SHL Finance Co (SAU:1183) Retained Earnings: ﷼592.5 Mil (As of Jun. 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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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.

SAU:1183 SHL Finance Co SAU:1183
46 GF Score
Price ﷼14.62
GF Value ﷼30.30
Valuation Possible Value Trap
! 4 Warning Signs
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What is SHL Finance Co Retained Earnings?

SHL Finance Co SAU:1183 +1.11% 46 Retained Earnings is ﷼592.5 Mil as of Jun. 2026. GuruFocus rates SAU:1183 with a GF Score™ of 46/100 and a GF Value™ of ﷼30.30 (Possible Value Trap). The stock has 4 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. SHL Finance Co's retained earnings for the quarter that ended in Jun. 2026 was ﷼592.5 Mil.

SHL Finance Co's quarterly retained earnings increased from Dec. 2025 (﷼607.2 Mil) to Mar. 2026 (﷼626.0 Mil) but then declined from Mar. 2026 (﷼626.0 Mil) to Jun. 2026 (﷼592.5 Mil).

SHL Finance Co's annual retained earnings increased from Dec. 2023 (﷼532.6 Mil) to Dec. 2024 (﷼556.5 Mil) and increased from Dec. 2024 (﷼556.5 Mil) to Dec. 2025 (﷼607.2 Mil).


SHL Finance Co  (SAU:1183) 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.


SHL Finance Co Retained Earnings Historical Data

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The historical data trend for SHL Finance Co'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.

SHL Finance Co Retained Earnings Chart

SHL Finance Co Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial 571.63 580.53 532.62 556.49 607.17

SHL Finance Co 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 582.51 590.77 607.17 625.98 592.52
SAU:1183
46GF Score
SHL Finance Co SAU:1183
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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SHL Finance Co 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 ﷼592.5 Mil mean?
SHL Finance Co (SAU:1183) has a Retained Earnings of ﷼592.5 Mil as of Jun. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on SHL Finance Co and its competitors.
Is SHL Finance Co's Retained Earnings too high?
SHL Finance Co's current Retained Earnings is ﷼592.5 Mil. Overall, SHL Finance Co has a GF Score™ of 46/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SHL Finance Co's Retained Earnings compare to RKT and FNMA?
SHL Finance Co's Retained Earnings of ﷼592.5 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 SHL Finance Co and its competitors. SHL Finance Co's current Retained Earnings is ﷼592.5 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SHL Finance Co stock overvalued right now?
Based on GuruFocus' analysis, SHL Finance Co (SAU:1183) is currently considered Possible Value Trap. The stock's GF Value™ is ﷼30.30, compared to a current price of ﷼14.62 — trading 51.7% below its estimated fair value. The current Retained Earnings is ﷼592.5 Mil. SHL Finance Co's overall GF Score™ is 46/100 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 SHL Finance Co (SAU:1183), the current Retained Earnings is ﷼592.5 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 SHL Finance Co (SAU:1183) Overvalued in 2026?

Based on GuruFocus' analysis, SHL Finance Co stock appears to be undervalued. The current stock price of ﷼14.62 is trading 51.7% below its estimated GF Value™ of ﷼30.30. GuruFocus considers SHL Finance Co to be Possible Value Trap.

Key valuation signals for SAU:1183:

  • Retained Earnings: ﷼592.5 Mil
  • GF Value™: ﷼30.30 vs. price of ﷼14.62 (51.7% below fair value)
  • GF Score™: 46/100 with 4 warning signs

No single metric tells the full story. See the SAU:1183 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


SHL Finance Co Business Description

Address AlMuraba - King Abdulaziz Road, P.O. Box 27072, Riyadh, SAU, 11417
SHL Finance Co is engaged in real estate financing activities for individuals. The main activity of the company is to carry out real estate financing, Consumer Financing, and financing the activities of Small & Medium Establishments for individuals and corporations, in accordance with the provisions of the Companies Law, the Finance Companies Control Law, and its Executive Regulations and related regulations, and the rules and instructions issued by the Saudi Central Bank.
46GF Score

Get the complete analysis for SAU:1183

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

﷼14.62
Price
﷼30.30
GF Value