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. DBH Finance's retained earnings for the quarter that ended in Mar. 2026 was BDT1,706 Mil.
DBH Finance's quarterly retained earnings
increased
from Sep. 2025 (BDT1,302 Mil) to Dec. 2025 (BDT1,510 Mil) and
increased
from Dec. 2025 (BDT1,510 Mil) to Mar. 2026 (BDT1,706 Mil).
DBH Finance's annual retained earnings
increased
from Dec. 2023 (BDT676 Mil) to Dec. 2024 (BDT936 Mil) and
increased
from Dec. 2024 (BDT936 Mil) to Dec. 2025 (BDT1,510 Mil).
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.
DBH Finance Retained Earnings Historical Data
* Premium members only.
The historical data trend for DBH Finance'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 BDT1,706 Mil mean?
DBH Finance (DHA:DBH) has a Retained Earnings of BDT1,706 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on DBH Finance and its competitors.
Is DBH Finance's Retained Earnings too high?
DBH Finance's current Retained Earnings is BDT1,706 Mil. Overall, DBH Finance has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does DBH Finance's Retained Earnings compare to V and MA?
DBH Finance's Retained Earnings of BDT1,706 Mil can be compared against companies in the Credit Services 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 Credit Services company?
A good Retained Earnings depends on the Credit Services 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 DBH Finance and its competitors. DBH Finance's current Retained Earnings is BDT1,706 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is DBH Finance stock overvalued right now?
Based on GuruFocus' analysis, DBH Finance (DHA:DBH) is currently considered Fairly Valued. The stock's GF Value™ is BDT42.14, compared to a current price of BDT43.80 — trading 3.9% above its estimated fair value. The current Retained Earnings is BDT1,706 Mil. DBH Finance's overall GF Score™ is 67/100 with 5 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 DBH Finance (DHA:DBH), the current Retained Earnings is BDT1,706 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 DBH Finance (DHA:DBH) Overvalued in 2026?
Based on GuruFocus' analysis, DBH Finance stock appears to be overvalued.
The current stock price of BDT43.80 is trading 3.9% above its estimated GF Value™ of BDT42.14.
GuruFocus considers DBH Finance to be Fairly Valued.
Key valuation signals for DHA:DBH:
Retained Earnings: BDT1,706 Mil
GF Value™: BDT42.14 vs. price of BDT43.80 (3.9% above fair value)
No single metric tells the full story. See the DHA:DBH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
DBH Finance PLC is engaged in providing loans for construction of houses, purchases of flats or houses, extensions and improvements of existing houses or flats and purchase of housing plots. It has also various investment and financing products like term deposit scheme, cumulative deposit, triple money deposit, double money deposit, annual income deposit, quarterly income deposit, monthly income deposit, easy way deposit etc. for its individual and corporate clients. Its segments consist of Conventional Products & Services that offers a diverse array of conventional financial solutions developed to meet both housing and personal financial needs; and Islamic Products and services. The majority of revenue is derived from Conventional Products & Services segment.
67GF Score
Get the complete analysis for DHA:DBH
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
DHA:DBH has been successfully added to your 
