Indos (WAR:INS) Retained Earnings: zł1.16 Mil (As of Mar. 2026)

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WAR:INS Indos SA WAR:INS
89 GF Score
Price zł3.56
GF Value zł3.88
Valuation Fairly Valued
! 5 Warning Signs
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What is Indos Retained Earnings?

Indos WAR:INS 89 Retained Earnings is zł1.16 Mil as of Mar. 2026. GuruFocus rates WAR:INS with a GF Score™ of 89/100 and a GF Value™ of zł3.88 (Fairly Valued). The stock has 5 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Indos's retained earnings for the quarter that ended in Mar. 2026 was zł1.16 Mil.

Indos's quarterly retained earnings increased from Sep. 2025 (zł-1.08 Mil) to Dec. 2025 (zł0.42 Mil) and increased from Dec. 2025 (zł0.42 Mil) to Mar. 2026 (zł1.16 Mil).

Indos's annual retained earnings declined from Dec. 2023 (zł5.65 Mil) to Dec. 2024 (zł3.93 Mil) and declined from Dec. 2024 (zł3.93 Mil) to Dec. 2025 (zł0.42 Mil).


Indos  (WAR:INS) 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.


Indos Retained Earnings Historical Data

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The historical data trend for Indos'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.

Indos Retained Earnings Chart

Indos 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 4.82 5.92 5.65 3.93 0.42

Indos 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 3.99 0.90 -1.08 0.42 1.16
WAR:INS
89GF Score
Indos SA WAR:INS
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Indos 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 zł1.16 Mil mean?
Indos (WAR:INS) has a Retained Earnings of zł1.16 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Indos and its competitors.
Is Indos' Retained Earnings too high?
Indos' current Retained Earnings is zł1.16 Mil. Overall, Indos has a GF Score™ of 89/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Indos' Retained Earnings compare to V and MA?
Indos' Retained Earnings of zł1.16 Mil can be compared against companies in the Credit Services 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 Credit Services company?
A good Retained Earnings depends on the Credit Services 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 Indos and its competitors. Indos's current Retained Earnings is zł1.16 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Indos stock overvalued right now?
Based on GuruFocus' analysis, Indos (WAR:INS) is currently considered Fairly Valued. The stock's GF Value™ is zł3.88, compared to a current price of zł3.56 — trading 8.2% below its estimated fair value. The current Retained Earnings is zł1.16 Mil. Indos' overall GF Score™ is 89/100 with 5 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 Indos (WAR:INS), the current Retained Earnings is zł1.16 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 Indos (WAR:INS) Overvalued in 2026?

Based on GuruFocus' analysis, Indos stock appears to be undervalued. The current stock price of zł3.56 is trading 8.2% below its estimated GF Value™ of zł3.88. GuruFocus considers Indos to be Fairly Valued.

Key valuation signals for WAR:INS:

  • Retained Earnings: zł1.16 Mil
  • GF Value™: zł3.88 vs. price of zł3.56 (8.2% below fair value)
  • GF Score™: 89/100 with 5 warning signs

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


Indos Business Description

Address Ul. Kosciuszki 63, Chorzow, POL, 41-503
Indos SA is a factoring and debt collection company. It specializes in debt collection, factoring, debt purchase and corporate finance.
89GF Score

Get the complete analysis for WAR:INS

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

zł3.56
Price
zł3.88
GF Value