Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) Retained Earnings: BAM49.77 Mil (As of Dec. 2025)

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XBLB:KRLB-R-A Hypo Alpe-Adria Bank AD XBLB:KRLB-R-A
18 GF Score
Price BAM1.14
GF Value BAM1.31
! 3 Warning Signs
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What is Hypo Alpe-Adria Bank AD Retained Earnings?

Hypo Alpe-Adria Bank AD XBLB:KRLB-R-A 18 Retained Earnings is BAM49.77 Mil as of Dec. 2025. GuruFocus rates XBLB:KRLB-R-A with a GF Score™ of 18/100 and a GF Value™ of BAM1.31. The stock has 3 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Hypo Alpe-Adria Bank AD's retained earnings for the quarter that ended in Dec. 2025 was BAM49.77 Mil.

Hypo Alpe-Adria Bank AD's quarterly retained earnings declined from Dec. 2024 (BAM44.16 Mil) to Jun. 2025 (BAM39.32 Mil) but then increased from Jun. 2025 (BAM39.32 Mil) to Dec. 2025 (BAM49.77 Mil).

Hypo Alpe-Adria Bank AD's annual retained earnings increased from Dec. 2023 (BAM24.07 Mil) to Dec. 2024 (BAM44.16 Mil) and increased from Dec. 2024 (BAM44.16 Mil) to Dec. 2025 (BAM49.77 Mil).


Hypo Alpe-Adria Bank AD  (XBLB:KRLB-R-A) 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.


Hypo Alpe-Adria Bank AD Retained Earnings Historical Data

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The historical data trend for Hypo Alpe-Adria Bank AD'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.

Hypo Alpe-Adria Bank AD Retained Earnings Chart

Hypo Alpe-Adria Bank AD 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 7.54 13.17 24.07 44.16 49.77

Hypo Alpe-Adria Bank AD Semi-Annual Data
Jun16 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 24.07 34.15 44.16 39.32 49.77
XBLB:KRLB-R-A
18GF Score
Hypo Alpe-Adria Bank AD XBLB:KRLB-R-A
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Hypo Alpe-Adria Bank AD 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 BAM49.77 Mil mean?
Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) has a Retained Earnings of BAM49.77 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Hypo Alpe-Adria Bank AD and its competitors.
Is Hypo Alpe-Adria Bank AD's Retained Earnings too high?
Hypo Alpe-Adria Bank AD's current Retained Earnings is BAM49.77 Mil. Overall, Hypo Alpe-Adria Bank AD has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does Hypo Alpe-Adria Bank AD's Retained Earnings compare to PNC and USB?
Hypo Alpe-Adria Bank AD's Retained Earnings of BAM49.77 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 Hypo Alpe-Adria Bank AD and its competitors. Hypo Alpe-Adria Bank AD's current Retained Earnings is BAM49.77 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hypo Alpe-Adria Bank AD stock overvalued right now?
Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) has a current Retained Earnings of BAM49.77 Mil. The stock's GF Value™ is BAM1.31, compared to a current price of BAM1.14 — trading 13% below its estimated fair value. The current Retained Earnings is BAM49.77 Mil. Hypo Alpe-Adria Bank AD's overall GF Score™ is 18/100 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 Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A), the current Retained Earnings is BAM49.77 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 Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) Overvalued in 2026?

Based on GuruFocus' analysis, Hypo Alpe-Adria Bank AD stock appears to be undervalued. The current stock price of BAM1.14 is trading 13% below its estimated GF Value™ of BAM1.31.

Key valuation signals for XBLB:KRLB-R-A:

  • Retained Earnings: BAM49.77 Mil
  • GF Value™: BAM1.31 vs. price of BAM1.14 (13% below fair value)
  • GF Score™: 18/100 with 3 warning signs

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


Hypo Alpe-Adria Bank AD Business Description

Address No. 13, Aleja Svetog Save Street, Banja Luka, BIH, 78000
Hypo Alpe-Adria Bank AD is a bank. It is engaged in providing financial products and services. The company's operating segment includes Consumer; SME Business; Mortgage; Large Corporates; Public Finance; and Corporate Center. It offers products and services including loans, leasing, savings, currency exchange, mobile banking, advisory services, deposits, and investment banking services. It generates the majority of its revenue from the Consumer segment.
18GF Score

Get the complete analysis for XBLB:KRLB-R-A

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

BAM1.14
Price
BAM1.31
GF Value