Standard Chartered Bank Ghana (XGHA:SCB) 3-Year RORE % : 5.75% (As of Mar. 2026)


XGHA:SCB Standard Chartered Bank Ghana PLC XGHA:SCB
73 GF Score
Price GHS71.00
GF Value GHS34.82
Valuation Significantly Overvalued
! 1 Warning Sign
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What is Standard Chartered Bank Ghana 3-Year RORE %?

Standard Chartered Bank Ghana XGHA:SCB 73 3-Year RORE % is 5.75 as of Mar. 2026. GuruFocus rates XGHA:SCB with a GF Score™ of 73/100 and a GF Value™ of GHS34.82 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,473 Banks companies, Standard Chartered Bank Ghana ranks worse than 60.62% 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. Standard Chartered Bank Ghana's 3-Year RORE % for the quarter that ended in Mar. 2026 was 5.75%.

The industry rank for Standard Chartered Bank Ghana's 3-Year RORE % or its related term are showing as below:

XGHA:SCB's 3-Year RORE % is ranked worse than
60.62% of 1473 companies
in the Banks industry
Industry Median: 9.87 vs XGHA:SCB: 5.75

Standard Chartered Bank Ghana  (XGHA:SCB) 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.


Standard Chartered Bank Ghana 3-Year RORE % Related Terms


Standard Chartered Bank Ghana 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for Standard Chartered 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.

Standard Chartered Bank Ghana 3-Year RORE % Chart

Standard Chartered Bank Ghana Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 25.43 956.72 81.61 172.28 -0.94

Standard Chartered Bank Ghana Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 154.90 83.35 69.31 -0.94 5.75

XGHA:SCB vs PNC: 3-Year RORE % Comparison

For the Banks - Regional subindustry, Standard Chartered 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.


Standard Chartered Bank Ghana 3-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, Standard Chartered Bank Ghana's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where Standard Chartered Bank Ghana's 3-Year RORE % falls into.


XGHA:SCB
73GF Score
Standard Chartered Bank Ghana PLC XGHA:SCB
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Standard Chartered Bank Ghana 3-Year RORE % Calculation

Standard Chartered Bank Ghana's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 5.95-5.27 )/( 16.44-4.615 )
=0.68/11.825
=5.75 %

* 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.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 5.75 mean?
Standard Chartered Bank Ghana (XGHA:SCB) has a 3-Year RORE % of 5.75 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 Standard Chartered Bank Ghana and its competitors. According to the industry distribution chart, Standard Chartered Bank Ghana ranks #893 out of 1473 companies in the Banks industry, placing it in the top 60.6%.
Is Standard Chartered Bank Ghana's 3-Year RORE % too high?
Standard Chartered Bank Ghana's current 3-Year RORE % is 5.75. The Banks industry median 3-Year RORE % is 9.87. Standard Chartered Bank Ghana's value of 5.75 is 41.7% below this industry median. Based on the distribution chart, Standard Chartered Bank Ghana ranks #893 out of 1473 companies in the Banks industry, which is below the industry midpoint. Overall, Standard Chartered Bank Ghana has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Chartered Bank Ghana's 3-Year RORE % compare to PNC?
According to the Banks industry distribution chart, Standard Chartered Bank Ghana ranks #893 out of 1473 companies for 3-Year RORE %. This places Standard Chartered Bank Ghana in the lower half of its industry. The industry median 3-Year RORE % is 9.87. Standard Chartered Bank Ghana's value of 5.75 is 41.7% 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 9.87, based on 1,473 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. Standard Chartered Bank Ghana's current 3-Year RORE % of 5.75 is 41.7% 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 Standard Chartered Bank Ghana and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Chartered Bank Ghana's current 3-Year RORE % is 5.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Chartered Bank Ghana stock overvalued right now?
Based on GuruFocus' analysis, Standard Chartered Bank Ghana (XGHA:SCB) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS34.82, compared to a current price of GHS71.00 — trading 103.9% above its estimated fair value. The current 3-Year RORE % is 5.75 and 41.7% below the Banks industry median of 9.87. Standard Chartered Bank Ghana's overall GF Score™ is 73/100 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 Standard Chartered Bank Ghana (XGHA:SCB), the current 3-Year RORE % is 5.75 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 Standard Chartered Bank Ghana (XGHA:SCB) Overvalued in 2026?

Based on GuruFocus' analysis, Standard Chartered Bank Ghana stock appears to be overvalued. The current stock price of GHS71.00 is trading 103.9% above its estimated GF Value™ of GHS34.82. GuruFocus considers Standard Chartered Bank Ghana to be Significantly Overvalued.

Key valuation signals for XGHA:SCB:

  • 3-Year RORE %: 5.75
  • GF Value™: GHS34.82 vs. price of GHS71.00 (103.9% above fair value)
  • GF Score™: 73/100 with 1 warning sign
  • Industry Position: 41.7% below the Banks median (#893 of 1473)

No single metric tells the full story. See the XGHA:SCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Standard Chartered Bank Ghana Business Description

Address 87 Independence Avenue, P.O. Box 768, Standard Chartered Bank Building, Accra, GHA
Standard Chartered Bank Ghana PLC is a banking corporation registered in Ghana. It provides various banking services including personal banking, private banking, and business banking. The company manages its business into three segments namely, Corporate & Investment Banking, Wealth & Retail Banking, Ventures and Central & Other Items. The company's services include savings, loans, mortgages, credit cards, insurance, and investment opportunities for individual customers. It focuses on offering financial solutions to small-medium enterprises, corporates, and financial institutions. Geographically, it operates in Hong Kong, Korea, China, Singapore, UK, and U.S.
73GF Score

Get the complete analysis for XGHA:SCB

3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

GHS71.00
Price
GHS34.82
GF Value