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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.
Hong Leong Bank Bhd's 3-Year RORE % for the quarter that ended in Mar. 2026 was 4.14%.
The industry rank for Hong Leong Bank Bhd's 3-Year RORE % or its related term are showing as below:
XKLS:5819's 3-Year RORE % is ranked worse than 65.13% of 1471
companies
in the Banks industry
Industry Median: 9.89
vs XKLS:5819: 4.14
Hong Leong Bank Bhd (XKLS:5819) 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.
Hong Leong Bank Bhd 3-Year RORE % Related Terms
Hong Leong Bank Bhd 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Hong Leong Bank Bhd'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.
Hong Leong Bank Bhd 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, Hong Leong Bank Bhd'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.
Hong Leong Bank Bhd 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Hong Leong Bank Bhd's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Hong Leong Bank Bhd'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.
Hong Leong Bank Bhd (XKLS:5819) has a 3-Year RORE % of 4.14 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 Hong Leong Bank Bhd and its competitors. According to the industry distribution chart, Hong Leong Bank Bhd ranks #958 out of 1471 companies in the Banks industry, placing it in the top 65.1%.
Is Hong Leong Bank Bhd's 3-Year RORE % too high?
Hong Leong Bank Bhd's current 3-Year RORE % is 4.14. The Banks industry median 3-Year RORE % is 9.89. Hong Leong Bank Bhd's value of 4.14 is 58.1% below this industry median. Based on the distribution chart, Hong Leong Bank Bhd ranks #958 out of 1471 companies in the Banks industry, which is below the industry midpoint. Overall, Hong Leong Bank Bhd has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Hong Leong Bank Bhd's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Hong Leong Bank Bhd ranks #958 out of 1471 companies for 3-Year RORE %. This places Hong Leong Bank Bhd in the lower half of its industry. The industry median 3-Year RORE % is 9.89. Hong Leong Bank Bhd's value of 4.14 is 58.1% 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. Hong Leong Bank Bhd's current 3-Year RORE % of 4.14 is 58.1% 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 Hong Leong Bank Bhd 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. Hong Leong Bank Bhd's current 3-Year RORE % is 4.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hong Leong Bank Bhd stock overvalued right now?
Based on GuruFocus' analysis, Hong Leong Bank Bhd (XKLS:5819) is currently considered Fairly Valued. The stock's GF Value™ is RM23.30, compared to a current price of RM22.44 — trading 3.7% below its estimated fair value. The current 3-Year RORE % is 4.14 and 58.1% below the Banks industry median of 9.89. Hong Leong Bank Bhd's overall GF Score™ is 76/100 with 3 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 Hong Leong Bank Bhd (XKLS:5819), the current 3-Year RORE % is 4.14 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 Hong Leong Bank Bhd (XKLS:5819) Overvalued in 2026?
Based on GuruFocus' analysis, Hong Leong Bank Bhd stock appears to be undervalued.
The current stock price of RM22.44 is trading 3.7% below its estimated GF Value™ of RM23.30.
GuruFocus considers Hong Leong Bank Bhd to be Fairly Valued.
Key valuation signals for XKLS:5819:
3-Year RORE %: 4.14
GF Value™: RM23.30 vs. price of RM22.44 (3.7% below fair value)
Industry Position: 58.1% below the Banks median (#958 of 1471)
No single metric tells the full story. See the XKLS:5819 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hong Leong Bank Bhd is a regional financial services company. Its segments include Personal Financial Services, Business & Corporate Banking, Global Markets, Overseas/International Operations, and Other operations. Personal Financial Services segment focuses mainly on servicing individual customers and small businesses. Business & Corporate Banking focuses on corporate and small and medium enterprises. Global Markets refers to its domestic treasury and capital market operations and includes foreign exchange, money market operations as well as capital market securities trading and investments. Overseas/International Operations include the bank's overseas branches, subsidiaries, and associates. Other operations segment includes head office and other business segment.
76GF Score
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