IPDC Finance (DHA:IPDC) Retained Earnings: BDT1,054 Mil (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

DHA:IPDC IPDC Finance PLC DHA:IPDC
63 GF Score
Price BDT32.60
GF Value BDT22.65
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is IPDC Finance Retained Earnings?

IPDC Finance DHA:IPDC -2.10% 63 Retained Earnings is BDT1,054 Mil as of Mar. 2026. GuruFocus rates DHA:IPDC with a GF Score™ of 63/100 and a GF Value™ of BDT22.65 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. IPDC Finance's retained earnings for the quarter that ended in Mar. 2026 was BDT1,054 Mil.

IPDC Finance's quarterly retained earnings increased from Sep. 2025 (BDT890 Mil) to Dec. 2025 (BDT988 Mil) and increased from Dec. 2025 (BDT988 Mil) to Mar. 2026 (BDT1,054 Mil).

IPDC Finance's annual retained earnings declined from Dec. 2023 (BDT1,117 Mil) to Dec. 2024 (BDT1,018 Mil) and declined from Dec. 2024 (BDT1,018 Mil) to Dec. 2025 (BDT988 Mil).


IPDC Finance  (DHA:IPDC) 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.


IPDC Finance Retained Earnings Historical Data

* Premium members only.

The historical data trend for IPDC 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.

IPDC Finance Retained Earnings Chart

IPDC Finance 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 953.23 1,224.33 1,116.99 1,017.81 988.15

IPDC Finance 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 1,054.33 778.62 890.30 988.15 1,053.62
DHA:IPDC
63GF Score
IPDC Finance PLC DHA:IPDC
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

IPDC Finance 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 BDT1,054 Mil mean?
IPDC Finance (DHA:IPDC) has a Retained Earnings of BDT1,054 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on IPDC Finance and its competitors.
Is IPDC Finance's Retained Earnings too high?
IPDC Finance's current Retained Earnings is BDT1,054 Mil. Overall, IPDC Finance has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IPDC Finance's Retained Earnings compare to V and MA?
IPDC Finance's Retained Earnings of BDT1,054 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 IPDC Finance and its competitors. IPDC Finance's current Retained Earnings is BDT1,054 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IPDC Finance stock overvalued right now?
Based on GuruFocus' analysis, IPDC Finance (DHA:IPDC) is currently considered Significantly Overvalued. The stock's GF Value™ is BDT22.65, compared to a current price of BDT32.60 — trading 43.9% above its estimated fair value. The current Retained Earnings is BDT1,054 Mil. IPDC Finance's overall GF Score™ is 63/100 with 6 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 IPDC Finance (DHA:IPDC), the current Retained Earnings is BDT1,054 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 IPDC Finance (DHA:IPDC) Overvalued in 2026?

Based on GuruFocus' analysis, IPDC Finance stock appears to be overvalued. The current stock price of BDT32.60 is trading 43.9% above its estimated GF Value™ of BDT22.65. GuruFocus considers IPDC Finance to be Significantly Overvalued.

Key valuation signals for DHA:IPDC:

  • Retained Earnings: BDT1,054 Mil
  • GF Value™: BDT22.65 vs. price of BDT32.60 (43.9% above fair value)
  • GF Score™: 63/100 with 6 warning signs

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


IPDC Finance Business Description

Address 106, Gulshan Avenue, Hosna Centre, 4th Floor, Dhaka, BGD, 1212
IPDC Finance PLC has diversified its product portfolio and evolved as multiproduct financial institution that is specialised in providing long term and short term finance, project finance, lease finance, supply chain finance, home loan, equity financing, syndication finance, retail finance, Small & Medium Enterprises (SME) finance, asset backed securitisation, retailer finance, factoring finance, and related consultancies. Its segments are Corporate, SME & Emerging, Corporate, and Retail Treasury. The company generates majority of revenue from Corporate segment.
63GF Score

Get the complete analysis for DHA:IPDC

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

BDT32.60
Price
BDT22.65
GF Value