Hypothekarbank Lenzburg AG (LTS:0QLK) Retained Earnings: CHF20.0 Mil (As of Dec. 2025)

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LTS:0QLK Hypothekarbank Lenzburg AG LTS:0QLK
56 GF Score
Price CHF4,100.00
GF Value CHF4,931.15
! 1 Warning Sign
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What is Hypothekarbank Lenzburg AG Retained Earnings?

Hypothekarbank Lenzburg AG LTS:0QLK 56 Retained Earnings is CHF20.0 Mil as of Dec. 2025. GuruFocus rates LTS:0QLK with a GF Score™ of 56/100 and a GF Value™ of CHF4,931.15. The stock has 1 warning sign investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Hypothekarbank Lenzburg AG's retained earnings for the quarter that ended in Dec. 2025 was CHF20.0 Mil.

Hypothekarbank Lenzburg AG's quarterly retained earnings declined from Dec. 2024 (CHF20.5 Mil) to Jun. 2025 (CHF7.8 Mil) but then increased from Jun. 2025 (CHF7.8 Mil) to Dec. 2025 (CHF20.0 Mil).

Hypothekarbank Lenzburg AG's annual retained earnings declined from Dec. 2023 (CHF21.8 Mil) to Dec. 2024 (CHF20.5 Mil) and declined from Dec. 2024 (CHF20.5 Mil) to Dec. 2025 (CHF20.0 Mil).


Hypothekarbank Lenzburg AG  (LTS:0QLK) 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.


Hypothekarbank Lenzburg AG Retained Earnings Historical Data

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The historical data trend for Hypothekarbank Lenzburg AG'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.

Hypothekarbank Lenzburg AG Retained Earnings Chart

Hypothekarbank Lenzburg AG 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 19.02 19.37 21.84 20.45 20.03

Hypothekarbank Lenzburg AG 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 21.84 9.81 20.45 7.83 20.03
LTS:0QLK
56GF Score
Hypothekarbank Lenzburg AG LTS:0QLK
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Hypothekarbank Lenzburg AG 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 CHF20.0 Mil mean?
Hypothekarbank Lenzburg AG (LTS:0QLK) has a Retained Earnings of CHF20.0 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Hypothekarbank Lenzburg AG and its competitors.
Is Hypothekarbank Lenzburg AG's Retained Earnings too high?
Hypothekarbank Lenzburg AG's current Retained Earnings is CHF20.0 Mil. Overall, Hypothekarbank Lenzburg AG has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.
How does Hypothekarbank Lenzburg AG's Retained Earnings compare to RKT and FNMA?
Hypothekarbank Lenzburg AG's Retained Earnings of CHF20.0 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 Hypothekarbank Lenzburg AG and its competitors. Hypothekarbank Lenzburg AG's current Retained Earnings is CHF20.0 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hypothekarbank Lenzburg AG stock overvalued right now?
Hypothekarbank Lenzburg AG (LTS:0QLK) has a current Retained Earnings of CHF20.0 Mil. The stock's GF Value™ is CHF4,931.15, compared to a current price of CHF4,100.00 — trading 16.9% below its estimated fair value. The current Retained Earnings is CHF20.0 Mil. Hypothekarbank Lenzburg AG's overall GF Score™ is 56/100 with 1 warning sign 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 Hypothekarbank Lenzburg AG (LTS:0QLK), the current Retained Earnings is CHF20.0 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 Hypothekarbank Lenzburg AG (LTS:0QLK) Overvalued in 2026?

Based on GuruFocus' analysis, Hypothekarbank Lenzburg AG stock appears to be undervalued. The current stock price of CHF4,100.00 is trading 16.9% below its estimated GF Value™ of CHF4,931.15.

Key valuation signals for LTS:0QLK:

  • Retained Earnings: CHF20.0 Mil
  • GF Value™: CHF4,931.15 vs. price of CHF4,100.00 (16.9% below fair value)
  • GF Score™: 56/100 with 1 warning sign

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


Hypothekarbank Lenzburg AG Business Description

Other Exchanges HBLN:Switzerland
Address Bahnhofstrasse 2, Lenzburg, CHE, CH-5600
Hypothekarbank Lenzburg AG is a Swiss mortgage bank. The Bank provides lending and other general banking services. It also focuses on housing construction, commercial, industrial, and Rest properties. It provides consultation services, mortgage, investment options to its clients and E-banking service.
56GF Score

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

CHF4,100.00
Price
CHF4,931.15
GF Value