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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. BSP Financial Group's retained earnings for the quarter that ended in Dec. 2025 was A$1,302 Mil.
BSP Financial Group's quarterly retained earnings
increased
from Dec. 2024 (A$1,189 Mil) to Jun. 2025 (A$1,189 Mil) and
increased
from Jun. 2025 (A$1,189 Mil) to Dec. 2025 (A$1,302 Mil).
BSP Financial Group's annual retained earnings
increased
from Dec. 2023 (A$1,088 Mil) to Dec. 2024 (A$1,189 Mil) and
increased
from Dec. 2024 (A$1,189 Mil) to Dec. 2025 (A$1,302 Mil).
BSP Financial Group (ASX:BFL) 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.
BSP Financial Group Retained Earnings Historical Data
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The historical data trend for BSP Financial Group'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.
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.
What does a Retained Earnings of A$1,302 Mil mean?
BSP Financial Group (ASX:BFL) has a Retained Earnings of A$1,302 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on BSP Financial Group and its competitors.
Is BSP Financial Group's Retained Earnings too high?
BSP Financial Group's current Retained Earnings is A$1,302 Mil. Overall, BSP Financial Group has a GF Score™ of 50/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BSP Financial Group's Retained Earnings compare to PNC and USB?
BSP Financial Group's Retained Earnings of A$1,302 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 BSP Financial Group and its competitors. BSP Financial Group's current Retained Earnings is A$1,302 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BSP Financial Group stock overvalued right now?
Based on GuruFocus' analysis, BSP Financial Group (ASX:BFL) is currently considered Fairly Valued. The stock's GF Value™ is A$8.00, compared to a current price of A$8.18 — trading 2.3% above its estimated fair value. The current Retained Earnings is A$1,302 Mil. BSP Financial Group's overall GF Score™ is 50/100 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 BSP Financial Group (ASX:BFL), the current Retained Earnings is A$1,302 Mil as of Dec. 2025. 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 BSP Financial Group (ASX:BFL) Overvalued in 2026?
Based on GuruFocus' analysis, BSP Financial Group stock appears to be overvalued.
The current stock price of A$8.18 is trading 2.3% above its estimated GF Value™ of A$8.00.
GuruFocus considers BSP Financial Group to be Fairly Valued.
Key valuation signals for ASX:BFL:
Retained Earnings: A$1,302 Mil
GF Value™: A$8.00 vs. price of A$8.18 (2.3% above fair value)
No single metric tells the full story. See the ASX:BFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BSP Financial Group Ltd is a diversified business covering banking, asset finance, life insurance, and fund management. The company's operating segments include banking services, split into PNG Bank and Offshore Banks, and non-banking services, which comprise insurance operations, fund management, and asset financing activities. It generates a vast majority of its revenues from the PNG Bank segment. Geographically, the company operates in Papua New Guinea, Fiji, Solomon Islands, Cook Islands, Tonga, Samoa, Vanuatu, Cambodia, and Laos.
50GF Score
Get the complete analysis for ASX:BFL
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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