Alinma Bank (SAU:1150) Retained Earnings: ﷼3,984 Mil (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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SAU:1150 Alinma Bank SAU:1150
76 GF Score
Price ﷼25.20
GF Value ﷼26.87
Valuation Fairly Valued
! 3 Warning Signs
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What is Alinma Bank Retained Earnings?

Alinma Bank SAU:1150 +0.80% 76 Retained Earnings is ﷼3,984 Mil as of Jun. 2026. GuruFocus rates SAU:1150 with a GF Score™ of 76/100 and a GF Value™ of ﷼26.87 (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. Alinma Bank's retained earnings for the quarter that ended in Jun. 2026 was ﷼3,984 Mil.

Alinma Bank's quarterly retained earnings declined from Dec. 2025 (﷼4,250 Mil) to Mar. 2026 (﷼3,260 Mil) but then increased from Mar. 2026 (﷼3,260 Mil) to Jun. 2026 (﷼3,984 Mil).

Alinma Bank's annual retained earnings increased from Dec. 2023 (﷼1,118 Mil) to Dec. 2024 (﷼3,188 Mil) and increased from Dec. 2024 (﷼3,188 Mil) to Dec. 2025 (﷼4,250 Mil).


Alinma Bank  (SAU:1150) 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.


Alinma Bank Retained Earnings Historical Data

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The historical data trend for Alinma 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.

Alinma Bank Retained Earnings Chart

Alinma Bank 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 3,618.61 4,285.00 1,118.42 3,188.29 4,250.44

Alinma Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 4,565.40 5,135.26 4,250.44 3,260.15 3,983.60
SAU:1150
76GF Score
Alinma Bank SAU:1150
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Alinma Bank 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 ﷼3,984 Mil mean?
Alinma Bank (SAU:1150) has a Retained Earnings of ﷼3,984 Mil as of Jun. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Alinma Bank and its competitors.
Is Alinma Bank's Retained Earnings too high?
Alinma Bank's current Retained Earnings is ﷼3,984 Mil. Overall, Alinma Bank has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Alinma Bank's Retained Earnings compare to competitors?
Alinma Bank's Retained Earnings of ﷼3,984 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 Alinma Bank and its competitors. Alinma Bank's current Retained Earnings is ﷼3,984 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Alinma Bank stock overvalued right now?
Based on GuruFocus' analysis, Alinma Bank (SAU:1150) is currently considered Fairly Valued. The stock's GF Value™ is ﷼26.87, compared to a current price of ﷼25.20 — trading 6.2% below its estimated fair value. The current Retained Earnings is ﷼3,984 Mil. Alinma Bank'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 Alinma Bank (SAU:1150), the current Retained Earnings is ﷼3,984 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 Alinma Bank (SAU:1150) Overvalued in 2026?

Based on GuruFocus' analysis, Alinma Bank stock appears to be undervalued. The current stock price of ﷼25.20 is trading 6.2% below its estimated GF Value™ of ﷼26.87. GuruFocus considers Alinma Bank to be Fairly Valued.

Key valuation signals for SAU:1150:

  • Retained Earnings: ﷼3,984 Mil
  • GF Value™: ﷼26.87 vs. price of ﷼25.20 (6.2% below fair value)
  • GF Score™: 76/100 with 3 warning signs

No single metric tells the full story. See the SAU:1150 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Alinma Bank Business Description

Address King Fahad Road, P.O. Box 66674, Riyadh, SAU, 11586
Alinma Bank provides banking and investment services. The company's reportable segments are: i) Retail Banking: Financing, deposit and other products/services for individuals. ii) Corporate Banking: Financing, deposit and other products and services for corporate, SME and institutional customers. iii) Treasury: Murabahas with banks, investments and treasury services. iv) Investment and brokerage: Asset Management, custodianship, advisory, underwriting and brokerage services. The majority of the company's revenue is generated from the Corporate Banking segment. Geographically, it has a presence in the Kingdom of Saudi Arabia, Europe, Other GCC and Middle East countries, and Other countries.
76GF Score

Get the complete analysis for SAU:1150

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

﷼25.20
Price
﷼26.87
GF Value