OUTsurance Group (JSE:OUT) Retained Earnings: R3,597 Mil (As of Dec. 2025)


JSE:OUT OUTsurance Group Ltd JSE:OUT
65 GF Score
Price R78.44
GF Value R46.32
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is OUTsurance Group Retained Earnings?

OUTsurance Group JSE:OUT -2.43% 65 Retained Earnings is R3,597 Mil as of Dec. 2025. GuruFocus rates JSE:OUT with a GF Score™ of 65/100 and a GF Value™ of R46.32 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. OUTsurance Group's retained earnings for the quarter that ended in Dec. 2025 was R3,597 Mil.

OUTsurance Group's quarterly retained earnings increased from Dec. 2024 (R2,928 Mil) to Jun. 2025 (R4,226 Mil) but then declined from Jun. 2025 (R4,226 Mil) to Dec. 2025 (R3,597 Mil).

OUTsurance Group's annual retained earnings increased from Jun. 2023 (R1,567 Mil) to Jun. 2024 (R3,289 Mil) and increased from Jun. 2024 (R3,289 Mil) to Jun. 2025 (R4,226 Mil).


OUTsurance Group  (JSE:OUT) 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.


OUTsurance Group Retained Earnings Historical Data

* Premium members only.

The historical data trend for OUTsurance Group'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.

OUTsurance Group Retained Earnings Chart

OUTsurance Group Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 14,927.00 106.00 1,567.00 3,289.00 4,226.00

OUTsurance Group 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 0.00 3,289.00 2,928.00 4,226.00 3,597.00
JSE:OUT
65GF Score
OUTsurance Group Ltd JSE:OUT
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

OUTsurance Group 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 R3,597 Mil mean?
OUTsurance Group (JSE:OUT) has a Retained Earnings of R3,597 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on OUTsurance Group and its competitors.
Is OUTsurance Group's Retained Earnings too high?
OUTsurance Group's current Retained Earnings is R3,597 Mil. Overall, OUTsurance Group has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OUTsurance Group's Retained Earnings compare to BRK.A and AIG?
OUTsurance Group's Retained Earnings of R3,597 Mil can be compared against companies in the Insurance 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 an Insurance company?
A good Retained Earnings depends on the Insurance 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 OUTsurance Group and its competitors. OUTsurance Group's current Retained Earnings is R3,597 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OUTsurance Group stock overvalued right now?
Based on GuruFocus' analysis, OUTsurance Group (JSE:OUT) is currently considered Significantly Overvalued. The stock's GF Value™ is R46.32, compared to a current price of R78.44 — trading 69.3% above its estimated fair value. The current Retained Earnings is R3,597 Mil. OUTsurance Group's overall GF Score™ is 65/100 with 3 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 OUTsurance Group (JSE:OUT), the current Retained Earnings is R3,597 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 OUTsurance Group (JSE:OUT) Overvalued in 2026?

Based on GuruFocus' analysis, OUTsurance Group stock appears to be overvalued. The current stock price of R78.44 is trading 69.3% above its estimated GF Value™ of R46.32. GuruFocus considers OUTsurance Group to be Significantly Overvalued.

Key valuation signals for JSE:OUT:

  • Retained Earnings: R3,597 Mil
  • GF Value™: R46.32 vs. price of R78.44 (69.3% above fair value)
  • GF Score™: 65/100 with 3 warning signs

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


OUTsurance Group Business Description

Address 1241 Embankment Road, Zwartkop Extension 7, Centurion, GT, ZAF, 0157
OUTsurance Group Ltd is an insurance group that specialises in Property and Casualty insurance. Its main segments include personal insurance, business insurance, compulsory third-party vehicle insurance, life insurance, and administration services. The company provides motor, home, business, life, funeral, and pet insurance products through its subsidiaries. The company's primary source of revenue is insurance premiums. The group's activities are focused on the South African, Australian and Irish markets.
65GF Score

Get the complete analysis for JSE:OUT

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

R78.44
Price
R46.32
GF Value