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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.
SAB Finance AS's 3-Year RORE % for the quarter that ended in Dec. 2025 was 23.38%.
The industry rank for SAB Finance AS's 3-Year RORE % or its related term are showing as below:
XPRA:SABFG's 3-Year RORE % is ranked better than 58.25% of 764
companies
in the Capital Markets industry
Industry Median: 13.965
vs XPRA:SABFG: 23.38
SAB Finance AS (XPRA:SABFG) 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.
SAB Finance AS 3-Year RORE % Related Terms
SAB Finance AS 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for SAB Finance AS'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.
XPRA:SABFG vs MS, GS, SCHW: 3-Year RORE % Comparison
For the Capital Markets subindustry, SAB Finance AS'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.
SAB Finance AS 3-Year RORE % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, SAB Finance AS's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where SAB Finance AS'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 Dec. 2025 and 3-year before.
SAB Finance AS (XPRA:SABFG) has a 3-Year RORE % of 23.38 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on SAB Finance AS and its competitors. According to the industry distribution chart, SAB Finance AS ranks #319 out of 764 companies in the Capital Markets industry, placing it in the top 41.8%.
Is SAB Finance AS's 3-Year RORE % too high?
SAB Finance AS's current 3-Year RORE % is 23.38. The Capital Markets industry median 3-Year RORE % is 13.97. SAB Finance AS's value of 23.38 is 67.4% above this industry median. Based on the distribution chart, SAB Finance AS ranks #319 out of 764 companies in the Capital Markets industry, which is above the industry midpoint. Overall, SAB Finance AS has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SAB Finance AS's 3-Year RORE % compare to MS and GS?
According to the Capital Markets industry distribution chart, SAB Finance AS ranks #319 out of 764 companies for 3-Year RORE %. This puts SAB Finance AS in the upper half of its industry. The industry median 3-Year RORE % is 13.97. SAB Finance AS's value of 23.38 is 67.4% 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 Capital Markets company?
The median 3-Year RORE % among Capital Markets companies is 13.97, based on 764 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. SAB Finance AS's current 3-Year RORE % of 23.38 is 67.4% 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 SAB Finance AS and its competitors. For the Capital Markets industry, the median 3-Year RORE % is 13.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SAB Finance AS's current 3-Year RORE % is 23.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SAB Finance AS stock overvalued right now?
Based on GuruFocus' analysis, SAB Finance AS (XPRA:SABFG) is currently considered Fairly Valued. The stock's GF Value™ is Kč997.24, compared to a current price of Kč1,060.00 — trading 6.3% above its estimated fair value. The current 3-Year RORE % is 23.38 and 67.4% above the Capital Markets industry median of 13.97. SAB Finance AS's overall GF Score™ is 69/100 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 SAB Finance AS (XPRA:SABFG), the current 3-Year RORE % is 23.38 as of Dec. 2025. 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 SAB Finance AS (XPRA:SABFG) Overvalued in 2026?
Based on GuruFocus' analysis, SAB Finance AS stock appears to be overvalued.
The current stock price of Kč1,060.00 is trading 6.3% above its estimated GF Value™ of Kč997.24.
GuruFocus considers SAB Finance AS to be Fairly Valued.
Key valuation signals for XPRA:SABFG:
3-Year RORE %: 23.38
GF Value™: Kč997.24 vs. price of Kč1,060.00 (6.3% above fair value)
Industry Position: 67.4% above the Capital Markets median (#319 of 764)
No single metric tells the full story. See the XPRA:SABFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SAB Finance AS is engaged in providing International Payment Solutions considering the foreign exchange fluctuations. Its platform allows to make outgoing payments and receive incoming payments. Some of the services offered by the company include Market Watch, Foreign Currency Analysis, Regular Payments, and Multi-Payments.
69GF Score
Get the complete analysis for XPRA:SABFG
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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