Loyal Solutions AS (OSTO:LOYAL) Retained Earnings: kr-59.73 Mil (As of Dec. 2025)

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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
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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.

OSTO:LOYAL Loyal Solutions AS OSTO:LOYAL
56 GF Score
Price kr7.38
GF Value kr11.15
Valuation Possible Value Trap
! 9 Warning Signs
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What is Loyal Solutions AS Retained Earnings?

Loyal Solutions AS OSTO:LOYAL -1.86% 56 Retained Earnings is kr-59.73 Mil as of Dec. 2025. GuruFocus rates OSTO:LOYAL with a GF Score™ of 56/100 and a GF Value™ of kr11.15 (Possible Value Trap). The stock has 9 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Loyal Solutions AS's retained earnings for the quarter that ended in Dec. 2025 was kr-59.73 Mil.

Loyal Solutions AS's quarterly retained earnings declined from Dec. 2024 (kr-56.71 Mil) to Jun. 2025 (kr-61.21 Mil) but then increased from Jun. 2025 (kr-61.21 Mil) to Dec. 2025 (kr-59.73 Mil).

Loyal Solutions AS's annual retained earnings declined from Jun. 2023 (kr-34.42 Mil) to Jun. 2024 (kr-46.71 Mil) and declined from Jun. 2024 (kr-46.71 Mil) to Jun. 2025 (kr-61.21 Mil).


Loyal Solutions AS  (OSTO:LOYAL) 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.


Loyal Solutions AS Retained Earnings Historical Data

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The historical data trend for Loyal Solutions AS'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.

Loyal Solutions AS Retained Earnings Chart

Loyal Solutions AS Annual Data
Trend Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Retained Earnings
Get a 7-Day Free Trial -23.15 -7.71 -34.42 -46.71 -61.21

Loyal Solutions AS Semi-Annual Data
Jun18 Jun19 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 -38.50 -46.71 -56.71 -61.21 -59.73
OSTO:LOYAL
56GF Score
Loyal Solutions AS OSTO:LOYAL
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Loyal Solutions AS 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 kr-59.73 Mil mean?
Loyal Solutions AS (OSTO:LOYAL) has a Retained Earnings of kr-59.73 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Loyal Solutions AS and its competitors.
Is Loyal Solutions AS's Retained Earnings too high?
Loyal Solutions AS's current Retained Earnings is kr-59.73 Mil. Overall, Loyal Solutions AS has a GF Score™ of 56/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Loyal Solutions AS's Retained Earnings compare to QH and SHOP?
Loyal Solutions AS's Retained Earnings of kr-59.73 Mil can be compared against companies in the Software 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 Software company?
A good Retained Earnings depends on the Software 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 Loyal Solutions AS and its competitors. Loyal Solutions AS's current Retained Earnings is kr-59.73 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Loyal Solutions AS stock overvalued right now?
Based on GuruFocus' analysis, Loyal Solutions AS (OSTO:LOYAL) is currently considered Possible Value Trap. The stock's GF Value™ is kr11.15, compared to a current price of kr7.38 — trading 33.8% below its estimated fair value. The current Retained Earnings is kr-59.73 Mil. Loyal Solutions AS's overall GF Score™ is 56/100 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 Loyal Solutions AS (OSTO:LOYAL), the current Retained Earnings is kr-59.73 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 Loyal Solutions AS (OSTO:LOYAL) Overvalued in 2026?

Based on GuruFocus' analysis, Loyal Solutions AS stock appears to be undervalued. The current stock price of kr7.38 is trading 33.8% below its estimated GF Value™ of kr11.15. GuruFocus considers Loyal Solutions AS to be Possible Value Trap.

Key valuation signals for OSTO:LOYAL:

  • Retained Earnings: kr-59.73 Mil
  • GF Value™: kr11.15 vs. price of kr7.38 (33.8% below fair value)
  • GF Score™: 56/100 with 9 warning signs

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


Loyal Solutions AS Business Description

Address Edvard Thomsens Vej 10, 6th floor, Copenhagen S, DNK, DK-2300
Loyal Solutions A/S is a software-as-a-service company. The company is engaged in the development and implementation of bespoke loyalty schemes that enhance customer retention and brand engagement. Their core business revolves around creating loyalty solution platforms that provide customer engagement programs across industries such as airlines, financial services, malls, hospitality, telecom, and media. LoyalTfacts is its proprietary SaaS end-to-end platform.
56GF Score

Get the complete analysis for OSTO:LOYAL

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

kr7.38
Price
kr11.15
GF Value