National Life Insurance (DHA:NATLIFEINS) Retained Earnings: BDT482 Mil (As of Jun. 2026)

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DHA:NATLIFEINS National Life Insurance PLC DHA:NATLIFEINS
78 GF Score
Price BDT105.10
GF Value BDT132.35
Valuation Modestly Undervalued
! 2 Warning Signs
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What is National Life Insurance Retained Earnings?

National Life Insurance DHA:NATLIFEINS +0.19% 78 Retained Earnings is BDT482 Mil as of Jun. 2026. GuruFocus rates DHA:NATLIFEINS with a GF Score™ of 78/100 and a GF Value™ of BDT132.35 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. National Life Insurance's retained earnings for the quarter that ended in Jun. 2026 was BDT482 Mil.

National Life Insurance's quarterly retained earnings increased from Dec. 2025 (BDT462 Mil) to Mar. 2026 (BDT466 Mil) and increased from Mar. 2026 (BDT466 Mil) to Jun. 2026 (BDT482 Mil).

National Life Insurance's annual retained earnings increased from Dec. 2023 (BDT438 Mil) to Dec. 2024 (BDT464 Mil) but then declined from Dec. 2024 (BDT464 Mil) to Dec. 2025 (BDT462 Mil).


National Life Insurance  (DHA:NATLIFEINS) 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.


National Life Insurance Retained Earnings Historical Data

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The historical data trend for National Life 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.

National Life Insurance Retained Earnings Chart

National Life Insurance 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 384.26 442.95 438.15 463.69 461.72

National Life Insurance Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 466.71 458.78 461.72 466.43 482.47
DHA:NATLIFEINS
78GF Score
National Life Insurance PLC DHA:NATLIFEINS
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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National Life 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 BDT482 Mil mean?
National Life Insurance (DHA:NATLIFEINS) has a Retained Earnings of BDT482 Mil as of Jun. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on National Life Insurance and its competitors.
Is National Life Insurance's Retained Earnings too high?
National Life Insurance's current Retained Earnings is BDT482 Mil. Overall, National Life Insurance has a GF Score™ of 78/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does National Life Insurance's Retained Earnings compare to AFL and MET?
National Life Insurance's Retained Earnings of BDT482 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 National Life Insurance and its competitors. National Life Insurance's current Retained Earnings is BDT482 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Life Insurance stock overvalued right now?
Based on GuruFocus' analysis, National Life Insurance (DHA:NATLIFEINS) is currently considered Modestly Undervalued. The stock's GF Value™ is BDT132.35, compared to a current price of BDT105.10 — trading 20.6% below its estimated fair value. The current Retained Earnings is BDT482 Mil. National Life Insurance's overall GF Score™ is 78/100 with 2 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 National Life Insurance (DHA:NATLIFEINS), the current Retained Earnings is BDT482 Mil as of Jun. 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 National Life Insurance (DHA:NATLIFEINS) Overvalued in 2026?

Based on GuruFocus' analysis, National Life Insurance stock appears to be undervalued. The current stock price of BDT105.10 is trading 20.6% below its estimated GF Value™ of BDT132.35. GuruFocus considers National Life Insurance to be Modestly Undervalued.

Key valuation signals for DHA:NATLIFEINS:

  • Retained Earnings: BDT482 Mil
  • GF Value™: BDT132.35 vs. price of BDT105.10 (20.6% below fair value)
  • GF Score™: 78/100 with 2 warning signs

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


National Life Insurance Business Description

Address 54-55, Kazi Nazrul Islam Avenue, Karwan Bazar, NLI Tower, Dhaka, BGD, 1215
National Life Insurance PLC, formerly National Life Insurance Co Ltd is a private sector indigenous life insurance company. It provides multifarious life assurance products that cater to the aspirations and needs as well as the religious beliefs of the clients. The company operates through the following divisions based on the type of insurance products offered; Individual Life Insurance, Group Life Insurance, Bangabandhu Shikkha Bima, Personal Accidental Insurance and Bancassurance. It generates maximum revenue from the Ordinary Life Insurance business.
78GF Score

Get the complete analysis for DHA:NATLIFEINS

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

BDT105.10
Price
BDT132.35
GF Value