Banco Patagonia (BUE:BPAT) Retained Earnings: ARS140,428 Mil (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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BUE:BPAT Banco Patagonia SA BUE:BPAT
56 GF Score
Price ARS1,925.00
GF Value ARS1,487.95
Valuation Modestly Overvalued
! 1 Warning Sign
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What is Banco Patagonia Retained Earnings?

Banco Patagonia BUE:BPAT -2.53% 56 Retained Earnings is ARS140,428 Mil as of Mar. 2026. GuruFocus rates BUE:BPAT with a GF Score™ of 56/100 and a GF Value™ of ARS1,487.95 (Modestly Overvalued). The stock has 1 warning sign investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Banco Patagonia's retained earnings for the quarter that ended in Mar. 2026 was ARS140,428 Mil.

Banco Patagonia's quarterly retained earnings increased from Sep. 2025 (ARS84,172 Mil) to Dec. 2025 (ARS109,111 Mil) and increased from Dec. 2025 (ARS109,111 Mil) to Mar. 2026 (ARS140,428 Mil).

Banco Patagonia's annual retained earnings increased from Dec. 2023 (ARS183,605 Mil) to Dec. 2024 (ARS271,776 Mil) but then declined from Dec. 2024 (ARS271,776 Mil) to Dec. 2025 (ARS109,111 Mil).


Banco Patagonia  (BUE:BPAT) 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.


Banco Patagonia Retained Earnings Historical Data

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The historical data trend for Banco Patagonia'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.

Banco Patagonia Retained Earnings Chart

Banco Patagonia 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 13,805.55 57,800.84 183,605.19 271,776.37 109,111.47

Banco Patagonia 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 261,690.19 69,687.17 84,172.22 109,111.47 140,427.53
BUE:BPAT
56GF Score
Banco Patagonia SA BUE:BPAT
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco Patagonia 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 ARS140,428 Mil mean?
Banco Patagonia (BUE:BPAT) has a Retained Earnings of ARS140,428 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Banco Patagonia and its competitors.
Is Banco Patagonia's Retained Earnings too high?
Banco Patagonia's current Retained Earnings is ARS140,428 Mil. Overall, Banco Patagonia has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Patagonia's Retained Earnings compare to PNC and USB?
Banco Patagonia's Retained Earnings of ARS140,428 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 Banco Patagonia and its competitors. Banco Patagonia's current Retained Earnings is ARS140,428 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Patagonia stock overvalued right now?
Based on GuruFocus' analysis, Banco Patagonia (BUE:BPAT) is currently considered Modestly Overvalued. The stock's GF Value™ is ARS1,487.95, compared to a current price of ARS1,925.00 — trading 29.4% above its estimated fair value. The current Retained Earnings is ARS140,428 Mil. Banco Patagonia's overall GF Score™ is 56/100 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 Banco Patagonia (BUE:BPAT), the current Retained Earnings is ARS140,428 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 Banco Patagonia (BUE:BPAT) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Patagonia stock appears to be overvalued. The current stock price of ARS1,925.00 is trading 29.4% above its estimated GF Value™ of ARS1,487.95. GuruFocus considers Banco Patagonia to be Modestly Overvalued.

Key valuation signals for BUE:BPAT:

  • Retained Earnings: ARS140,428 Mil
  • GF Value™: ARS1,487.95 vs. price of ARS1,925.00 (29.4% above fair value)
  • GF Score™: 56/100 with 1 warning sign

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


Banco Patagonia Business Description

Address Avenida de Mayo 701, 24th Floor, Buenos Aires, ARG
Banco Patagonia SA is a commercial bank based in Argentina. It provides products and services including savings accounts, checking accounts. It also provides mortgage loans, debit and credit cards, fixed-term deposits, consumer and commercial loans personal loans and other banking services. The company serves individuals, foreign residents, corporate customers, large companies, medium and small enterprises as well as agribusiness, private, financial, non-financial and government sector.
56GF Score

Get the complete analysis for BUE:BPAT

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

ARS1,925.00
Price
ARS1,487.95
GF Value