Postalvings Bank Of China Co (FRA:3YB) Retained Earnings: €34,598 Mil (As of Dec. 2025)

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Director of Data and Quant Analytics at GuruFocus
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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.

FRA:3YB Postal Savings Bank Of China Co Ltd FRA:3YB
76 GF Score
Price €0.52
GF Value €0.55
Valuation Fairly Valued
! 4 Warning Signs
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What is Postalvings Bank Of China Co Retained Earnings?

Postalvings Bank Of China Co FRA:3YB +0.54% 76 Retained Earnings is €34,598 Mil as of Dec. 2025. GuruFocus rates FRA:3YB with a GF Score™ of 76/100 and a GF Value™ of €0.55 (Fairly Valued). The stock has 4 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Postalvings Bank Of China Co's retained earnings for the quarter that ended in Dec. 2025 was €34,598 Mil.

Postalvings Bank Of China Co's quarterly retained earnings increased from Jun. 2025 (€35,624 Mil) to Sep. 2025 (€38,550 Mil) but then declined from Sep. 2025 (€38,550 Mil) to Dec. 2025 (€34,598 Mil).

Postalvings Bank Of China Co's annual retained earnings increased from Dec. 2023 (€32,018 Mil) to Dec. 2024 (€34,542 Mil) and increased from Dec. 2024 (€34,542 Mil) to Dec. 2025 (€34,598 Mil).


Postalvings Bank Of China Co  (FRA:3YB) 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.


Postalvings Bank Of China Co Retained Earnings Historical Data

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The historical data trend for Postalvings Bank Of China Co'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.

Postalvings Bank Of China Co Retained Earnings Chart

Postalvings Bank Of China Co 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 27,628.37 30,492.57 32,017.56 34,542.36 34,598.20

Postalvings Bank Of China Co Quarterly Data
Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
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 34,542.36 36,034.46 35,624.23 38,549.73 34,598.20
FRA:3YB
76GF Score
Postal Savings Bank Of China Co Ltd FRA:3YB
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Postalvings Bank Of China Co 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 €34,598 Mil mean?
Postalvings Bank Of China Co (FRA:3YB) has a Retained Earnings of €34,598 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Postalvings Bank Of China Co and its competitors.
Is Postalvings Bank Of China Co's Retained Earnings too high?
Postalvings Bank Of China Co's current Retained Earnings is €34,598 Mil. Overall, Postalvings Bank Of China Co has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Postalvings Bank Of China Co's Retained Earnings compare to competitors?
Postalvings Bank Of China Co's Retained Earnings of €34,598 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 Postalvings Bank Of China Co and its competitors. Postalvings Bank Of China Co's current Retained Earnings is €34,598 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Postalvings Bank Of China Co stock overvalued right now?
Based on GuruFocus' analysis, Postalvings Bank Of China Co (FRA:3YB) is currently considered Fairly Valued. The stock's GF Value™ is €0.55, compared to a current price of €0.52 — trading 5.3% below its estimated fair value. The current Retained Earnings is €34,598 Mil. Postalvings Bank Of China Co's overall GF Score™ is 76/100 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 Postalvings Bank Of China Co (FRA:3YB), the current Retained Earnings is €34,598 Mil as of Dec. 2025. 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 Postalvings Bank Of China Co (FRA:3YB) Overvalued in 2026?

Based on GuruFocus' analysis, Postalvings Bank Of China Co stock appears to be undervalued. The current stock price of €0.52 is trading 5.3% below its estimated GF Value™ of €0.55. GuruFocus considers Postalvings Bank Of China Co to be Fairly Valued.

Key valuation signals for FRA:3YB:

  • Retained Earnings: €34,598 Mil
  • GF Value™: €0.55 vs. price of €0.52 (5.3% below fair value)
  • GF Score™: 76/100 with 4 warning signs

No single metric tells the full story. See the FRA:3YB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Postalvings Bank Of China Co Business Description

Address No. 3 Financial Street, Xicheng District, Beijing, CHN, 100808
Postal Savings Bank of China Co Ltd is a banking group conducting its operating activities in the People's Republic of China (PRC), and the principal activities include: personal and corporate financial services, treasury operations, and other business activities. The Group's main operating segments are: Personal banking, Corporate banking, Treasury, and Others. The majority of its revenue is generated from the Personal and Corporate banking businesses, which provide various financial products and services to individuals, corporations, government agencies, and financial institutions. The various services offered include current account settlement, deposits, personal loans, credit cards and debit cards, foreign currency, and wealth management products, etc.
76GF Score

Get the complete analysis for FRA:3YB

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

€0.52
Price
€0.55
GF Value