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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Optasia's retained earnings for the quarter that ended in Dec. 2025 was R1,395 Mil.
Optasia's quarterly retained earnings
increased
from Dec. 2024 (R1,021 Mil) to Jun. 2025 (R1,103 Mil) and
increased
from Jun. 2025 (R1,103 Mil) to Dec. 2025 (R1,395 Mil).
Optasia's annual retained earnings
increased
from Dec. 2023 (R732 Mil) to Dec. 2024 (R1,021 Mil) and
increased
from Dec. 2024 (R1,021 Mil) to Dec. 2025 (R1,395 Mil).
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.
Optasia Retained Earnings Historical Data
* Premium members only.
The historical data trend for Optasia'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.
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.
Optasia (JSE:OPA) has a Retained Earnings of R1,395 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Optasia and its competitors.
Is Optasia's Retained Earnings too high?
Optasia's current Retained Earnings is R1,395 Mil. Overall, Optasia has a GF Score™ of 22/100, reflecting its overall financial health beyond just this single metric.
How does Optasia's Retained Earnings compare to V and MA?
Optasia's Retained Earnings of R1,395 Mil can be compared against companies in the Credit Services 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 Credit Services company?
A good Retained Earnings depends on the Credit Services 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 Optasia and its competitors. Optasia's current Retained Earnings is R1,395 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Optasia stock overvalued right now?
Optasia (JSE:OPA) has a current Retained Earnings of R1,395 Mil. The current Retained Earnings is R1,395 Mil. Optasia's overall GF Score™ is 22/100 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 Optasia (JSE:OPA), the current Retained Earnings is R1,395 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.
Optasia is an AI-powered fintech platform operating a B2B2X model that enables financial institutions, mobile network operators, wallets and digital distributors to offer digital credit products through their customer channels. The Group provides AI-driven decisioning, technology integration and risk management capabilities across emerging markets. Its core business lines are Micro Financing Solutions (MFS), which provides short-duration digital lending through mobile wallet ecosystems, and Airtime Credit Solutions (ACS), which offers airtime, data and bundle advance solutions through mobile network operator channels. Products include XTRA Cash, XTRA Balance, XTRA Time, XTRA, XTRA Bundle and XTRA Buy. It operates across Africa, the Middle East and other countries.
22GF Score
Get the complete analysis for JSE:OPA
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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