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.
Union Internationale de Banques's 3-Year RORE % for the quarter that ended in Dec. 2025 was -15.03%.
XTUN:UIB's 3-Year RORE % is ranked worse than 85.38% of 1471
companies
in the Banks industry
Industry Median: 9.89
vs XTUN:UIB: -15.03
Union Internationale de Banques (XTUN:UIB) 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.
Union Internationale de Banques 3-Year RORE % Related Terms
Union Internationale de Banques 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.
Union Internationale de Banques 3-Year RORE % Chart
For the Banks - Regional subindustry, Union Internationale de Banques'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.
Union Internationale de Banques 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Union Internationale de Banques's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Union Internationale de Banques'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.
Union Internationale de Banques (XTUN:UIB) has a 3-Year RORE % of -15.03 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 Union Internationale de Banques and its competitors. According to the industry distribution chart, Union Internationale de Banques ranks #1256 out of 1471 companies in the Banks industry, placing it in the top 85.4%.
Is Union Internationale de Banques' 3-Year RORE % too high?
Union Internationale de Banques' current 3-Year RORE % is -15.03. Based on the distribution chart, Union Internationale de Banques ranks #1256 out of 1471 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Union Internationale de Banques has a GF Score™ of 86/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Union Internationale de Banques' 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Union Internationale de Banques ranks #1256 out of 1471 companies for 3-Year RORE %. This places Union Internationale de Banques in the lower half of its industry. The industry median 3-Year RORE % is 9.89. 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. 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 Union Internationale de Banques 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. Union Internationale de Banques's current 3-Year RORE % is -15.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Internationale de Banques stock overvalued right now?
Based on GuruFocus' analysis, Union Internationale de Banques (XTUN:UIB) is currently considered Modestly Overvalued. The stock's GF Value™ is TND24.71, compared to a current price of TND31.00 — trading 25.5% above its estimated fair value. The current 3-Year RORE % is -15.03. Union Internationale de Banques' overall GF Score™ is 86/100 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 Union Internationale de Banques (XTUN:UIB), the current 3-Year RORE % is -15.03 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 Union Internationale de Banques (XTUN:UIB) Overvalued in 2026?
Based on GuruFocus' analysis, Union Internationale de Banques stock appears to be overvalued.
The current stock price of TND31.00 is trading 25.5% above its estimated GF Value™ of TND24.71.
GuruFocus considers Union Internationale de Banques to be Modestly Overvalued.
Key valuation signals for XTUN:UIB:
3-Year RORE %: -15.03
GF Value™: TND24.71 vs. price of TND31.00 (25.5% above fair value)
No single metric tells the full story. See the XTUN:UIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Union Internationale de Banques Business Description
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