HFCB Group (NAI:HFCK) Retained Earnings: KES-230 Mil (As of Jun. 2026)

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NAI:HFCK HFCB Group PLC NAI:HFCK
35 GF Score
Price KES12.85
GF Value KES2.74
Valuation Significantly Overvalued
! 4 Warning Signs
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What is HFCB Group Retained Earnings?

HFCB Group NAI:HFCK -1.15% 35 Retained Earnings is KES-230 Mil as of Jun. 2026. GuruFocus rates NAI:HFCK with a GF Score™ of 35/100 and a GF Value™ of KES2.74 (Significantly Overvalued). The stock has 4 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. HFCB Group's retained earnings for the quarter that ended in Jun. 2026 was KES-230 Mil.

HFCB Group's quarterly retained earnings increased from Dec. 2025 (KES-1,173 Mil) to Mar. 2026 (KES-757 Mil) and increased from Mar. 2026 (KES-757 Mil) to Jun. 2026 (KES-230 Mil).

HFCB Group's annual retained earnings increased from Dec. 2023 (KES-3,262 Mil) to Dec. 2024 (KES-2,753 Mil) and increased from Dec. 2024 (KES-2,753 Mil) to Dec. 2025 (KES-1,173 Mil).


HFCB Group  (NAI:HFCK) 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.


HFCB Group Retained Earnings Historical Data

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The historical data trend for HFCB Group'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.

HFCB Group Retained Earnings Chart

HFCB Group 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 -2,475.25 -2,492.74 -3,262.48 -2,753.34 -1,173.06

HFCB Group Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 -2,077.21 -1,015.45 -1,173.06 -757.20 -229.98
NAI:HFCK
35GF Score
HFCB Group PLC NAI:HFCK
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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HFCB Group 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 KES-230 Mil mean?
HFCB Group (NAI:HFCK) has a Retained Earnings of KES-230 Mil as of Jun. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on HFCB Group and its competitors.
Is HFCB Group's Retained Earnings too high?
HFCB Group's current Retained Earnings is KES-230 Mil. Overall, HFCB Group has a GF Score™ of 35/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does HFCB Group's Retained Earnings compare to USB and PNC?
HFCB Group's Retained Earnings of KES-230 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 HFCB Group and its competitors. HFCB Group's current Retained Earnings is KES-230 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HFCB Group stock overvalued right now?
Based on GuruFocus' analysis, HFCB Group (NAI:HFCK) is currently considered Significantly Overvalued. The stock's GF Value™ is KES2.74, compared to a current price of KES12.85 — trading 369% above its estimated fair value. The current Retained Earnings is KES-230 Mil. HFCB Group's overall GF Score™ is 35/100 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 HFCB Group (NAI:HFCK), the current Retained Earnings is KES-230 Mil as of Jun. 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 HFCB Group (NAI:HFCK) Overvalued in 2026?

Based on GuruFocus' analysis, HFCB Group stock appears to be overvalued. The current stock price of KES12.85 is trading 369% above its estimated GF Value™ of KES2.74. GuruFocus considers HFCB Group to be Significantly Overvalued.

Key valuation signals for NAI:HFCK:

  • Retained Earnings: KES-230 Mil
  • GF Value™: KES2.74 vs. price of KES12.85 (369% above fair value)
  • GF Score™: 35/100 with 4 warning signs

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


HFCB Group Business Description

Address Kenyatta Avenue, Koinange Street, Rehani House, Plot No. LR 209/905, P.O. Box 30088, Nairobi, KEN, 00100
HFCB Group PLC is an integrated financial and Property solutions provider. It has diversified from being a mortgage financier to a provider of integrated financial solutions with interests in banking, property, and insurance. Its services are Save & Invest, Borrow, Insure, Move Money & Trade, and Own a Home.
35GF Score

Get the complete analysis for NAI:HFCK

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

KES12.85
Price
KES2.74
GF Value