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.
IPDC Finance's 5-Year RORE % for the quarter that ended in Mar. 2026 was -25.75%.
The industry rank for IPDC Finance's 5-Year RORE % or its related term are showing as below:
DHA:IPDC's 5-Year RORE % is ranked worse than 76.59% of 487
companies
in the Credit Services industry
Industry Median: 7.54
vs DHA:IPDC: -25.75
IPDC Finance (DHA:IPDC) 5-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, 5-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.
IPDC Finance 5-Year RORE % Related Terms
IPDC Finance 5-Year RORE % Historical Data
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The historical data trend for IPDC Finance's 5-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.
For the Credit Services subindustry, IPDC Finance's 5-Year RORE %, along with its competitors' market caps and 5-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.
IPDC Finance 5-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IPDC Finance's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where IPDC Finance's 5-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 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 5-year before.
IPDC Finance (DHA:IPDC) has a 5-Year RORE % of -25.75 as of Mar. 2026. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on IPDC Finance and its competitors. According to the industry distribution chart, IPDC Finance ranks #373 out of 487 companies in the Credit Services industry, placing it in the top 76.6%.
Is IPDC Finance's 5-Year RORE % too high?
IPDC Finance's current 5-Year RORE % is -25.75. Based on the distribution chart, IPDC Finance ranks #373 out of 487 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, IPDC Finance has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IPDC Finance's 5-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, IPDC Finance ranks #373 out of 487 companies for 5-Year RORE %. This places IPDC Finance in the lower half of its industry. The industry median 5-Year RORE % is 7.54. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year RORE % for a Credit Services company?
The median 5-Year RORE % among Credit Services companies is 7.54, based on 487 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-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 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on IPDC Finance and its competitors. For the Credit Services industry, the median 5-Year RORE % is 7.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IPDC Finance's current 5-Year RORE % is -25.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IPDC Finance stock overvalued right now?
Based on GuruFocus' analysis, IPDC Finance (DHA:IPDC) is currently considered Significantly Overvalued. The stock's GF Value™ is BDT22.63, compared to a current price of BDT33.50 — trading 48% above its estimated fair value. The current 5-Year RORE % is -25.75. IPDC Finance's overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For IPDC Finance (DHA:IPDC), the current 5-Year RORE % is -25.75 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 IPDC Finance (DHA:IPDC) Overvalued in 2026?
Based on GuruFocus' analysis, IPDC Finance stock appears to be overvalued.
The current stock price of BDT33.50 is trading 48% above its estimated GF Value™ of BDT22.63.
GuruFocus considers IPDC Finance to be Significantly Overvalued.
Key valuation signals for DHA:IPDC:
5-Year RORE %: -25.75
GF Value™: BDT22.63 vs. price of BDT33.50 (48% above fair value)
No single metric tells the full story. See the DHA:IPDC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IPDC Finance PLC has diversified its product portfolio and evolved as multiproduct financial institution that is specialised in providing long term and short term finance, project finance, lease finance, supply chain finance, home loan, equity financing, syndication finance, retail finance, Small & Medium Enterprises (SME) finance, asset backed securitisation, retailer finance, factoring finance, and related consultancies. Its segments are Corporate, SME & Emerging, Corporate, and Retail Treasury. The company generates majority of revenue from Corporate segment.
62GF Score
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5-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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