Yapi Ve Kredi Bankasi AS (HAM:YKS) Retained Earnings: €613 Mil (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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HAM:YKS Yapi Ve Kredi Bankasi AS HAM:YKS
73 GF Score
Price €3.72
GF Value €4.94
! 2 Warning Signs
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What is Yapi Ve Kredi Bankasi AS Retained Earnings?

Yapi Ve Kredi Bankasi AS HAM:YKS 73 Retained Earnings is €613 Mil as of Jun. 2026. GuruFocus rates HAM:YKS with a GF Score™ of 73/100 and a GF Value™ of €4.94. The stock has 2 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Yapi Ve Kredi Bankasi AS's retained earnings for the quarter that ended in Jun. 2026 was €613 Mil.

Yapi Ve Kredi Bankasi AS's quarterly retained earnings declined from Dec. 2025 (€976 Mil) to Mar. 2026 (€430 Mil) but then increased from Mar. 2026 (€430 Mil) to Jun. 2026 (€613 Mil).

Yapi Ve Kredi Bankasi AS's annual retained earnings declined from Dec. 2023 (€2,196 Mil) to Dec. 2024 (€837 Mil) but then increased from Dec. 2024 (€837 Mil) to Dec. 2025 (€976 Mil).


Yapi Ve Kredi Bankasi AS  (HAM:YKS) 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.


Yapi Ve Kredi Bankasi AS Retained Earnings Historical Data

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The historical data trend for Yapi Ve Kredi Bankasi AS'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.

Yapi Ve Kredi Bankasi AS Retained Earnings Chart

Yapi Ve Kredi Bankasi AS 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 791.79 2,751.68 2,196.43 837.28 975.84

Yapi Ve Kredi Bankasi AS 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 536.93 814.19 975.84 429.82 613.16
HAM:YKS
73GF Score
Yapi Ve Kredi Bankasi AS HAM:YKS
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Yapi Ve Kredi Bankasi AS 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 €613 Mil mean?
Yapi Ve Kredi Bankasi AS (HAM:YKS) has a Retained Earnings of €613 Mil as of Jun. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Yapi Ve Kredi Bankasi AS and its competitors.
Is Yapi Ve Kredi Bankasi AS's Retained Earnings too high?
Yapi Ve Kredi Bankasi AS's current Retained Earnings is €613 Mil. Overall, Yapi Ve Kredi Bankasi AS has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does Yapi Ve Kredi Bankasi AS's Retained Earnings compare to competitors?
Yapi Ve Kredi Bankasi AS's Retained Earnings of €613 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 Yapi Ve Kredi Bankasi AS and its competitors. Yapi Ve Kredi Bankasi AS's current Retained Earnings is €613 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yapi Ve Kredi Bankasi AS stock overvalued right now?
Yapi Ve Kredi Bankasi AS (HAM:YKS) has a current Retained Earnings of €613 Mil. The stock's GF Value™ is €4.94, compared to a current price of €3.72 — trading 24.7% below its estimated fair value. The current Retained Earnings is €613 Mil. Yapi Ve Kredi Bankasi AS's overall GF Score™ is 73/100 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 Yapi Ve Kredi Bankasi AS (HAM:YKS), the current Retained Earnings is €613 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 Yapi Ve Kredi Bankasi AS (HAM:YKS) Overvalued in 2026?

Based on GuruFocus' analysis, Yapi Ve Kredi Bankasi AS stock appears to be undervalued. The current stock price of €3.72 is trading 24.7% below its estimated GF Value™ of €4.94.

Key valuation signals for HAM:YKS:

  • Retained Earnings: €613 Mil
  • GF Value™: €4.94 vs. price of €3.72 (24.7% below fair value)
  • GF Score™: 73/100 with 2 warning signs

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


Yapi Ve Kredi Bankasi AS Business Description

Other Exchanges YKBNK:Turkey
Address Yap Kredi Plaza D Blok Levent, Istanbul, TUR, 34330
Yapi Ve Kredi Bankasi AS is a private capital commercial bank authorised to perform all banking, economic, financial and commercial activities. The company's operating segments are Retail Banking, Corporate Banking, Commercial and SME Banking, Treasury asset-liability management and other. The company generates majority of revenue from retail Banking activities which include card payment systems, individual, individual portfolio, blue class, private banking. Retail Banking products and services offered to customers include card payment systems, consumer loans, commercial installment loans, time and demand deposits, gold banking, investment accounts, life and non-life insurance products and payroll services. It generates majority of income from Domestic country.
73GF Score

Get the complete analysis for HAM:YKS

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

€3.72
Price
€4.94
GF Value