Austriacard Holdings AG (FRA:ACQ0) Retained Earnings: €47.5 Mil (As of Dec. 2025)

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FRA:ACQ0 Austriacard Holdings AG FRA:ACQ0
85 GF Score
Price €9.60
GF Value €5.95
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Austriacard Holdings AG Retained Earnings?

Austriacard Holdings AG FRA:ACQ0 85 Retained Earnings is €47.5 Mil as of Dec. 2025. GuruFocus rates FRA:ACQ0 with a GF Score™ of 85/100 and a GF Value™ of €5.95 (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. Austriacard Holdings AG's retained earnings for the quarter that ended in Dec. 2025 was €47.5 Mil.

Austriacard Holdings AG's quarterly retained earnings increased from Jun. 2025 (€33.8 Mil) to Sep. 2025 (€41.2 Mil) and increased from Sep. 2025 (€41.2 Mil) to Dec. 2025 (€47.5 Mil).

Austriacard Holdings AG's annual retained earnings increased from Dec. 2023 (€20.0 Mil) to Dec. 2024 (€37.4 Mil) and increased from Dec. 2024 (€37.4 Mil) to Dec. 2025 (€47.5 Mil).


Austriacard Holdings AG  (FRA:ACQ0) 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.


Austriacard Holdings AG Retained Earnings Historical Data

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The historical data trend for Austriacard Holdings AG'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.

Austriacard Holdings AG Retained Earnings Chart

Austriacard Holdings AG Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial 27.31 10.83 20.00 37.39 47.51

Austriacard Holdings AG Quarterly Data
Dec19 Dec20 Dec21 Jun22 Dec22 Jun23 Dec23 Mar24 Jun24 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 37.39 37.71 33.80 41.19 47.51
FRA:ACQ0
85GF Score
Austriacard Holdings AG FRA:ACQ0
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Austriacard Holdings AG 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 €47.5 Mil mean?
Austriacard Holdings AG (FRA:ACQ0) has a Retained Earnings of €47.5 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Austriacard Holdings AG and its competitors.
Is Austriacard Holdings AG's Retained Earnings too high?
Austriacard Holdings AG's current Retained Earnings is €47.5 Mil. Overall, Austriacard Holdings AG has a GF Score™ of 85/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Austriacard Holdings AG's Retained Earnings compare to IBM and ACN?
Austriacard Holdings AG's Retained Earnings of €47.5 Mil can be compared against companies in the Software 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 Software company?
A good Retained Earnings depends on the Software 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 Austriacard Holdings AG and its competitors. Austriacard Holdings AG's current Retained Earnings is €47.5 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Austriacard Holdings AG stock overvalued right now?
Based on GuruFocus' analysis, Austriacard Holdings AG (FRA:ACQ0) is currently considered Significantly Overvalued. The stock's GF Value™ is €5.95, compared to a current price of €9.60 — trading 61.3% above its estimated fair value. The current Retained Earnings is €47.5 Mil. Austriacard Holdings AG's overall GF Score™ is 85/100 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 Austriacard Holdings AG (FRA:ACQ0), the current Retained Earnings is €47.5 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 Austriacard Holdings AG (FRA:ACQ0) Overvalued in 2026?

Based on GuruFocus' analysis, Austriacard Holdings AG stock appears to be overvalued. The current stock price of €9.60 is trading 61.3% above its estimated GF Value™ of €5.95. GuruFocus considers Austriacard Holdings AG to be Significantly Overvalued.

Key valuation signals for FRA:ACQ0:

  • Retained Earnings: €47.5 Mil
  • GF Value™: €5.95 vs. price of €9.60 (61.3% above fair value)
  • GF Score™: 85/100 with 6 warning signs

No single metric tells the full story. See the FRA:ACQ0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Austriacard Holdings AG Business Description

Other Exchanges ACAG:GreeceACAG:Austria
Address Lamezanstrasse 4-8, Vienna, AUT, 1230
Austriacard Holdings AG is a holistic applied technology company powered by artificial intelligence (AI). The Group's portfolio includes a wide range of solutions that demonstrate synergies across product lines. These include Identity & Payment Solutions, Digital Technologies, and Document Lifecycle Management. These solutions are offered to financial institutions, public and private sectors. The Group is now organized into three geographic segments: Central, Eastern Europe and DACH (CEE); Western Europe, Nordics and Americas (WEST); and Turkiye, Middle East and Africa (MEA). It derives maximum revenue from Central, Eastern Europe and DACH (CEE) segment. The solutions include: Payment Cards & Services, eGovernment & Authentication, Document Lifecycle Management, Book on Demand and Others.
85GF Score

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

€9.60
Price
€5.95
GF Value