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.
Istarska Kreditna Banka Umag d.d does not have enough data to calculate 3-Year RORE %.
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.
Istarska Kreditna Banka Umag d.d 3-Year RORE % Related Terms
Istarska Kreditna Banka Umag d.d 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.
For the Banks - Regional subindustry, Istarska Kreditna Banka Umag d.d'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.
Istarska Kreditna Banka Umag d.d 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Istarska Kreditna Banka Umag d.d's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Istarska Kreditna Banka Umag d.d'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 . 20 and 3-year before.
Istarska Kreditna Banka Umag d.d (ZAG:IKBA) has a 3-Year RORE % of 0.00 as of . 20. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Istarska Kreditna Banka Umag d.d and its competitors. According to the industry distribution chart, Istarska Kreditna Banka Umag d.d ranks #999999 out of 1469 companies in the Banks industry.
Is Istarska Kreditna Banka Umag d.d's 3-Year RORE % too high?
Istarska Kreditna Banka Umag d.d's current 3-Year RORE % is 0.00. Based on the distribution chart, Istarska Kreditna Banka Umag d.d ranks #999999 out of 1469 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Istarska Kreditna Banka Umag d.d has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does Istarska Kreditna Banka Umag d.d's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Istarska Kreditna Banka Umag d.d ranks #999999 out of 1469 companies for 3-Year RORE %. This places Istarska Kreditna Banka Umag d.d in the lower half of its industry. The industry median 3-Year RORE % is 10.55. 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 10.55, based on 1,469 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 Istarska Kreditna Banka Umag d.d and its competitors. For the Banks industry, the median 3-Year RORE % is 10.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Istarska Kreditna Banka Umag d.d's current 3-Year RORE % is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Istarska Kreditna Banka Umag d.d stock overvalued right now?
Istarska Kreditna Banka Umag d.d (ZAG:IKBA) has a current 3-Year RORE % of 0.00. The current 3-Year RORE % is 0.00. Istarska Kreditna Banka Umag d.d's overall GF Score™ is 9/100 with 1 warning sign 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 Istarska Kreditna Banka Umag d.d (ZAG:IKBA), the current 3-Year RORE % is 0.00 as of . 20. 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.
Istarska Kreditna Banka Umag d.d is engaged in banking business. The bank offers services such as mobile banking, and internet banking. housing loans, treasury operations, trust management, and investment banking services, current and term deposit accounts among others. Its operating segments are Retail banking and Corporate banking. Retail banking includes private customer transaction accounts, savings, deposits, credit and debit cards, consumer loans, and mortgages. Corporate banking consists of direct debit facilities, transaction accounts, deposits, overdrafts, loans, and other credit facilities, foreign currency, and derivative products. The company generates a majority of its revenue from the Corporate banking segment.
9GF Score
Get the complete analysis for ZAG:IKBA
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
ZAG:IKBA has been successfully added to your 
