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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. IDLC Finance's retained earnings for the quarter that ended in Mar. 2026 was BDT9,936 Mil.
IDLC Finance's quarterly retained earnings
increased
from Sep. 2025 (BDT9,127 Mil) to Dec. 2025 (BDT9,377 Mil) and
increased
from Dec. 2025 (BDT9,377 Mil) to Mar. 2026 (BDT9,936 Mil).
IDLC Finance's annual retained earnings
increased
from Dec. 2023 (BDT7,781 Mil) to Dec. 2024 (BDT8,746 Mil) and
increased
from Dec. 2024 (BDT8,746 Mil) to Dec. 2025 (BDT9,377 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.
IDLC Finance Retained Earnings Historical Data
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The historical data trend for IDLC 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 BDT9,936 Mil mean?
IDLC Finance (DHA:IDLC) has a Retained Earnings of BDT9,936 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on IDLC Finance and its competitors.
Is IDLC Finance's Retained Earnings too high?
IDLC Finance's current Retained Earnings is BDT9,936 Mil. Overall, IDLC Finance has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does IDLC Finance's Retained Earnings compare to V and MA?
IDLC Finance's Retained Earnings of BDT9,936 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 IDLC Finance and its competitors. IDLC Finance's current Retained Earnings is BDT9,936 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IDLC Finance stock overvalued right now?
Based on GuruFocus' analysis, IDLC Finance (DHA:IDLC) is currently considered Fairly Valued. The stock's GF Value™ is BDT45.69, compared to a current price of BDT43.90 — trading 3.9% below its estimated fair value. The current Retained Earnings is BDT9,936 Mil. IDLC Finance's overall GF Score™ is 88/100 with 4 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 IDLC Finance (DHA:IDLC), the current Retained Earnings is BDT9,936 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 IDLC Finance (DHA:IDLC) Overvalued in 2026?
Based on GuruFocus' analysis, IDLC Finance stock appears to be undervalued.
The current stock price of BDT43.90 is trading 3.9% below its estimated GF Value™ of BDT45.69.
GuruFocus considers IDLC Finance to be Fairly Valued.
Key valuation signals for DHA:IDLC:
Retained Earnings: BDT9,936 Mil
GF Value™: BDT45.69 vs. price of BDT43.90 (3.9% below fair value)
No single metric tells the full story. See the DHA:IDLC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IDLC Finance PLC is a multiproduct financial institution with its presence in Corporate, SME, and Retail segments. The group provides diversified loan products to small businesses and women entrepreneurs, home loans, and loan solutions to corporate clients, including providing a green banking solution. Along with its subsidiaries, the company operates in the following segments: Core financing, Investment banking, Brokerage, and Asset Management businesses. The majority of its revenue is generated from the Core financing business segment. Geographically, it operates in Bangladesh.
88GF Score
Get the complete analysis for DHA:IDLC
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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