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.
Banco debadell's 3-Year RORE % for the quarter that ended in Mar. 2026 was 12.21%.
The industry rank for Banco debadell's 3-Year RORE % or its related term are showing as below:
XMAD:SAB's 3-Year RORE % is ranked better than 54.48% of 1472
companies
in the Banks industry
Industry Median: 9.93
vs XMAD:SAB: 12.21
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.
Banco debadell 3-Year RORE % Related Terms
Banco debadell 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Banco debadell'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.
XMAD:SAB vs JPM, BAC, WFC: 3-Year RORE % Comparison
For the Banks - Diversified subindustry, Banco debadell'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.
Banco debadell 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Banco debadell's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Banco debadell'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.
Banco debadell (XMAD:SAB) has a 3-Year RORE % of 12.21 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 Banco debadell and its competitors. According to the industry distribution chart, Banco debadell ranks #670 out of 1472 companies in the Banks industry, placing it in the top 45.5%.
Is Banco debadell's 3-Year RORE % too high?
Banco debadell's current 3-Year RORE % is 12.21. The Banks industry median 3-Year RORE % is 9.93. Banco debadell's value of 12.21 is 23% above this industry median. Based on the distribution chart, Banco debadell ranks #670 out of 1472 companies in the Banks industry, which is above the industry midpoint. Overall, Banco debadell has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco debadell's 3-Year RORE % compare to JPM and BAC?
According to the Banks industry distribution chart, Banco debadell ranks #670 out of 1472 companies for 3-Year RORE %. This puts Banco debadell in the upper half of its industry. The industry median 3-Year RORE % is 9.93. Banco debadell's value of 12.21 is 23% 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 1,472 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. Banco debadell's current 3-Year RORE % of 12.21 is 23% 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 Banco debadell 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. Banco debadell's current 3-Year RORE % is 12.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco debadell stock overvalued right now?
Based on GuruFocus' analysis, Banco debadell (XMAD:SAB) is currently considered Significantly Overvalued. The stock's GF Value™ is €2.00, compared to a current price of €3.18 — trading 59.2% above its estimated fair value. The current 3-Year RORE % is 12.21 and 23% above the Banks industry median of 9.93. Banco debadell's overall GF Score™ is 49/100 with 7 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 Banco debadell (XMAD:SAB), the current 3-Year RORE % is 12.21 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 Banco debadell (XMAD:SAB) Overvalued in 2026?
Based on GuruFocus' analysis, Banco debadell stock appears to be overvalued.
The current stock price of €3.18 is trading 59.2% above its estimated GF Value™ of €2.00.
GuruFocus considers Banco debadell to be Significantly Overvalued.
Key valuation signals for XMAD:SAB:
3-Year RORE %: 12.21
GF Value™: €2.00 vs. price of €3.18 (59.2% above fair value)
Industry Position: 23% above the Banks median (#670 of 1472)
No single metric tells the full story. See the XMAD:SAB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco de Sabadell SA is a Spanish retail and commercial bank operating mostly in Spain but with a notable lending presence in the United Kingdom and the Americas. It emphasizes scaling its current customer base and laying the foundation for international expansion. Its business line is commercial banking, which focuses on providing financial products and services to large corporations, small to medium-sized enterprises, retailers and sole proprietors, professional groupings, entrepreneurs, and personal customers. Loans and advances constitute a majority of the bank's earning assets. Its credit risk is mostly exposed to mortgage loans, followed by sovereign debt.
49GF Score
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