Islami Commercial Insurance (DHA:ICICL) Retained Earnings: BDT71.3 Mil (As of Mar. 2026)

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DHA:ICICL Islami Commercial Insurance PLC DHA:ICICL
59 GF Score
Price BDT37.20
GF Value BDT25.32
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Islami Commercial Insurance Retained Earnings?

Islami Commercial Insurance DHA:ICICL +0.81% 59 Retained Earnings is BDT71.3 Mil as of Mar. 2026. GuruFocus rates DHA:ICICL with a GF Score™ of 59/100 and a GF Value™ of BDT25.32 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Islami Commercial Insurance's retained earnings for the quarter that ended in Mar. 2026 was BDT71.3 Mil.

Islami Commercial Insurance's quarterly retained earnings increased from Sep. 2025 (BDT25.1 Mil) to Dec. 2025 (BDT55.8 Mil) and increased from Dec. 2025 (BDT55.8 Mil) to Mar. 2026 (BDT71.3 Mil).

Islami Commercial Insurance's annual retained earnings increased from Dec. 2023 (BDT51.4 Mil) to Dec. 2024 (BDT52.4 Mil) and increased from Dec. 2024 (BDT52.4 Mil) to Dec. 2025 (BDT55.8 Mil).


Islami Commercial Insurance  (DHA:ICICL) 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.


Islami Commercial Insurance Retained Earnings Historical Data

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The historical data trend for Islami Commercial Insurance'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.

Islami Commercial Insurance Retained Earnings Chart

Islami Commercial Insurance Annual Data
Trend Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
35.32 53.87 51.38 52.37 55.83

Islami Commercial Insurance Quarterly Data
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 62.45 68.68 25.13 55.83 71.27
DHA:ICICL
59GF Score
Islami Commercial Insurance PLC DHA:ICICL
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Islami Commercial Insurance 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 BDT71.3 Mil mean?
Islami Commercial Insurance (DHA:ICICL) has a Retained Earnings of BDT71.3 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Islami Commercial Insurance and its competitors.
Is Islami Commercial Insurance's Retained Earnings too high?
Islami Commercial Insurance's current Retained Earnings is BDT71.3 Mil. Overall, Islami Commercial Insurance has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Islami Commercial Insurance's Retained Earnings compare to CB and PGR?
Islami Commercial Insurance's Retained Earnings of BDT71.3 Mil can be compared against companies in the Insurance 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 an Insurance company?
A good Retained Earnings depends on the Insurance 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 Islami Commercial Insurance and its competitors. Islami Commercial Insurance's current Retained Earnings is BDT71.3 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Islami Commercial Insurance stock overvalued right now?
Based on GuruFocus' analysis, Islami Commercial Insurance (DHA:ICICL) is currently considered Significantly Overvalued. The stock's GF Value™ is BDT25.32, compared to a current price of BDT37.20 — trading 46.9% above its estimated fair value. The current Retained Earnings is BDT71.3 Mil. Islami Commercial Insurance's overall GF Score™ is 59/100 with 7 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 Islami Commercial Insurance (DHA:ICICL), the current Retained Earnings is BDT71.3 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 Islami Commercial Insurance (DHA:ICICL) Overvalued in 2026?

Based on GuruFocus' analysis, Islami Commercial Insurance stock appears to be overvalued. The current stock price of BDT37.20 is trading 46.9% above its estimated GF Value™ of BDT25.32. GuruFocus considers Islami Commercial Insurance to be Significantly Overvalued.

Key valuation signals for DHA:ICICL:

  • Retained Earnings: BDT71.3 Mil
  • GF Value™: BDT25.32 vs. price of BDT37.20 (46.9% above fair value)
  • GF Score™: 59/100 with 7 warning signs

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


Islami Commercial Insurance Business Description

Address 90/1, Motijheel C/A, City Center, Level-16, Own Space, Dhaka, BGD, 1000
Islami Commercial Insurance PLC provides the service of non-life (general) insurance solutions such as Fire, Motor, Marine or Miscellaneous Insurance to clients with maximum area coverage. Miscellaneous Insurance includes Burglary Insurance, Fidelity Guarantee, Workmen's Compensation, Personal Accident, Product liability Insurance Policy, and others. The company has four primary business segments for reporting purposes, namely fire, marine, motor, and miscellaneous.
59GF Score

Get the complete analysis for DHA:ICICL

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

BDT37.20
Price
BDT25.32
GF Value