Harbin Bank Co (FRA:5H6) Retained Earnings: €2,119 Mil (As of Dec. 2025)

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FRA:5H6 Harbin Bank Co Ltd FRA:5H6
41 GF Score
Price €0.03
GF Value €0.03
Valuation Fairly Valued
! 4 Warning Signs
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What is Harbin Bank Co Retained Earnings?

Harbin Bank Co FRA:5H6 41 Retained Earnings is €2,119 Mil as of Dec. 2025. GuruFocus rates FRA:5H6 with a GF Score™ of 41/100 and a GF Value™ of €0.03 (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. Harbin Bank Co's retained earnings for the quarter that ended in Dec. 2025 was €2,119 Mil.

Harbin Bank Co's quarterly retained earnings declined from Dec. 2024 (€2,376 Mil) to Jun. 2025 (€2,124 Mil) and declined from Jun. 2025 (€2,124 Mil) to Dec. 2025 (€2,119 Mil).

Harbin Bank Co's annual retained earnings declined from Dec. 2023 (€2,409 Mil) to Dec. 2024 (€2,376 Mil) and declined from Dec. 2024 (€2,376 Mil) to Dec. 2025 (€2,119 Mil).


Harbin Bank Co  (FRA:5H6) 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.


Harbin Bank Co Retained Earnings Historical Data

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The historical data trend for Harbin Bank 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.

Harbin Bank Co Retained Earnings Chart

Harbin Bank 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 2,677.72 2,568.78 2,409.37 2,376.33 2,119.38

Harbin Bank Co Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 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 2,409.37 2,333.80 2,376.33 2,124.42 2,119.38
FRA:5H6
41GF Score
Harbin Bank Co Ltd FRA:5H6
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Harbin Bank 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 €2,119 Mil mean?
Harbin Bank Co (FRA:5H6) has a Retained Earnings of €2,119 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Harbin Bank Co and its competitors.
Is Harbin Bank Co's Retained Earnings too high?
Harbin Bank Co's current Retained Earnings is €2,119 Mil. Overall, Harbin Bank Co has a GF Score™ of 41/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Harbin Bank Co's Retained Earnings compare to competitors?
Harbin Bank Co's Retained Earnings of €2,119 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 Harbin Bank Co and its competitors. Harbin Bank Co's current Retained Earnings is €2,119 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Harbin Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Harbin Bank Co (FRA:5H6) is currently considered Fairly Valued. The stock's GF Value™ is €0.03, compared to a current price of €0.03 — trading 6.7% above its estimated fair value. The current Retained Earnings is €2,119 Mil. Harbin Bank Co's overall GF Score™ is 41/100 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 Harbin Bank Co (FRA:5H6), the current Retained Earnings is €2,119 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 Harbin Bank Co (FRA:5H6) Overvalued in 2026?

Based on GuruFocus' analysis, Harbin Bank Co stock appears to be overvalued. The current stock price of €0.03 is trading 6.7% above its estimated GF Value™ of €0.03. GuruFocus considers Harbin Bank Co to be Fairly Valued.

Key valuation signals for FRA:5H6:

  • Retained Earnings: €2,119 Mil
  • GF Value™: €0.03 vs. price of €0.03 (6.7% above fair value)
  • GF Score™: 41/100 with 4 warning signs

No single metric tells the full story. See the FRA:5H6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Harbin Bank Co Business Description

Other Exchanges 06138:Hong Kong
Address No. 888 Shangjiang Street, Daoli District, Heilongjiang Province, Harbin, CHN, 150010
Harbin Bank Co Ltd provides deposit services, loan services, payment and settlement services and financial leasing services, as well as other financial services approved by the NFRA. Its segments include Corporate financial business, Retail financial business, Interbank financial business, and Other business. The majority of the revenue is derived from Corporate financial business which provides financial products and services to corporate customers, including deposits, loans, settlement and clearing and other products and services relating to the trading business. Its geographical segments include Heilongjiang region, Other regions in Northeastern China, Southwestern China, and Other regions.
41GF Score

Get the complete analysis for FRA:5H6

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

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