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.
Republic Bank (Ghana)'s 3-Year RORE % for the quarter that ended in Dec. 2025 was 22.01%.
The industry rank for Republic Bank (Ghana)'s 3-Year RORE % or its related term are showing as below:
XGHA:RBGH's 3-Year RORE % is ranked better than 73.15% of 1471
companies
in the Banks industry
Industry Median: 9.93
vs XGHA:RBGH: 22.01
Republic Bank (Ghana) (XGHA:RBGH) 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 Bank (Ghana) 3-Year RORE % Related Terms
Republic Bank (Ghana) 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Republic Bank (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, Republic Bank (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.
Republic Bank (Ghana) 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Republic Bank (Ghana)'s 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Republic Bank (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 Dec. 2025 and 3-year before.
Republic Bank (Ghana) (XGHA:RBGH) has a 3-Year RORE % of 22.01 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 Republic Bank (Ghana) and its competitors. According to the industry distribution chart, Republic Bank (Ghana) ranks #395 out of 1471 companies in the Banks industry, placing it in the top 26.9%.
Is Republic Bank (Ghana)'s 3-Year RORE % too high?
Republic Bank (Ghana)'s current 3-Year RORE % is 22.01. The Banks industry median 3-Year RORE % is 9.93. Republic Bank (Ghana)'s value of 22.01 is 121.7% above this industry median. Based on the distribution chart, Republic Bank (Ghana) ranks #395 out of 1471 companies in the Banks industry, which is above the industry midpoint. Overall, Republic Bank (Ghana) has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Republic Bank (Ghana)'s 3-Year RORE % compare to PNC?
According to the Banks industry distribution chart, Republic Bank (Ghana) ranks #395 out of 1471 companies for 3-Year RORE %. This puts Republic Bank (Ghana) in the upper half of its industry. The industry median 3-Year RORE % is 9.93. Republic Bank (Ghana)'s value of 22.01 is 121.7% 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. Republic Bank (Ghana)'s current 3-Year RORE % of 22.01 is 121.7% 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 Republic Bank (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. Republic Bank (Ghana)'s current 3-Year RORE % is 22.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Republic Bank (Ghana) stock overvalued right now?
Based on GuruFocus' analysis, Republic Bank (Ghana) (XGHA:RBGH) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS1.08, compared to a current price of GHS4.32 — trading 300% above its estimated fair value. The current 3-Year RORE % is 22.01 and 121.7% above the Banks industry median of 9.93. Republic Bank (Ghana)'s overall GF Score™ is 50/100 with 1 warning sign 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 Republic Bank (Ghana) (XGHA:RBGH), the current 3-Year RORE % is 22.01 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 Republic Bank (Ghana) (XGHA:RBGH) Overvalued in 2026?
Based on GuruFocus' analysis, Republic Bank (Ghana) stock appears to be overvalued.
The current stock price of GHS4.32 is trading 300% above its estimated GF Value™ of GHS1.08.
GuruFocus considers Republic Bank (Ghana) to be Significantly Overvalued.
Key valuation signals for XGHA:RBGH:
3-Year RORE %: 22.01
GF Value™: GHS1.08 vs. price of GHS4.32 (300% above fair value)
Industry Position: 121.7% above the Banks median (#395 of 1471)
No single metric tells the full story. See the XGHA:RBGH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Republic Bank (Ghana) PLC is engaged in investment banking, corporate banking, retail banking, mortgage banking, asset management services, and property management and development. The Group operates through four reporting segments: retail banking, which incorporates private banking services, private customer current accounts, savings, deposits, investment savings products, custody, credit, and consumer loans; mortgage banking, which incorporates mortgage services; corporate banking, which generates maximum revenue and incorporates direct debit facilities, current accounts, deposits, overdrafts, loans, and foreign currency; and microfinance banking, which incorporates savings accounts, deposits, loans, and other credit facilities.
50GF Score
Get the complete analysis for XGHA:RBGH
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
XGHA:RBGH has been successfully added to your 
