IFIC Bank (DHA:IFIC) Retained Earnings: BDT-28,328.98 Mil (As of Mar. 2026)

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DHA:IFIC IFIC Bank PLC DHA:IFIC
39 GF Score
Price BDT5.00
GF Value BDT3.05
Valuation Significantly Overvalued
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What is IFIC Bank Retained Earnings?

IFIC Bank DHA:IFIC 39 Retained Earnings is BDT-28,328.98 Mil as of Mar. 2026. GuruFocus rates DHA:IFIC with a GF Score™ of 39/100 and a GF Value™ of BDT3.05 (Significantly Overvalued).

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. IFIC Bank's retained earnings for the quarter that ended in Mar. 2026 was BDT-28,328.98 Mil.

IFIC Bank's quarterly retained earnings declined from Sep. 2025 (BDT-12,172.85 Mil) to Dec. 2025 (BDT-19,709.16 Mil) and declined from Dec. 2025 (BDT-19,709.16 Mil) to Mar. 2026 (BDT-28,328.98 Mil).

IFIC Bank's annual retained earnings declined from Dec. 2023 (BDT8,049.83 Mil) to Dec. 2024 (BDT5,890.44 Mil) and declined from Dec. 2024 (BDT5,890.44 Mil) to Dec. 2025 (BDT-19,709.16 Mil).


IFIC Bank  (DHA:IFIC) 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.


IFIC Bank Retained Earnings Historical Data

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The historical data trend for IFIC Bank'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.

IFIC Bank Retained Earnings Chart

IFIC Bank 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 5,060.97 6,708.86 8,049.83 5,890.44 -19,709.16

IFIC Bank 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 893.57 -5,393.47 -12,172.85 -19,709.16 -28,328.98
DHA:IFIC
39GF Score
IFIC Bank PLC DHA:IFIC
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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IFIC Bank 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 BDT-28,328.98 Mil mean?
IFIC Bank (DHA:IFIC) has a Retained Earnings of BDT-28,328.98 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on IFIC Bank and its competitors.
Is IFIC Bank's Retained Earnings too high?
IFIC Bank's current Retained Earnings is BDT-28,328.98 Mil. Overall, IFIC Bank has a GF Score™ of 39/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IFIC Bank's Retained Earnings compare to competitors?
IFIC Bank's Retained Earnings of BDT-28,328.98 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 IFIC Bank and its competitors. IFIC Bank's current Retained Earnings is BDT-28,328.98 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IFIC Bank stock overvalued right now?
Based on GuruFocus' analysis, IFIC Bank (DHA:IFIC) is currently considered Significantly Overvalued. The stock's GF Value™ is BDT3.05, compared to a current price of BDT5.00 — trading 63.9% above its estimated fair value. The current Retained Earnings is BDT-28,328.98 Mil. IFIC Bank's overall GF Score™ is 39/100. 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 IFIC Bank (DHA:IFIC), the current Retained Earnings is BDT-28,328.98 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 IFIC Bank (DHA:IFIC) Overvalued in 2026?

Based on GuruFocus' analysis, IFIC Bank stock appears to be overvalued. The current stock price of BDT5.00 is trading 63.9% above its estimated GF Value™ of BDT3.05. GuruFocus considers IFIC Bank to be Significantly Overvalued.

Key valuation signals for DHA:IFIC:

  • Retained Earnings: BDT-28,328.98 Mil
  • GF Value™: BDT3.05 vs. price of BDT5.00 (63.9% above fair value)
  • GF Score™: 39/100

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


IFIC Bank Business Description

Address 61 Purana Paltan, GPO Box : 2229, IFIC Tower, Dhaka, BGD, 1000
IFIC Bank PLC is a commercial banking company in Bangladesh. The company provides corporate banking, retail banking internet banking, and SME banking. The company is also engaged in Treasury and capital market offering Cash Management, Liquidity Planning, Liquidity Protection, Trading of Foreign Exchange and Money Market Instruments, and Risk Management. Its segments are Corporate; SME; Short term Agri credit; Consumer and Others. It derives interest income from the Conventional banking unit and Off-Shore banking unit.
39GF Score

Get the complete analysis for DHA:IFIC

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

BDT5.00
Price
BDT3.05
GF Value