Bank of Jiujiang Co (STU:BJ8) Retained Earnings: €969 Mil (As of Dec. 2025)

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STU:BJ8 Bank of Jiujiang Co Ltd STU:BJ8
68 GF Score
Price €0.30
GF Value €0.52
! 4 Warning Signs
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What is Bank of Jiujiang Co Retained Earnings?

Bank of Jiujiang Co STU:BJ8 68 Retained Earnings is €969 Mil as of Dec. 2025. GuruFocus rates STU:BJ8 with a GF Score™ of 68/100 and a GF Value™ of €0.52. The stock has 4 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Bank of Jiujiang Co's retained earnings for the quarter that ended in Dec. 2025 was €969 Mil.

Bank of Jiujiang Co's quarterly retained earnings declined from Dec. 2024 (€1,041 Mil) to Jun. 2025 (€942 Mil) but then increased from Jun. 2025 (€942 Mil) to Dec. 2025 (€969 Mil).

Bank of Jiujiang Co's annual retained earnings increased from Dec. 2023 (€1,029 Mil) to Dec. 2024 (€1,041 Mil) but then declined from Dec. 2024 (€1,041 Mil) to Dec. 2025 (€969 Mil).


Bank of Jiujiang Co  (STU:BJ8) 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.


Bank of Jiujiang Co Retained Earnings Historical Data

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The historical data trend for Bank of Jiujiang 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.

Bank of Jiujiang Co Retained Earnings Chart

Bank of Jiujiang Co 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 0.00 0.00 1,029.30 1,041.39 969.38

Bank of Jiujiang Co Semi-Annual Data
Dec15 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,029.30 0.00 1,041.39 942.42 969.38
STU:BJ8
68GF Score
Bank of Jiujiang Co Ltd STU:BJ8
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank of Jiujiang 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 €969 Mil mean?
Bank of Jiujiang Co (STU:BJ8) has a Retained Earnings of €969 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Bank of Jiujiang Co and its competitors.
Is Bank of Jiujiang Co's Retained Earnings too high?
Bank of Jiujiang Co's current Retained Earnings is €969 Mil. Overall, Bank of Jiujiang Co has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does Bank of Jiujiang Co's Retained Earnings compare to competitors?
Bank of Jiujiang Co's Retained Earnings of €969 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 Bank of Jiujiang Co and its competitors. Bank of Jiujiang Co's current Retained Earnings is €969 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Jiujiang Co stock overvalued right now?
Bank of Jiujiang Co (STU:BJ8) has a current Retained Earnings of €969 Mil. The stock's GF Value™ is €0.52, compared to a current price of €0.30 — trading 42.3% below its estimated fair value. The current Retained Earnings is €969 Mil. Bank of Jiujiang Co's overall GF Score™ is 68/100 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 Bank of Jiujiang Co (STU:BJ8), the current Retained Earnings is €969 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 Bank of Jiujiang Co (STU:BJ8) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Jiujiang Co stock appears to be undervalued. The current stock price of €0.30 is trading 42.3% below its estimated GF Value™ of €0.52.

Key valuation signals for STU:BJ8:

  • Retained Earnings: €969 Mil
  • GF Value™: €0.52 vs. price of €0.30 (42.3% below fair value)
  • GF Score™: 68/100 with 4 warning signs

No single metric tells the full story. See the STU:BJ8 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bank of Jiujiang Co Business Description

Other Exchanges 06190:Hong Kong
Address No. 619 Changhong Avenue, Lianxi District, Jiangxi Province, Jiujiang, CHN, 332000
Bank of Jiujiang Co Ltd is a banking institution. The principal activities of the Bank and its subsidiaries comprise public deposit taking, granting short-term, medium-term and long-term loans; handling domestic and overseas settlements; bill acceptance, settlement and discounting; issuing financial bonds; acting as agent to issue, settle and underwrite government bonds; trading of government bonds and financial bonds; inter-bank placement; providing letters of credit services and guarantees; acting as agent on inward and outward payments and selling of securities investment funds and other approved business. The Group has three operating segments: Corporate banking, Retail banking, and Financial market business. The Group generates maximum revenue from the Corporate Banking segment.
68GF Score

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

€0.30
Price
€0.52
GF Value