Banco Provincial (CAR:BPV) Retained Earnings: VES36,777 Mil (As of Dec. 2025)

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CAR:BPV Banco Provincial SA CAR:BPV
88 GF Score
Price VES63.81
GF Value VES17.68
Valuation Significantly Overvalued
! 2 Warning Signs
View Full Analysis

What is Banco Provincial Retained Earnings?

Banco Provincial CAR:BPV +4.61% 88 Retained Earnings is VES36,777 Mil as of Dec. 2025. GuruFocus rates CAR:BPV with a GF Score™ of 88/100 and a GF Value™ of VES17.68 (Significantly Overvalued). The stock has 2 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Banco Provincial's retained earnings for the quarter that ended in Dec. 2025 was VES36,777 Mil.

Banco Provincial's quarterly retained earnings stayed the same from Dec. 2024 (VES0 Mil) to Jun. 2025 (VES0 Mil) but then increased from Jun. 2025 (VES0 Mil) to Dec. 2025 (VES36,777 Mil).

Banco Provincial's annual retained earnings stayed the same from Dec. 2023 (VES0 Mil) to Dec. 2024 (VES0 Mil) but then increased from Dec. 2024 (VES0 Mil) to Dec. 2025 (VES36,777 Mil).


Banco Provincial  (CAR:BPV) 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 Provincial Retained Earnings Historical Data

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The historical data trend for Banco Provincial'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 Provincial Retained Earnings Chart

Banco Provincial 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 0.00 0.00 0.00 0.00 36,776.59

Banco Provincial Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
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 0.00 0.00 0.00 0.00 36,776.59
CAR:BPV
88GF Score
Banco Provincial SA CAR:BPV
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco Provincial 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 VES36,777 Mil mean?
Banco Provincial (CAR:BPV) has a Retained Earnings of VES36,777 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Banco Provincial and its competitors.
Is Banco Provincial's Retained Earnings too high?
Banco Provincial's current Retained Earnings is VES36,777 Mil. Overall, Banco Provincial has a GF Score™ of 88/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Provincial's Retained Earnings compare to PNC and USB?
Banco Provincial's Retained Earnings of VES36,777 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 Provincial and its competitors. Banco Provincial's current Retained Earnings is VES36,777 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Provincial stock overvalued right now?
Based on GuruFocus' analysis, Banco Provincial (CAR:BPV) is currently considered Significantly Overvalued. The stock's GF Value™ is VES17.68, compared to a current price of VES63.81 — trading 260.9% above its estimated fair value. The current Retained Earnings is VES36,777 Mil. Banco Provincial's overall GF Score™ is 88/100 with 2 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 Banco Provincial (CAR:BPV), the current Retained Earnings is VES36,777 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 Banco Provincial (CAR:BPV) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Provincial stock appears to be overvalued. The current stock price of VES63.81 is trading 260.9% above its estimated GF Value™ of VES17.68. GuruFocus considers Banco Provincial to be Significantly Overvalued.

Key valuation signals for CAR:BPV:

  • Retained Earnings: VES36,777 Mil
  • GF Value™: VES17.68 vs. price of VES63.81 (260.9% above fair value)
  • GF Score™: 88/100 with 2 warning signs

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


Banco Provincial Business Description

Address Volmer Avenue with East Avenue 0, Provincial Financial Center, 14th floor, San Bernardino urbanization, Caracas, VEN
Banco Provincial SA operates as a bank in Venezuela. The company offers Current, Savings, foreign currency accounts, mutual funds, Gold credit cards, classic credit cards, and debit cards. It also provides various banking services, including personal loans, mortgage loans, vehicle loans, and flexible credit to its customers in Venezuela.
88GF Score

Get the complete analysis for CAR:BPV

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

VES63.81
Price
VES17.68
GF Value