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.
Bancontander Argentina's 3-Year RORE % for the quarter that ended in Mar. 2026 was -49.38%.
The industry rank for Bancontander Argentina's 3-Year RORE % or its related term are showing as below:
XMAD:XBRSB's 3-Year RORE % is not ranked
in the Banks industry.
Industry Median: 9.93
vs XMAD:XBRSB: -49.38
Bancontander Argentina (XMAD:XBRSB) 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.
Bancontander Argentina 3-Year RORE % Related Terms
Bancontander Argentina 3-Year RORE % Historical Data
* 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:XBRSB vs USB, PNC, TFC: 3-Year RORE % Comparison
For the Banks - Regional subindustry, Bancontander Argentina'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.
Bancontander Argentina 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Bancontander Argentina's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Bancontander Argentina'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.
Bancontander Argentina (XMAD:XBRSB) has a 3-Year RORE % of -49.38 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 Bancontander Argentina and its competitors.
Is Bancontander Argentina's 3-Year RORE % too high?
Bancontander Argentina's current 3-Year RORE % is -49.38. Overall, Bancontander Argentina has a GF Score™ of 16/100, reflecting its overall financial health beyond just this single metric.
How does Bancontander Argentina's 3-Year RORE % compare to USB and PNC?
Bancontander Argentina's 3-Year RORE % of -49.38 can be compared against companies in the Banks industry. The industry median 3-Year RORE % is 9.93. 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. 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 Bancontander Argentina 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. Bancontander Argentina's current 3-Year RORE % is -49.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bancontander Argentina stock overvalued right now?
Bancontander Argentina (XMAD:XBRSB) has a current 3-Year RORE % of -49.38. The stock's GF Value™ is €0.26, compared to a current price of €0.25 — trading 4.6% below its estimated fair value. The current 3-Year RORE % is -49.38. Bancontander Argentina's overall GF Score™ is 16/100 with 4 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 Bancontander Argentina (XMAD:XBRSB), the current 3-Year RORE % is -49.38 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 Bancontander Argentina (XMAD:XBRSB) Overvalued in 2026?
Based on GuruFocus' analysis, Bancontander Argentina stock appears to be undervalued.
The current stock price of €0.25 is trading 4.6% below its estimated GF Value™ of €0.26.
Key valuation signals for XMAD:XBRSB:
3-Year RORE %: -49.38
GF Value™: €0.26 vs. price of €0.25 (4.6% below fair value)
No single metric tells the full story. See the XMAD:XBRSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Santander Argentina SA Formerly Banco Santander Rio SA is a commercial bank and financial services company. It provides various banking products and services to individual and business customers, and small and medium-sized enterprises. The company offers savings and various accounts; and cards, insurance, and private banking services. It also provides collection and payment, foreign trade, investment, cash management and mutual fund, and transactional services. In addition, the company offers financing, treasury, investment banking, custody, and international and online banking services.
16GF Score
Get the complete analysis for XMAD:XBRSB
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
XMAD:XBRSB has been successfully added to your 
