Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Judo Capital Holdings's retained earnings for the quarter that ended in Dec. 2025 was A$208.3 Mil.
Judo Capital Holdings's quarterly retained earnings
increased
from Dec. 2024 (A$102.9 Mil) to Jun. 2025 (A$148.4 Mil) and
increased
from Jun. 2025 (A$148.4 Mil) to Dec. 2025 (A$208.3 Mil).
Judo Capital Holdings's annual retained earnings
increased
from Jun. 2023 (A$-7.9 Mil) to Jun. 2024 (A$62.0 Mil) and
increased
from Jun. 2024 (A$62.0 Mil) to Jun. 2025 (A$148.4 Mil).
Judo Capital Holdings (ASX:JDO) 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.
Judo Capital Holdings Retained Earnings Historical Data
* Premium members only.
The historical data trend for Judo Capital Holdings'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.
Judo Capital Holdings 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.
What does a Retained Earnings of A$208.3 Mil mean?
Judo Capital Holdings (ASX:JDO) has a Retained Earnings of A$208.3 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Judo Capital Holdings and its competitors.
Is Judo Capital Holdings' Retained Earnings too high?
Judo Capital Holdings' current Retained Earnings is A$208.3 Mil. Overall, Judo Capital Holdings has a GF Score™ of 46/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Judo Capital Holdings' Retained Earnings compare to PNC and USB?
Judo Capital Holdings' Retained Earnings of A$208.3 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 Judo Capital Holdings and its competitors. Judo Capital Holdings's current Retained Earnings is A$208.3 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Judo Capital Holdings stock overvalued right now?
Based on GuruFocus' analysis, Judo Capital Holdings (ASX:JDO) is currently considered Significantly Undervalued. The stock's GF Value™ is A$2.17, compared to a current price of A$0.91 — trading 58.1% below its estimated fair value. The current Retained Earnings is A$208.3 Mil. Judo Capital Holdings' overall GF Score™ is 46/100 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 Judo Capital Holdings (ASX:JDO), the current Retained Earnings is A$208.3 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 Judo Capital Holdings (ASX:JDO) Overvalued in 2026?
Based on GuruFocus' analysis, Judo Capital Holdings stock appears to be undervalued.
The current stock price of A$0.91 is trading 58.1% below its estimated GF Value™ of A$2.17.
GuruFocus considers Judo Capital Holdings to be Significantly Undervalued.
Key valuation signals for ASX:JDO:
Retained Earnings: A$208.3 Mil
GF Value™: A$2.17 vs. price of A$0.91 (58.1% below fair value)
No single metric tells the full story. See the ASX:JDO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Judo Capital is an Australian bank primarily focused on lending to Australian small and midsize businesses. Judo's main lending products are business loans, equipment finance, lines of credit, and home loans. Personal, business, and self-managed superannuation fund term deposits are a key source of funding.
46GF Score
Get the complete analysis for ASX:JDO
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASX:JDO has been successfully added to your 
