Erste Bank Polska (LTS:0DVR) Retained Earnings: zł11,014 Mil (As of Mar. 2026)

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LTS:0DVR Erste Bank Polska SA LTS:0DVR
80 GF Score
Price zł395.55
GF Value zł351.84
Valuation Modestly Overvalued
! 9 Warning Signs
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What is Erste Bank Polska Retained Earnings?

Erste Bank Polska LTS:0DVR 80 Retained Earnings is zł11,014 Mil as of Mar. 2026. GuruFocus rates LTS:0DVR with a GF Score™ of 80/100 and a GF Value™ of zł351.84 (Modestly Overvalued). The stock has 9 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Erste Bank Polska's retained earnings for the quarter that ended in Mar. 2026 was zł11,014 Mil.

Erste Bank Polska's quarterly retained earnings increased from Sep. 2025 (zł7,764 Mil) to Dec. 2025 (zł10,092 Mil) and increased from Dec. 2025 (zł10,092 Mil) to Mar. 2026 (zł11,014 Mil).

Erste Bank Polska's annual retained earnings increased from Dec. 2023 (zł5,942 Mil) to Dec. 2024 (zł7,299 Mil) and increased from Dec. 2024 (zł7,299 Mil) to Dec. 2025 (zł10,092 Mil).


Erste Bank Polska  (LTS:0DVR) 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.


Erste Bank Polska Retained Earnings Historical Data

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The historical data trend for Erste Bank Polska'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.

Erste Bank Polska Retained Earnings Chart

Erste Bank Polska 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 3,686.16 4,569.13 5,942.24 7,299.43 10,091.74

Erste Bank Polska 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 8,950.42 5,874.96 7,763.79 10,091.74 11,013.75
LTS:0DVR
80GF Score
Erste Bank Polska SA LTS:0DVR
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Erste Bank Polska 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 zł11,014 Mil mean?
Erste Bank Polska (LTS:0DVR) has a Retained Earnings of zł11,014 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Erste Bank Polska and its competitors.
Is Erste Bank Polska's Retained Earnings too high?
Erste Bank Polska's current Retained Earnings is zł11,014 Mil. Overall, Erste Bank Polska has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Erste Bank Polska's Retained Earnings compare to PNC?
Erste Bank Polska's Retained Earnings of zł11,014 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 Erste Bank Polska and its competitors. Erste Bank Polska's current Retained Earnings is zł11,014 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erste Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, Erste Bank Polska (LTS:0DVR) is currently considered Modestly Overvalued. The stock's GF Value™ is zł351.84, compared to a current price of zł395.55 — trading 12.4% above its estimated fair value. The current Retained Earnings is zł11,014 Mil. Erste Bank Polska's overall GF Score™ is 80/100 with 9 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 Erste Bank Polska (LTS:0DVR), the current Retained Earnings is zł11,014 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 Erste Bank Polska (LTS:0DVR) Overvalued in 2026?

Based on GuruFocus' analysis, Erste Bank Polska stock appears to be overvalued. The current stock price of zł395.55 is trading 12.4% above its estimated GF Value™ of zł351.84. GuruFocus considers Erste Bank Polska to be Modestly Overvalued.

Key valuation signals for LTS:0DVR:

  • Retained Earnings: zł11,014 Mil
  • GF Value™: zł351.84 vs. price of zł395.55 (12.4% above fair value)
  • GF Score™: 80/100 with 9 warning signs

No single metric tells the full story. See the LTS:0DVR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Erste Bank Polska Business Description

Address Plac Europejski 3A, Warszawa, POL, 00-854
Erste Bank Polska SA is a commercial bank. It provides financial products and services such as Personal accounts, Payment cards, Loans, Savings and investments, and products for overseas customers.
80GF Score

Get the complete analysis for LTS:0DVR

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

zł395.55
Price
zł351.84
GF Value