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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.
Sterling Investments's 3-Year RORE % for the quarter that ended in Mar. 2026 was 7.75%.
The industry rank for Sterling Investments's 3-Year RORE % or its related term are showing as below:
XJAM:SIL's 3-Year RORE % is ranked worse than 57.01% of 763
companies
in the Capital Markets industry
Industry Median: 14.85
vs XJAM:SIL: 7.75
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.
Sterling Investments 3-Year RORE % Related Terms
Sterling Investments 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Sterling Investments'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.
XJAM:SIL vs MS, GS, SCHW: 3-Year RORE % Comparison
For the Capital Markets subindustry, Sterling Investments'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.
Sterling Investments 3-Year RORE % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Sterling Investments's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Sterling Investments'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.
Sterling Investments (XJAM:SIL) has a 3-Year RORE % of 7.75 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 Sterling Investments and its competitors. According to the industry distribution chart, Sterling Investments ranks #435 out of 763 companies in the Capital Markets industry, placing it in the top 57%.
Is Sterling Investments' 3-Year RORE % too high?
Sterling Investments' current 3-Year RORE % is 7.75. The Capital Markets industry median 3-Year RORE % is 14.85. Sterling Investments' value of 7.75 is 47.8% below this industry median. Based on the distribution chart, Sterling Investments ranks #435 out of 763 companies in the Capital Markets industry, which is below the industry midpoint. Overall, Sterling Investments has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sterling Investments' 3-Year RORE % compare to MS and GS?
According to the Capital Markets industry distribution chart, Sterling Investments ranks #435 out of 763 companies for 3-Year RORE %. This places Sterling Investments in the lower half of its industry. The industry median 3-Year RORE % is 14.85. Sterling Investments' value of 7.75 is 47.8% 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 Capital Markets company?
The median 3-Year RORE % among Capital Markets companies is 14.85, based on 763 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. Sterling Investments's current 3-Year RORE % of 7.75 is 47.8% 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 Sterling Investments and its competitors. For the Capital Markets industry, the median 3-Year RORE % is 14.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sterling Investments's current 3-Year RORE % is 7.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sterling Investments stock overvalued right now?
Based on GuruFocus' analysis, Sterling Investments (XJAM:SIL) is currently considered Modestly Overvalued. The stock's GF Value™ is JMD2.59, compared to a current price of JMD3.11 — trading 20.1% above its estimated fair value. The current 3-Year RORE % is 7.75 and 47.8% below the Capital Markets industry median of 14.85. Sterling Investments' overall GF Score™ is 67/100 with 6 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 Sterling Investments (XJAM:SIL), the current 3-Year RORE % is 7.75 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 Sterling Investments (XJAM:SIL) Overvalued in 2026?
Based on GuruFocus' analysis, Sterling Investments stock appears to be overvalued.
The current stock price of JMD3.11 is trading 20.1% above its estimated GF Value™ of JMD2.59.
GuruFocus considers Sterling Investments to be Modestly Overvalued.
Key valuation signals for XJAM:SIL:
3-Year RORE %: 7.75
GF Value™: JMD2.59 vs. price of JMD3.11 (20.1% above fair value)
Industry Position: 47.8% below the Capital Markets median (#435 of 763)
No single metric tells the full story. See the XJAM:SIL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sterling Investments Ltd is an investment holding company. It invests in an array of high-quality fixed-income securities denominated in United States dollars. It generates income through interest income earned on the securities in the portfolio and through capital gains as a result of an increase in the price of the securities. The company focused on generating higher risk-adjusted returns through the active purchase and sale of financial instruments in the international capital markets. The company invests mainly in hard currencies and in developed markets to provide local and regional institutional and retail investors with sustainable growth and diversification.
67GF Score
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