China Banking (PHS:CBC) Retained Earnings: ₱144,934 Mil (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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PHS:CBC China Banking Corp PHS:CBC
76 GF Score
Price ₱56.55
GF Value ₱58.44
Valuation Fairly Valued
! 3 Warning Signs
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What is China Banking Retained Earnings?

China Banking PHS:CBC +0.27% 76 Retained Earnings is ₱144,934 Mil as of Mar. 2026. GuruFocus rates PHS:CBC with a GF Score™ of 76/100 and a GF Value™ of ₱58.44 (Fairly Valued). The stock has 3 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. China Banking's retained earnings for the quarter that ended in Mar. 2026 was ₱144,934 Mil.

China Banking's quarterly retained earnings increased from Sep. 2025 (₱130,732 Mil) to Dec. 2025 (₱138,288 Mil) and increased from Dec. 2025 (₱138,288 Mil) to Mar. 2026 (₱144,934 Mil).

China Banking's annual retained earnings increased from Dec. 2023 (₱100,900 Mil) to Dec. 2024 (₱117,086 Mil) and increased from Dec. 2024 (₱117,086 Mil) to Dec. 2025 (₱138,288 Mil).


China Banking  (PHS:CBC) 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.


China Banking Retained Earnings Historical Data

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The historical data trend for China Banking'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.

China Banking Retained Earnings Chart

China Banking 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 70,205.52 84,083.66 100,900.47 117,085.76 138,288.20

China Banking 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 123,124.69 123,667.78 130,732.03 138,288.20 144,933.73
PHS:CBC
76GF Score
China Banking Corp PHS:CBC
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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China Banking 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 ₱144,934 Mil mean?
China Banking (PHS:CBC) has a Retained Earnings of ₱144,934 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on China Banking and its competitors.
Is China Banking's Retained Earnings too high?
China Banking's current Retained Earnings is ₱144,934 Mil. Overall, China Banking has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does China Banking's Retained Earnings compare to competitors?
China Banking's Retained Earnings of ₱144,934 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 China Banking and its competitors. China Banking's current Retained Earnings is ₱144,934 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Banking stock overvalued right now?
Based on GuruFocus' analysis, China Banking (PHS:CBC) is currently considered Fairly Valued. The stock's GF Value™ is ₱58.44, compared to a current price of ₱56.55 — trading 3.2% below its estimated fair value. The current Retained Earnings is ₱144,934 Mil. China Banking's overall GF Score™ is 76/100 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 China Banking (PHS:CBC), the current Retained Earnings is ₱144,934 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 China Banking (PHS:CBC) Overvalued in 2026?

Based on GuruFocus' analysis, China Banking stock appears to be undervalued. The current stock price of ₱56.55 is trading 3.2% below its estimated GF Value™ of ₱58.44. GuruFocus considers China Banking to be Fairly Valued.

Key valuation signals for PHS:CBC:

  • Retained Earnings: ₱144,934 Mil
  • GF Value™: ₱58.44 vs. price of ₱56.55 (3.2% below fair value)
  • GF Score™: 76/100 with 3 warning signs

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


China Banking Business Description

Address 8745 Paseo de Roxas Corner Villar Street, P.O. 2182, 11th Floor, China Bank Building, Makati City, PHL, 1226
China Banking Corp is a commercial bank engaged in corporate and SME lending, retail loans including mortgage and auto loans, treasury and foreign exchange trading, trust and investment management, wealth management, cash management, and insurance products. The group's five business segments, namely, Institutional Banking, Consumer Banking, Retail Banking Business, Financial Markets, and Others, which include credit management, thrift banking business, operations and financial control, and other support services. The majority of the company's revenue comes from the Retail Banking Business.
76GF Score

Get the complete analysis for PHS:CBC

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

₱56.55
Price
₱58.44
GF Value