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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.
Agriculture Development Bank's 3-Year RORE % for the quarter that ended in Apr. 2026 was 19.67%.
Agriculture Development Bank (XNEP:ADBL) 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.
Agriculture Development Bank 3-Year RORE % Related Terms
Agriculture Development Bank 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.
Agriculture Development Bank 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, Agriculture Development Bank'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.
Agriculture Development Bank 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Agriculture Development Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Agriculture Development Bank'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 Apr. 2026 and 3-year before.
Agriculture Development Bank (XNEP:ADBL) has a 3-Year RORE % of 19.67 as of Apr. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Agriculture Development Bank and its competitors. According to the industry distribution chart, Agriculture Development Bank ranks #462 out of 1463 companies in the Banks industry, placing it in the top 31.6%.
Is Agriculture Development Bank's 3-Year RORE % too high?
Agriculture Development Bank's current 3-Year RORE % is 19.67. The Banks industry median 3-Year RORE % is 11.15. Agriculture Development Bank's value of 19.67 is 76.4% above this industry median. Based on the distribution chart, Agriculture Development Bank ranks #462 out of 1463 companies in the Banks industry, which is above the industry midpoint. Overall, Agriculture Development Bank has a GF Score™ of 56/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Agriculture Development Bank's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Agriculture Development Bank ranks #462 out of 1463 companies for 3-Year RORE %. This puts Agriculture Development Bank in the upper half of its industry. The industry median 3-Year RORE % is 11.15. Agriculture Development Bank's value of 19.67 is 76.4% 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 11.15, based on 1,463 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. Agriculture Development Bank's current 3-Year RORE % of 19.67 is 76.4% 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 Agriculture Development Bank and its competitors. For the Banks industry, the median 3-Year RORE % is 11.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Agriculture Development Bank's current 3-Year RORE % is 19.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agriculture Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Agriculture Development Bank (XNEP:ADBL) is currently considered Significantly Undervalued. The stock's GF Value™ is NPR673.54, compared to a current price of NPR304.00 — trading 54.9% below its estimated fair value. The current 3-Year RORE % is 19.67 and 76.4% above the Banks industry median of 11.15. Agriculture Development Bank's overall GF Score™ is 56/100 with 2 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 Agriculture Development Bank (XNEP:ADBL), the current 3-Year RORE % is 19.67 as of Apr. 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 Agriculture Development Bank (XNEP:ADBL) Overvalued in 2026?
Based on GuruFocus' analysis, Agriculture Development Bank stock appears to be undervalued.
The current stock price of NPR304.00 is trading 54.9% below its estimated GF Value™ of NPR673.54.
GuruFocus considers Agriculture Development Bank to be Significantly Undervalued.
Key valuation signals for XNEP:ADBL:
3-Year RORE %: 19.67
GF Value™: NPR673.54 vs. price of NPR304.00 (54.9% below fair value)
Industry Position: 76.4% above the Banks median (#462 of 1463)
No single metric tells the full story. See the XNEP:ADBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Agriculture Development Bank Ltd is engaged in banking products and services. The company provides institutional credit for the agricultural sector in Nepal. It also offers fixed deposit accounts, savings accounts, Ba-Ama savings accounts, auto loans, education loans, residential loans, home loans and remittance services.
56GF Score
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