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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. OTP Bank's retained earnings for the quarter that ended in Mar. 2026 was $19,643 Mil.
OTP Bank's quarterly retained earnings
declined
from Sep. 2025 ($18,247 Mil) to Dec. 2025 ($5,343 Mil) but then
increased
from Dec. 2025 ($5,343 Mil) to Mar. 2026 ($19,643 Mil).
OTP Bank's annual retained earnings
increased
from Dec. 2023 ($4,567 Mil) to Dec. 2024 ($5,398 Mil) but then
declined
from Dec. 2024 ($5,398 Mil) to Dec. 2025 ($5,343 Mil).
OTP Bank (LSE:OTPD) 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.
OTP Bank Retained Earnings Historical Data
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The historical data trend for OTP 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.
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.
What does a Retained Earnings of $19,643 Mil mean?
OTP Bank (LSE:OTPD) has a Retained Earnings of $19,643 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on OTP Bank and its competitors.
Is OTP Bank's Retained Earnings too high?
OTP Bank's current Retained Earnings is $19,643 Mil. Overall, OTP Bank has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OTP Bank's Retained Earnings compare to PNC and USB?
OTP Bank's Retained Earnings of $19,643 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 OTP Bank and its competitors. OTP Bank's current Retained Earnings is $19,643 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OTP Bank stock overvalued right now?
Based on GuruFocus' analysis, OTP Bank (LSE:OTPD) is currently considered Modestly Overvalued. The stock's GF Value™ is $13.81, compared to a current price of $17.00 — trading 23.1% above its estimated fair value. The current Retained Earnings is $19,643 Mil. OTP Bank's overall GF Score™ is 71/100 with 5 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 OTP Bank (LSE:OTPD), the current Retained Earnings is $19,643 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 OTP Bank (LSE:OTPD) Overvalued in 2026?
Based on GuruFocus' analysis, OTP Bank stock appears to be overvalued.
The current stock price of $17.00 is trading 23.1% above its estimated GF Value™ of $13.81.
GuruFocus considers OTP Bank to be Modestly Overvalued.
Key valuation signals for LSE:OTPD:
Retained Earnings: $19,643 Mil
GF Value™: $13.81 vs. price of $17.00 (23.1% above fair value)
No single metric tells the full story. See the LSE:OTPD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OTP Bank PLC provides universal financial services through several subsidiaries. It performs banking operations via its bank in Hungary. The Group's operating segments are as follows: OTP Core Hungary, Russia, Ukraine, Bulgaria, Romania, Serbia, Croatia, Montenegro, Albania, Moldova, Slovenia, Uzbekistan, Merkantil Group, Asset Management subsidiaries, other subsidiaries, and Corporate Centre. The Bank provides comprehensive banking & other financial services to both retail & corporate customers: its activities include deposit collection from customers, raising money from the money & capital markets. It also offers mortgage loans, consumer credits, working capital & investment loans to companies and municipalities. A majority of the bank's net revenue is net interest income.
71GF Score
Get the complete analysis for LSE:OTPD
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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