Sharjah Islamic Bank (ADX:SIB) Retained Earnings: د.إ2,142 Mil (As of Mar. 2026)

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ADX:SIB Sharjah Islamic Bank ADX:SIB
71 GF Score
Price د.إ2.89
GF Value د.إ3.17
Valuation Fairly Valued
! 1 Warning Sign
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What is Sharjah Islamic Bank Retained Earnings?

Sharjah Islamic Bank ADX:SIB -0.34% 71 Retained Earnings is د.إ2,142 Mil as of Mar. 2026. GuruFocus rates ADX:SIB with a GF Score™ of 71/100 and a GF Value™ of د.إ3.17 (Fairly Valued). The stock has 1 warning sign investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Sharjah Islamic Bank's retained earnings for the quarter that ended in Mar. 2026 was د.إ2,142 Mil.

Sharjah Islamic Bank's quarterly retained earnings increased from Sep. 2025 (د.إ2,396 Mil) to Dec. 2025 (د.إ2,485 Mil) but then declined from Dec. 2025 (د.إ2,485 Mil) to Mar. 2026 (د.إ2,142 Mil).

Sharjah Islamic Bank's annual retained earnings increased from Dec. 2023 (د.إ1,357 Mil) to Dec. 2024 (د.إ1,872 Mil) and increased from Dec. 2024 (د.إ1,872 Mil) to Dec. 2025 (د.إ2,485 Mil).


Sharjah Islamic Bank  (ADX:SIB) 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.


Sharjah Islamic Bank Retained Earnings Historical Data

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The historical data trend for Sharjah Islamic 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.

Sharjah Islamic Bank Retained Earnings Chart

Sharjah Islamic 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 1,094.39 1,348.08 1,356.88 1,872.12 2,485.17

Sharjah Islamic 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 1,664.51 2,015.43 2,396.13 2,485.17 2,141.51
ADX:SIB
71GF Score
Sharjah Islamic Bank ADX:SIB
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Sharjah Islamic 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.إ2,142 Mil mean?
Sharjah Islamic Bank (ADX:SIB) has a Retained Earnings of د.إ2,142 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Sharjah Islamic Bank and its competitors.
Is Sharjah Islamic Bank's Retained Earnings too high?
Sharjah Islamic Bank's current Retained Earnings is د.إ2,142 Mil. Overall, Sharjah Islamic Bank has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sharjah Islamic Bank's Retained Earnings compare to competitors?
Sharjah Islamic Bank's Retained Earnings of د.إ2,142 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 Sharjah Islamic Bank and its competitors. Sharjah Islamic Bank's current Retained Earnings is د.إ2,142 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sharjah Islamic Bank stock overvalued right now?
Based on GuruFocus' analysis, Sharjah Islamic Bank (ADX:SIB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ3.17, compared to a current price of د.إ2.89 — trading 8.8% below its estimated fair value. The current Retained Earnings is د.إ2,142 Mil. Sharjah Islamic Bank's overall GF Score™ is 71/100 with 1 warning sign 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 Sharjah Islamic Bank (ADX:SIB), the current Retained Earnings is د.إ2,142 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 Sharjah Islamic Bank (ADX:SIB) Overvalued in 2026?

Based on GuruFocus' analysis, Sharjah Islamic Bank stock appears to be undervalued. The current stock price of د.إ2.89 is trading 8.8% below its estimated GF Value™ of د.إ3.17. GuruFocus considers Sharjah Islamic Bank to be Fairly Valued.

Key valuation signals for ADX:SIB:

  • Retained Earnings: د.إ2,142 Mil
  • GF Value™: د.إ3.17 vs. price of د.إ2.89 (8.8% below fair value)
  • GF Score™: 71/100 with 1 warning sign

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


Sharjah Islamic Bank Business Description

Address Sharjah Islamic Bank Tower, P.O. Box 4, Al Khan, Sharjah, ARE
Sharjah Islamic Bank is engaged in providing banking activities, financing, and investing activities to corporates and individuals. The bank's activities comprise four main business segments: Government and corporate, Retail, Investment and treasury, and Hospitality, brokerage and real estate. The majority of its revenue is derived from the Government and corporate segment, in which the bank provides companies, institutions and government departments with a range of Islamic financial products and services.
71GF Score

Get the complete analysis for ADX:SIB

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

د.إ2.89
Price
د.إ3.17
GF Value