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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Riyad Bank's retained earnings for the quarter that ended in Jun. 2026 was ﷼13,665 Mil.
Riyad Bank's quarterly retained earnings
increased
from Dec. 2025 (﷼15,365 Mil) to Mar. 2026 (﷼16,199 Mil) but then
declined
from Mar. 2026 (﷼16,199 Mil) to Jun. 2026 (﷼13,665 Mil).
Riyad Bank's annual retained earnings
increased
from Dec. 2023 (﷼11,277 Mil) to Dec. 2024 (﷼13,360 Mil) and
increased
from Dec. 2024 (﷼13,360 Mil) to Dec. 2025 (﷼15,365 Mil).
Riyad Bank (SAU:1010) 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.
Riyad Bank Retained Earnings Historical Data
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The historical data trend for Riyad Bank'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.
What does a Retained Earnings of ﷼13,665 Mil mean?
Riyad Bank (SAU:1010) has a Retained Earnings of ﷼13,665 Mil as of Jun. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Riyad Bank and its competitors.
Is Riyad Bank's Retained Earnings too high?
Riyad Bank's current Retained Earnings is ﷼13,665 Mil. Overall, Riyad Bank has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Riyad Bank's Retained Earnings compare to competitors?
Riyad Bank's Retained Earnings of ﷼13,665 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 Riyad Bank and its competitors. Riyad Bank's current Retained Earnings is ﷼13,665 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Riyad Bank stock overvalued right now?
Based on GuruFocus' analysis, Riyad Bank (SAU:1010) is currently considered Fairly Valued. The stock's GF Value™ is ﷼22.52, compared to a current price of ﷼20.71 — trading 8% below its estimated fair value. The current Retained Earnings is ﷼13,665 Mil. Riyad Bank's overall GF Score™ is 77/100 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 Riyad Bank (SAU:1010), the current Retained Earnings is ﷼13,665 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 Riyad Bank (SAU:1010) Overvalued in 2026?
Based on GuruFocus' analysis, Riyad Bank stock appears to be undervalued.
The current stock price of ﷼20.71 is trading 8% below its estimated GF Value™ of ﷼22.52.
GuruFocus considers Riyad Bank to be Fairly Valued.
Key valuation signals for SAU:1010:
Retained Earnings: ﷼13,665 Mil
GF Value™: ﷼22.52 vs. price of ﷼20.71 (8% below fair value)
No single metric tells the full story. See the SAU:1010 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressFinancial Boulevard - Al Aqeeq District, P.O. Box 22622, Riyad Bank Tower, Building No. 3128, King Abdullah Financial District (KAFD, Riyadh, SAU, 13519 – 6671
Riyad Bank is a financial institution in Saudi Arabia. The company provides a full range of banking and investment services. It also provides its customers with nonconventional banking products which are approved and supervised by an independent Shariah Board established by the Bank. The company operates in four business segments: i) Retail Banking, ii) Investment banking and brokerage, iii) Corporate banking, and iv) Treasury and Investments. The majority of the company's revenue is derived from the Corporate banking segment, which principally handles corporate customers' current accounts, deposits and provides loans, overdrafts and other credit facilities and includes small to medium sized businesses.
77GF Score
Get the complete analysis for SAU:1010
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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