Krajina osiguranje a.d (XBLB:KROS-R-A) Retained Earnings: BAM1.11 Mil (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
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.

XBLB:KROS-R-A Krajina osiguranje a.d XBLB:KROS-R-A
24 GF Score
Price BAM0.41
GF Value BAM0.44
! 1 Warning Sign
View Full Analysis

What is Krajina osiguranje a.d Retained Earnings?

Krajina osiguranje a.d XBLB:KROS-R-A 24 Retained Earnings is BAM1.11 Mil as of Mar. 2026. GuruFocus rates XBLB:KROS-R-A with a GF Score™ of 24/100 and a GF Value™ of BAM0.44. The stock has 1 warning sign investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Krajina osiguranje a.d's retained earnings for the quarter that ended in Mar. 2026 was BAM1.11 Mil.

Krajina osiguranje a.d's quarterly retained earnings declined from Sep. 2025 (BAM0.83 Mil) to Dec. 2025 (BAM0.59 Mil) but then increased from Dec. 2025 (BAM0.59 Mil) to Mar. 2026 (BAM1.11 Mil).

Krajina osiguranje a.d's annual retained earnings increased from Dec. 2023 (BAM-0.34 Mil) to Dec. 2024 (BAM0.13 Mil) and increased from Dec. 2024 (BAM0.13 Mil) to Dec. 2025 (BAM0.59 Mil).


Krajina osiguranje a.d  (XBLB:KROS-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.


Krajina osiguranje a.d Retained Earnings Historical Data

* Premium members only.

The historical data trend for Krajina osiguranje a.d'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.

Krajina osiguranje a.d Retained Earnings Chart

Krajina osiguranje a.d 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 -11.16 -10.82 -0.34 0.13 0.59

Krajina osiguranje a.d 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 0.17 0.33 0.83 0.59 1.11
XBLB:KROS-R-A
24GF Score
Krajina osiguranje a.d XBLB:KROS-R-A
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Krajina osiguranje a.d 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 BAM1.11 Mil mean?
Krajina osiguranje a.d (XBLB:KROS-R-A) has a Retained Earnings of BAM1.11 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Krajina osiguranje a.d and its competitors.
Is Krajina osiguranje a.d's Retained Earnings too high?
Krajina osiguranje a.d's current Retained Earnings is BAM1.11 Mil. Overall, Krajina osiguranje a.d has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does Krajina osiguranje a.d's Retained Earnings compare to competitors?
Krajina osiguranje a.d's Retained Earnings of BAM1.11 Mil can be compared against companies in the Insurance 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 an Insurance company?
A good Retained Earnings depends on the Insurance 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 Krajina osiguranje a.d and its competitors. Krajina osiguranje a.d's current Retained Earnings is BAM1.11 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Krajina osiguranje a.d stock overvalued right now?
Krajina osiguranje a.d (XBLB:KROS-R-A) has a current Retained Earnings of BAM1.11 Mil. The stock's GF Value™ is BAM0.44, compared to a current price of BAM0.41 — trading 5.9% below its estimated fair value. The current Retained Earnings is BAM1.11 Mil. Krajina osiguranje a.d's overall GF Score™ is 24/100 with 1 warning sign 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 Krajina osiguranje a.d (XBLB:KROS-R-A), the current Retained Earnings is BAM1.11 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 Krajina osiguranje a.d (XBLB:KROS-R-A) Overvalued in 2026?

Based on GuruFocus' analysis, Krajina osiguranje a.d stock appears to be undervalued. The current stock price of BAM0.41 is trading 5.9% below its estimated GF Value™ of BAM0.44.

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

  • Retained Earnings: BAM1.11 Mil
  • GF Value™: BAM0.44 vs. price of BAM0.41 (5.9% below fair value)
  • GF Score™: 24/100 with 1 warning sign

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


Krajina osiguranje a.d Business Description

Address Brace Pantic 2, Banja Luka, BIH, 78000
Krajina osiguranje a.d operates as an insurance company in Bosnia and Herzegovina. The company offers different types of insurance, such as property insurance, traffic, and face insurance.
24GF Score

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

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

BAM0.41
Price
BAM0.44
GF Value