Abu Dhabi Commercial Bank (ADX:ADCB) Retained Earnings: د.إ34,016 Mil (As of Mar. 2026)

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ADX:ADCB Abu Dhabi Commercial Bank ADX:ADCB
61 GF Score
Price د.إ14.22
GF Value د.إ13.60
Valuation Fairly Valued
! 4 Warning Signs
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What is Abu Dhabi Commercial Bank Retained Earnings?

Abu Dhabi Commercial Bank ADX:ADCB -1.93% 61 Retained Earnings is د.إ34,016 Mil as of Mar. 2026. GuruFocus rates ADX:ADCB with a GF Score™ of 61/100 and a GF Value™ of د.إ13.60 (Fairly Valued). The stock has 4 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Abu Dhabi Commercial Bank's retained earnings for the quarter that ended in Mar. 2026 was د.إ34,016 Mil.

Abu Dhabi Commercial Bank's quarterly retained earnings increased from Sep. 2025 (د.إ33,443 Mil) to Dec. 2025 (د.إ35,904 Mil) but then declined from Dec. 2025 (د.إ35,904 Mil) to Mar. 2026 (د.إ34,016 Mil).

Abu Dhabi Commercial Bank's annual retained earnings increased from Dec. 2023 (د.إ26,701 Mil) to Dec. 2024 (د.إ30,526 Mil) and increased from Dec. 2024 (د.إ30,526 Mil) to Dec. 2025 (د.إ35,904 Mil).


Abu Dhabi Commercial Bank  (ADX:ADCB) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Abu Dhabi Commercial Bank Retained Earnings Historical Data

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The historical data trend for Abu Dhabi Commercial Bank's Retained Earnings 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.

Abu Dhabi Commercial Bank Retained Earnings Chart

Abu Dhabi Commercial Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 19,240.16 23,035.38 26,701.11 30,526.00 35,904.00

Abu Dhabi Commercial Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Retained Earnings 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 28,292.10 30,402.52 33,443.16 35,904.00 34,016.00
ADX:ADCB
61GF Score
Abu Dhabi Commercial Bank ADX:ADCB
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Abu Dhabi Commercial Bank Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of د.إ34,016 Mil mean?
Abu Dhabi Commercial Bank (ADX:ADCB) has a Retained Earnings of د.إ34,016 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Abu Dhabi Commercial Bank and its competitors.
Is Abu Dhabi Commercial Bank's Retained Earnings too high?
Abu Dhabi Commercial Bank's current Retained Earnings is د.إ34,016 Mil. Overall, Abu Dhabi Commercial Bank has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi Commercial Bank's Retained Earnings compare to competitors?
Abu Dhabi Commercial Bank's Retained Earnings of د.إ34,016 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Abu Dhabi Commercial Bank and its competitors. Abu Dhabi Commercial Bank's current Retained Earnings is د.إ34,016 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abu Dhabi Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi Commercial Bank (ADX:ADCB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ13.60, compared to a current price of د.إ14.22 — trading 4.6% above its estimated fair value. The current Retained Earnings is د.إ34,016 Mil. Abu Dhabi Commercial Bank's overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Abu Dhabi Commercial Bank (ADX:ADCB), the current Retained Earnings is د.إ34,016 Mil 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 Abu Dhabi Commercial Bank (ADX:ADCB) Overvalued in 2026?

Based on GuruFocus' analysis, Abu Dhabi Commercial Bank stock appears to be overvalued. The current stock price of د.إ14.22 is trading 4.6% above its estimated GF Value™ of د.إ13.60. GuruFocus considers Abu Dhabi Commercial Bank to be Fairly Valued.

Key valuation signals for ADX:ADCB:

  • Retained Earnings: د.إ34,016 Mil
  • GF Value™: د.إ13.60 vs. price of د.إ14.22 (4.6% above fair value)
  • GF Score™: 61/100 with 4 warning signs

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


Abu Dhabi Commercial Bank Business Description

Address Sheikh Zayed Bin Sultan Street, Head Office Building, Plot C- 33, Sector E-11, P. O. Box 939, Abu Dhabi, ARE
Abu Dhabi Commercial Bank is principally engaged in the business of retail, commercial and Islamic banking, and provision of other financial services. Its segments include Retail banking, Private banking, Corporate and investment banking, Investments and treasury, and Others. The majority of the revenue is derived from Corporate and investment banking segment that comprises of business banking, cash management, trade finance, corporate finance, small and medium enterprise financing, investment banking, Islamic financing, infrastructure and asset finance, government and public enterprises. It includes loans, deposits and other transactions and balances with corporate customers.
61GF Score

Get the complete analysis for ADX:ADCB

Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ14.22
Price
د.إ13.60
GF Value