banca SpA's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where BPER Banca SpA'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.
BPER Banca SpA (WBO:BPE) has a 3-Year RORE % of 2.41 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 BPER Banca SpA and its competitors. According to the industry distribution chart, BPER Banca SpA ranks #1005 out of 1471 companies in the Banks industry, placing it in the top 68.3%.
Is BPER Banca SpA's 3-Year RORE % too high?
BPER Banca SpA's current 3-Year RORE % is 2.41. The Banks industry median 3-Year RORE % is 9.89. BPER Banca SpA's value of 2.41 is 75.6% below this industry median. Based on the distribution chart, BPER Banca SpA ranks #1005 out of 1471 companies in the Banks industry, which is below the industry midpoint. Overall, BPER Banca SpA has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BPER Banca SpA's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, BPER Banca SpA ranks #1005 out of 1471 companies for 3-Year RORE %. This places BPER Banca SpA in the lower half of its industry. The industry median 3-Year RORE % is 9.89. BPER Banca SpA's value of 2.41 is 75.6% 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 9.89, based on 1,471 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. BPER Banca SpA's current 3-Year RORE % of 2.41 is 75.6% 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 BPER Banca SpA and its competitors. For the Banks industry, the median 3-Year RORE % is 9.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BPER Banca SpA's current 3-Year RORE % is 2.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BPER Banca SpA stock overvalued right now?
Based on GuruFocus' analysis, BPER Banca SpA (WBO:BPE) is currently considered Significantly Overvalued. The stock's GF Value™ is €5.00, compared to a current price of €13.62 — trading 172.4% above its estimated fair value. The current 3-Year RORE % is 2.41 and 75.6% below the Banks industry median of 9.89. BPER Banca SpA's overall GF Score™ is 55/100 with 8 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 BPER Banca SpA (WBO:BPE), the current 3-Year RORE % is 2.41 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 BPER Banca SpA (WBO:BPE) Overvalued in 2026?
Based on GuruFocus' analysis, BPER Banca SpA stock appears to be overvalued.
The current stock price of €13.62 is trading 172.4% above its estimated GF Value™ of €5.00.
GuruFocus considers BPER Banca SpA to be Significantly Overvalued.
Key valuation signals for WBO:BPE:
3-Year RORE %: 2.41
GF Value™: €5.00 vs. price of €13.62 (172.4% above fair value)
Industry Position: 75.6% below the Banks median (#1005 of 1471)
No single metric tells the full story. See the WBO:BPE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BPER Banca SpA is a banking group consisting of four Italian regional commercial banks that merged on the initiative of BPER Banca. The banks are involved in a number of market segments, including retail banking, corporate and investment banking, and wealth management and insurance. In addition to the banks, the Group includes product companies, including asset management, personal loans, leasing, and factoring operations, and special purpose vehicles. Its strategy emphasizes customer service and cooperative banking. BPER group's customer base overwhelming derives from retail banking, mostly from individuals with some business deposits. Its loan base, however, is principally the group's corporate customers.
55GF Score
Get the complete analysis for WBO:BPE
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
WBO:BPE has been successfully added to your 
