MCB Bank (KAR:MCB) Retained Earnings: ₨138,362 Mil (As of Mar. 2026)

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KAR:MCB MCB Bank Ltd KAR:MCB
64 GF Score
Price ₨406.88
GF Value ₨233.11
Valuation Significantly Overvalued
! 8 Warning Signs
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What is MCB Bank Retained Earnings?

MCB Bank KAR:MCB -0.55% 64 Retained Earnings is ₨138,362 Mil as of Mar. 2026. GuruFocus rates KAR:MCB with a GF Score™ of 64/100 and a GF Value™ of ₨233.11 (Significantly Overvalued). The stock has 8 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. MCB Bank's retained earnings for the quarter that ended in Mar. 2026 was ₨138,362 Mil.

MCB Bank's quarterly retained earnings increased from Sep. 2025 (₨131,822 Mil) to Dec. 2025 (₨136,069 Mil) and increased from Dec. 2025 (₨136,069 Mil) to Mar. 2026 (₨138,362 Mil).

MCB Bank's annual retained earnings increased from Dec. 2023 (₨102,689 Mil) to Dec. 2024 (₨120,926 Mil) and increased from Dec. 2024 (₨120,926 Mil) to Dec. 2025 (₨136,069 Mil).


MCB Bank  (KAR:MCB) 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.


MCB Bank Retained Earnings Historical Data

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The historical data trend for MCB Bank'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.

MCB Bank Retained Earnings Chart

MCB Bank 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 64,697.36 72,795.70 102,689.22 120,926.28 136,068.60

MCB Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 123,880.05 123,880.05 131,821.71 136,068.60 138,361.51
KAR:MCB
64GF Score
MCB Bank Ltd KAR:MCB
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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MCB Bank 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 ₨138,362 Mil mean?
MCB Bank (KAR:MCB) has a Retained Earnings of ₨138,362 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on MCB Bank and its competitors.
Is MCB Bank's Retained Earnings too high?
MCB Bank's current Retained Earnings is ₨138,362 Mil. Overall, MCB Bank has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MCB Bank's Retained Earnings compare to competitors?
MCB Bank's Retained Earnings of ₨138,362 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 MCB Bank and its competitors. MCB Bank's current Retained Earnings is ₨138,362 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MCB Bank stock overvalued right now?
Based on GuruFocus' analysis, MCB Bank (KAR:MCB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨233.11, compared to a current price of ₨406.88 — trading 74.5% above its estimated fair value. The current Retained Earnings is ₨138,362 Mil. MCB Bank's overall GF Score™ is 64/100 with 8 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 MCB Bank (KAR:MCB), the current Retained Earnings is ₨138,362 Mil as of Mar. 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 MCB Bank (KAR:MCB) Overvalued in 2026?

Based on GuruFocus' analysis, MCB Bank stock appears to be overvalued. The current stock price of ₨406.88 is trading 74.5% above its estimated GF Value™ of ₨233.11. GuruFocus considers MCB Bank to be Significantly Overvalued.

Key valuation signals for KAR:MCB:

  • Retained Earnings: ₨138,362 Mil
  • GF Value™: ₨233.11 vs. price of ₨406.88 (74.5% above fair value)
  • GF Score™: 64/100 with 8 warning signs

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


MCB Bank Business Description

Address 15-Main Gulberg, Jail Road, MCB House, Gulburg, Lahore, PB, PAK
MCB Bank Ltd is a commercial banking company operating in Pakistan. The bank provides services through its segments such as Retail Banking, Corporate Banking, Treasury, International banking and others. The majority of the bank's revenues are generated from the Retail banking segment, which includes retail lending and deposits, banking services, cards, and branchless banking. Retail banking offers services such as retail and private lending & deposits and other banking services offered to individual customers and small and medium-term companies. MCB Bank derives majority of its business from its domestic operations. It also has branches across South Asia and the Middle East.
64GF Score

Get the complete analysis for KAR:MCB

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

₨406.88
Price
₨233.11
GF Value