Kvika Banki hf (OISE:KVIKA) Retained Earnings: kr16,681 Mil (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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.
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Charlie Tian
Founder & CEO of GuruFocus
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.

OISE:KVIKA Kvika Banki hf OISE:KVIKA
55 GF Score
Price kr13.35
GF Value kr22.64
Valuation Possible Value Trap
! 3 Warning Signs
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What is Kvika Banki hf Retained Earnings?

Kvika Banki hf OISE:KVIKA +1.14% 55 Retained Earnings is kr16,681 Mil as of Mar. 2026. GuruFocus rates OISE:KVIKA with a GF Score™ of 55/100 and a GF Value™ of kr22.64 (Possible Value Trap). The stock has 3 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Kvika Banki hf's retained earnings for the quarter that ended in Mar. 2026 was kr16,681 Mil.

Kvika Banki hf's quarterly retained earnings declined from Sep. 2025 (kr16,220 Mil) to Dec. 2025 (kr0 Mil) but then increased from Dec. 2025 (kr0 Mil) to Mar. 2026 (kr16,681 Mil).

Kvika Banki hf's annual retained earnings declined from Dec. 2023 (kr25,172 Mil) to Dec. 2024 (kr0 Mil) but then stayed the same from Dec. 2024 (kr0 Mil) to Dec. 2025 (kr0 Mil).


Kvika Banki hf  (OISE:KVIKA) 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.


Kvika Banki hf Retained Earnings Historical Data

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The historical data trend for Kvika Banki hf'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.

Kvika Banki hf Retained Earnings Chart

Kvika Banki hf 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 13,696.75 24,559.89 25,171.75 0.00 0.00

Kvika Banki hf 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 13,789.86 15,121.00 16,220.00 0.00 16,681.00
OISE:KVIKA
55GF Score
Kvika Banki hf OISE:KVIKA
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Kvika Banki hf 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 kr16,681 Mil mean?
Kvika Banki hf (OISE:KVIKA) has a Retained Earnings of kr16,681 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Kvika Banki hf and its competitors.
Is Kvika Banki hf's Retained Earnings too high?
Kvika Banki hf's current Retained Earnings is kr16,681 Mil. Overall, Kvika Banki hf has a GF Score™ of 55/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Kvika Banki hf's Retained Earnings compare to PNC and USB?
Kvika Banki hf's Retained Earnings of kr16,681 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 Kvika Banki hf and its competitors. Kvika Banki hf's current Retained Earnings is kr16,681 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kvika Banki hf stock overvalued right now?
Based on GuruFocus' analysis, Kvika Banki hf (OISE:KVIKA) is currently considered Possible Value Trap. The stock's GF Value™ is kr22.64, compared to a current price of kr13.35 — trading 41% below its estimated fair value. The current Retained Earnings is kr16,681 Mil. Kvika Banki hf's overall GF Score™ is 55/100 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 Kvika Banki hf (OISE:KVIKA), the current Retained Earnings is kr16,681 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 Kvika Banki hf (OISE:KVIKA) Overvalued in 2026?

Based on GuruFocus' analysis, Kvika Banki hf stock appears to be undervalued. The current stock price of kr13.35 is trading 41% below its estimated GF Value™ of kr22.64. GuruFocus considers Kvika Banki hf to be Possible Value Trap.

Key valuation signals for OISE:KVIKA:

  • Retained Earnings: kr16,681 Mil
  • GF Value™: kr22.64 vs. price of kr13.35 (41% below fair value)
  • GF Score™: 55/100 with 3 warning signs

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


Kvika Banki hf Business Description

Address Katrinartun 2, Reykjavik, ISL, 105
Kvika Banki hf is a financial services company with operations in Iceland and the United Kingdom. It delivers its services mainly online and offers solutions in asset management, payments, and banking for individuals, businesses, and investors. The company operates in four business segments: Commercial Banking, Investment Banking, which generates maximum revenue, Asset Management, and UK operations, through its subsidiaries. Retail financial services are delivered through specialized consumer brands such as Audur, Aur, and Netgiro, while corporate and institutional services are provided under the Kvika brand. In the UK, the bank operates under the Kvika and Ortus Secured Finance brands.
55GF Score

Get the complete analysis for OISE:KVIKA

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

kr13.35
Price
kr22.64
GF Value