INA-Industrija Nafte DD (ZAG:INA) 3-Year RORE % : -445.07% (As of Mar. 2026)

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ZAG:INA INA-Industrija Nafte DD ZAG:INA
75 GF Score
Price €500.00
GF Value €357.43
Valuation Significantly Overvalued
! 7 Warning Signs
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What is INA-Industrija Nafte DD 3-Year RORE %?

INA-Industrija Nafte DD ZAG:INA -4.76% 75 3-Year RORE % is -445.07 as of Mar. 2026. GuruFocus rates ZAG:INA with a GF Score™ of 75/100 and a GF Value™ of €357.43 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 919 Oil & Gas companies, INA-Industrija Nafte DD ranks worse than 97.17% on this metric.

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. INA-Industrija Nafte DD's 3-Year RORE % for the quarter that ended in Mar. 2026 was -445.07%.

The industry rank for INA-Industrija Nafte DD's 3-Year RORE % or its related term are showing as below:

ZAG:INA's 3-Year RORE % is ranked worse than
97.17% of 919 companies
in the Oil & Gas industry
Industry Median: 1.22 vs ZAG:INA: -445.07

INA-Industrija Nafte DD  (ZAG:INA) 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.


INA-Industrija Nafte DD 3-Year RORE % Related Terms


INA-Industrija Nafte DD 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for INA-Industrija Nafte DD'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.

INA-Industrija Nafte DD 3-Year RORE % Chart

INA-Industrija Nafte DD Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -61.53 650.58 24.41 -83.45 -451.79

INA-Industrija Nafte DD Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 75.39 -70.77 -63.57 -451.79 -445.07

ZAG:INA vs VLO, MPC, PSX: 3-Year RORE % Comparison

For the Oil & Gas Refining & Marketing subindustry, INA-Industrija Nafte DD'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.


INA-Industrija Nafte DD 3-Year RORE % vs Oil & Gas Industry

For the Oil & Gas industry and Energy sector, INA-Industrija Nafte DD's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where INA-Industrija Nafte DD's 3-Year RORE % falls into.


ZAG:INA
75GF Score
INA-Industrija Nafte DD ZAG:INA
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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INA-Industrija Nafte DD 3-Year RORE % Calculation

INA-Industrija Nafte DD's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 12.69-27.6 )/( 59.35-56 )
=-14.91/3.35
=-445.07 %

* 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.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of -445.07 mean?
INA-Industrija Nafte DD (ZAG:INA) has a 3-Year RORE % of -445.07 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 INA-Industrija Nafte DD and its competitors. According to the industry distribution chart, INA-Industrija Nafte DD ranks #893 out of 919 companies in the Oil & Gas industry, placing it in the top 97.2%.
Is INA-Industrija Nafte DD's 3-Year RORE % too high?
INA-Industrija Nafte DD's current 3-Year RORE % is -445.07. Based on the distribution chart, INA-Industrija Nafte DD ranks #893 out of 919 companies in the Oil & Gas industry, which is in the bottom quartile relative to peers. Overall, INA-Industrija Nafte DD has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does INA-Industrija Nafte DD's 3-Year RORE % compare to VLO and MPC?
According to the Oil & Gas industry distribution chart, INA-Industrija Nafte DD ranks #893 out of 919 companies for 3-Year RORE %. This places INA-Industrija Nafte DD in the lower half of its industry. The industry median 3-Year RORE % is 1.22. 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 an Oil & Gas company?
The median 3-Year RORE % among Oil & Gas companies is 1.22, based on 919 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 INA-Industrija Nafte DD and its competitors. For the Oil & Gas industry, the median 3-Year RORE % is 1.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. INA-Industrija Nafte DD's current 3-Year RORE % is -445.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is INA-Industrija Nafte DD stock overvalued right now?
Based on GuruFocus' analysis, INA-Industrija Nafte DD (ZAG:INA) is currently considered Significantly Overvalued. The stock's GF Value™ is €357.43, compared to a current price of €500.00 — trading 39.9% above its estimated fair value. The current 3-Year RORE % is -445.07. INA-Industrija Nafte DD's overall GF Score™ is 75/100 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 INA-Industrija Nafte DD (ZAG:INA), the current 3-Year RORE % is -445.07 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 INA-Industrija Nafte DD (ZAG:INA) Overvalued in 2026?

Based on GuruFocus' analysis, INA-Industrija Nafte DD stock appears to be overvalued. The current stock price of €500.00 is trading 39.9% above its estimated GF Value™ of €357.43. GuruFocus considers INA-Industrija Nafte DD to be Significantly Overvalued.

Key valuation signals for ZAG:INA:

  • 3-Year RORE %: -445.07
  • GF Value™: €357.43 vs. price of €500.00 (39.9% above fair value)
  • GF Score™: 75/100 with 7 warning signs

No single metric tells the full story. See the ZAG:INA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


INA-Industrija Nafte DD Business Description

Industry EnergyOil & Gas
Address Avenija Veceslava, Holjevca 10, Zagreb, HRV, 10 020
INA-Industrija Nafte DD is a medium-sized European oil and gas company. It is engaged in exploration and production of oil and gas deposits, import of natural gas and sale of imported and domestically produced natural gas to industrial consumers and municipal gas distributors, refining and production of oil products through refineries located at Rijeka and Sisak, and Zagreb lubricants plants. Its segments are Exploration and Production of Oil & Gas; Refining & Marketing; Corporate and other. Exploration and Production of Oil & Gas segment include exploration, production, and selling of crude oil and natural gas. Refining & Marketing segment includes crude oil processing, wholesale of refinery products, trading, and logistics.
75GF Score

Get the complete analysis for ZAG:INA

3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€500.00
Price
€357.43
GF Value