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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.
Ecobank Ghana's 3-Year RORE % for the quarter that ended in Mar. 2026 was 24.88%.
The industry rank for Ecobank Ghana's 3-Year RORE % or its related term are showing as below:
XGHA:EGH's 3-Year RORE % is ranked better than 77.02% of 1471
companies
in the Banks industry
Industry Median: 9.93
vs XGHA:EGH: 24.88
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.
Ecobank Ghana 3-Year RORE % Related Terms
Ecobank Ghana 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Ecobank Ghana'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, Ecobank Ghana'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.
Ecobank Ghana 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Ecobank Ghana's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Ecobank Ghana'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.
Ecobank Ghana (XGHA:EGH) has a 3-Year RORE % of 24.88 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 Ecobank Ghana and its competitors. According to the industry distribution chart, Ecobank Ghana ranks #338 out of 1471 companies in the Banks industry, placing it in the top 23%.
Is Ecobank Ghana's 3-Year RORE % too high?
Ecobank Ghana's current 3-Year RORE % is 24.88. The Banks industry median 3-Year RORE % is 9.93. Ecobank Ghana's value of 24.88 is 150.6% above this industry median. Based on the distribution chart, Ecobank Ghana ranks #338 out of 1471 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Ecobank Ghana has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ecobank Ghana's 3-Year RORE % compare to PNC?
According to the Banks industry distribution chart, Ecobank Ghana ranks #338 out of 1471 companies for 3-Year RORE %. This places Ecobank Ghana in the top 23% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.93. Ecobank Ghana's value of 24.88 is 150.6% 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 9.93, 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. Ecobank Ghana's current 3-Year RORE % of 24.88 is 150.6% 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 Ecobank Ghana and its competitors. For the Banks industry, the median 3-Year RORE % is 9.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ecobank Ghana's current 3-Year RORE % is 24.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ecobank Ghana stock overvalued right now?
Based on GuruFocus' analysis, Ecobank Ghana (XGHA:EGH) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS10.08, compared to a current price of GHS38.49 — trading 281.8% above its estimated fair value. The current 3-Year RORE % is 24.88 and 150.6% above the Banks industry median of 9.93. Ecobank Ghana's overall GF Score™ is 69/100 with 2 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 Ecobank Ghana (XGHA:EGH), the current 3-Year RORE % is 24.88 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 Ecobank Ghana (XGHA:EGH) Overvalued in 2026?
Based on GuruFocus' analysis, Ecobank Ghana stock appears to be overvalued.
The current stock price of GHS38.49 is trading 281.8% above its estimated GF Value™ of GHS10.08.
GuruFocus considers Ecobank Ghana to be Significantly Overvalued.
Key valuation signals for XGHA:EGH:
3-Year RORE %: 24.88
GF Value™: GHS10.08 vs. price of GHS38.49 (281.8% above fair value)
Industry Position: 150.6% above the Banks median (#338 of 1471)
No single metric tells the full story. See the XGHA:EGH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ecobank Ghana Ltd is a commercial banking corporation based in Ghana. Its service offering includes retail, corporate, and investment banking products. The bank functions through three operating segments namely Consumer banking focused on individuals who are grouped into a premier, advantage (personal banking), and classic & youth banking (direct banking); Commercial Banking focused on Business Banking and Medium Local Corporates such as SMEs, Medium Local corporates and Non-government public sector (schools, faith, NGOs & professional bodies); and Corporate banking specializes in serving the public sector, multinational institutions, financial institutions/international organizations and the Regional Corporate segment of the market.
69GF Score
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