Cathay Financial Holding Co (LSE:CFHS) Retained Earnings: $4,031 Mil (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

LSE:CFHS Cathay Financial Holding Co Ltd LSE:CFHS
54 GF Score
Price $19.20
GF Value $15.11
! 4 Warning Signs
View Full Analysis

What is Cathay Financial Holding Co Retained Earnings?

Cathay Financial Holding Co LSE:CFHS 54 Retained Earnings is $4,031 Mil as of Dec. 2025. GuruFocus rates LSE:CFHS with a GF Score™ of 54/100 and a GF Value™ of $15.11. The stock has 4 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Cathay Financial Holding Co's retained earnings for the quarter that ended in Dec. 2025 was $4,031 Mil.

Cathay Financial Holding Co's quarterly retained earnings increased from Jun. 2025 ($2,093 Mil) to Sep. 2025 ($3,097 Mil) and increased from Sep. 2025 ($3,097 Mil) to Dec. 2025 ($4,031 Mil).

Cathay Financial Holding Co's annual retained earnings increased from Dec. 2023 ($1,608 Mil) to Dec. 2024 ($8,392 Mil) but then declined from Dec. 2024 ($8,392 Mil) to Dec. 2025 ($4,031 Mil).


Cathay Financial Holding Co  (LSE:CFHS) 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.


Cathay Financial Holding Co Retained Earnings Historical Data

* Premium members only.

The historical data trend for Cathay Financial Holding Co'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.

Cathay Financial Holding Co Retained Earnings Chart

Cathay Financial Holding Co 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 9,651.08 7,514.31 1,607.62 8,392.21 4,031.08

Cathay Financial Holding Co Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8,392.21 9,266.15 2,092.60 3,096.75 4,031.08
LSE:CFHS
54GF Score
Cathay Financial Holding Co Ltd LSE:CFHS
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Cathay Financial Holding Co 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 $4,031 Mil mean?
Cathay Financial Holding Co (LSE:CFHS) has a Retained Earnings of $4,031 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Cathay Financial Holding Co and its competitors.
Is Cathay Financial Holding Co's Retained Earnings too high?
Cathay Financial Holding Co's current Retained Earnings is $4,031 Mil. Overall, Cathay Financial Holding Co has a GF Score™ of 54/100, reflecting its overall financial health beyond just this single metric.
How does Cathay Financial Holding Co's Retained Earnings compare to AFL and MET?
Cathay Financial Holding Co's Retained Earnings of $4,031 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 Cathay Financial Holding Co and its competitors. Cathay Financial Holding Co's current Retained Earnings is $4,031 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cathay Financial Holding Co stock overvalued right now?
Cathay Financial Holding Co (LSE:CFHS) has a current Retained Earnings of $4,031 Mil. The stock's GF Value™ is $15.11, compared to a current price of $19.20 — trading 27.1% above its estimated fair value. The current Retained Earnings is $4,031 Mil. Cathay Financial Holding Co's overall GF Score™ is 54/100 with 4 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 Cathay Financial Holding Co (LSE:CFHS), the current Retained Earnings is $4,031 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 Cathay Financial Holding Co (LSE:CFHS) Overvalued in 2026?

Based on GuruFocus' analysis, Cathay Financial Holding Co stock appears to be overvalued. The current stock price of $19.20 is trading 27.1% above its estimated GF Value™ of $15.11.

Key valuation signals for LSE:CFHS:

  • Retained Earnings: $4,031 Mil
  • GF Value™: $15.11 vs. price of $19.20 (27.1% above fair value)
  • GF Score™: 54/100 with 4 warning signs

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


Cathay Financial Holding Co Business Description

Address No. 296, Jen Ai Road, Section 4, Taipei, TWN, 10633
Cathay Financial Holding Co Ltd is a financial holding company. It has five operating segments Banking segment is engaged in permitted businesses of commercial banks; Life insurance segments is engaged in traditional insurance, investment-linked insurance and interest-sensitive sales of annuity insurance and providing financial planning services and policy loan services; Property insurance segment is engaged in fire insurance, marine insurance, land and air insurance, liability insurance, financial guarantee insurance, reinsurance and other insurance; Securities segment is engaged in brokerage, dealership, and underwriting business; and Other operating segment of which majority of revenue is from Life insurance. Geographically revenue comes from Taiwan.
54GF Score

Get the complete analysis for LSE:CFHS

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

$19.20
Price
$15.11
GF Value