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.
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.
Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Japan Systembank's retained earnings for the quarter that ended in Dec. 2025 was 円1,406 Mil.
Japan Systembank's quarterly retained earnings
increased
from Jun. 2025 (円1,207 Mil) to Sep. 2025 (円1,266 Mil) and
increased
from Sep. 2025 (円1,266 Mil) to Dec. 2025 (円1,406 Mil).
Japan Systembank's annual retained earnings
increased
from Jun. 2023 (円813 Mil) to Jun. 2024 (円1,033 Mil) and
increased
from Jun. 2024 (円1,033 Mil) to Jun. 2025 (円1,207 Mil).
Japan Systembank (NGO:5530) 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.
Japan Systembank Retained Earnings Historical Data
* Premium members only.
The historical data trend for Japan Systembank'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.
Japan Systembank (NGO:5530) has a Retained Earnings of 円1,406 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Japan Systembank and its competitors.
Is Japan Systembank's Retained Earnings too high?
Japan Systembank's current Retained Earnings is 円1,406 Mil. Overall, Japan Systembank has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Japan Systembank's Retained Earnings compare to competitors?
Japan Systembank's Retained Earnings of 円1,406 Mil can be compared against companies in the Construction 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 Construction company?
A good Retained Earnings depends on the Construction 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 Japan Systembank and its competitors. Japan Systembank's current Retained Earnings is 円1,406 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Japan Systembank stock overvalued right now?
Based on GuruFocus' analysis, Japan Systembank (NGO:5530) is currently considered Significantly Overvalued. The stock's GF Value™ is 円703.85, compared to a current price of 円1,065.00 — trading 51.3% above its estimated fair value. The current Retained Earnings is 円1,406 Mil. Japan Systembank's overall GF Score™ is 45/100 with 3 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 Japan Systembank (NGO:5530), the current Retained Earnings is 円1,406 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 Japan Systembank (NGO:5530) Overvalued in 2026?
Based on GuruFocus' analysis, Japan Systembank stock appears to be overvalued.
The current stock price of 円1,065.00 is trading 51.3% above its estimated GF Value™ of 円703.85.
GuruFocus considers Japan Systembank to be Significantly Overvalued.
Key valuation signals for NGO:5530:
Retained Earnings: 円1,406 Mil
GF Value™: 円703.85 vs. price of 円1,065.00 (51.3% above fair value)
No single metric tells the full story. See the NGO:5530 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NGO:5530 has been successfully added to your 
