Credit Immobilier et Hotelier (CAS:CIH) Retained Earnings: MAD246 Mil (As of Mar. 2026)


CAS:CIH Credit Immobilier et Hotelier SA CAS:CIH
32 GF Score
Price MAD339.50
GF Value MAD413.50
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Credit Immobilier et Hotelier Retained Earnings?

Credit Immobilier et Hotelier CAS:CIH -0.82% 32 Retained Earnings is MAD246 Mil as of Mar. 2026. GuruFocus rates CAS:CIH with a GF Score™ of 32/100 and a GF Value™ of MAD413.50 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Credit Immobilier et Hotelier's retained earnings for the quarter that ended in Mar. 2026 was MAD246 Mil.

Credit Immobilier et Hotelier's quarterly retained earnings increased from Sep. 2025 (MAD862 Mil) to Dec. 2025 (MAD1,089 Mil) but then declined from Dec. 2025 (MAD1,089 Mil) to Mar. 2026 (MAD246 Mil).

Credit Immobilier et Hotelier's annual retained earnings increased from Dec. 2023 (MAD710 Mil) to Dec. 2024 (MAD876 Mil) and increased from Dec. 2024 (MAD876 Mil) to Dec. 2025 (MAD1,089 Mil).


Credit Immobilier et Hotelier  (CAS:CIH) 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.


Credit Immobilier et Hotelier Retained Earnings Historical Data

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The historical data trend for Credit Immobilier et Hotelier'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.

Credit Immobilier et Hotelier Retained Earnings Chart

Credit Immobilier et Hotelier 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 603.04 669.09 710.39 875.88 1,089.36

Credit Immobilier et Hotelier 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 0.00 615.44 862.26 1,089.36 245.91
CAS:CIH
32GF Score
Credit Immobilier et Hotelier SA CAS:CIH
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Credit Immobilier et Hotelier 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 MAD246 Mil mean?
Credit Immobilier et Hotelier (CAS:CIH) has a Retained Earnings of MAD246 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Credit Immobilier et Hotelier and its competitors.
Is Credit Immobilier et Hotelier's Retained Earnings too high?
Credit Immobilier et Hotelier's current Retained Earnings is MAD246 Mil. Overall, Credit Immobilier et Hotelier has a GF Score™ of 32/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Immobilier et Hotelier's Retained Earnings compare to PNC and USB?
Credit Immobilier et Hotelier's Retained Earnings of MAD246 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 Credit Immobilier et Hotelier and its competitors. Credit Immobilier et Hotelier's current Retained Earnings is MAD246 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Immobilier et Hotelier stock overvalued right now?
Based on GuruFocus' analysis, Credit Immobilier et Hotelier (CAS:CIH) is currently considered Modestly Undervalued. The stock's GF Value™ is MAD413.50, compared to a current price of MAD339.50 — trading 17.9% below its estimated fair value. The current Retained Earnings is MAD246 Mil. Credit Immobilier et Hotelier's overall GF Score™ is 32/100 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 Credit Immobilier et Hotelier (CAS:CIH), the current Retained Earnings is MAD246 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 Credit Immobilier et Hotelier (CAS:CIH) Overvalued in 2026?

Based on GuruFocus' analysis, Credit Immobilier et Hotelier stock appears to be undervalued. The current stock price of MAD339.50 is trading 17.9% below its estimated GF Value™ of MAD413.50. GuruFocus considers Credit Immobilier et Hotelier to be Modestly Undervalued.

Key valuation signals for CAS:CIH:

  • Retained Earnings: MAD246 Mil
  • GF Value™: MAD413.50 vs. price of MAD339.50 (17.9% below fair value)
  • GF Score™: 32/100 with 2 warning signs

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


Credit Immobilier et Hotelier Business Description

Address 187, Avenue Hassan II, Casablanca, MAR, 20019
Credit Immobilier et Hotelier SA provides various banking products and services. It accepts checking, currency, and current accounts; and offers funding solutions. The company also provides bank cards; saving and investment products; and bancassurance, payment, transfer, international operation, and specialized services.
32GF Score

Get the complete analysis for CAS:CIH

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

MAD339.50
Price
MAD413.50
GF Value