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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Republic Bank (Ghana)'s retained earnings for the quarter that ended in Jun. 2026 was GHS296 Mil.
Republic Bank (Ghana)'s quarterly retained earnings
increased
from Jun. 2025 (GHS159 Mil) to Dec. 2025 (GHS238 Mil) and
increased
from Dec. 2025 (GHS238 Mil) to Jun. 2026 (GHS296 Mil).
Republic Bank (Ghana)'s annual retained earnings
increased
from Dec. 2023 (GHS-101 Mil) to Dec. 2024 (GHS35 Mil) and
increased
from Dec. 2024 (GHS35 Mil) to Dec. 2025 (GHS238 Mil).
Republic Bank (Ghana) (XGHA:RBGH) 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.
Republic Bank (Ghana) Retained Earnings Historical Data
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The historical data trend for Republic Bank (Ghana)'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.
Republic Bank (Ghana) 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.
Republic Bank (Ghana) (XGHA:RBGH) has a Retained Earnings of GHS296 Mil as of Jun. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Republic Bank (Ghana) and its competitors.
Is Republic Bank (Ghana)'s Retained Earnings too high?
Republic Bank (Ghana)'s current Retained Earnings is GHS296 Mil. Overall, Republic Bank (Ghana) has a GF Score™ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Republic Bank (Ghana)'s Retained Earnings compare to PNC?
Republic Bank (Ghana)'s Retained Earnings of GHS296 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 Republic Bank (Ghana) and its competitors. Republic Bank (Ghana)'s current Retained Earnings is GHS296 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Republic Bank (Ghana) stock overvalued right now?
Based on GuruFocus' analysis, Republic Bank (Ghana) (XGHA:RBGH) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS1.07, compared to a current price of GHS4.20 — trading 292.5% above its estimated fair value. The current Retained Earnings is GHS296 Mil. Republic Bank (Ghana)'s overall GF Score™ is 41/100 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 Republic Bank (Ghana) (XGHA:RBGH), the current Retained Earnings is GHS296 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 Republic Bank (Ghana) (XGHA:RBGH) Overvalued in 2026?
Based on GuruFocus' analysis, Republic Bank (Ghana) stock appears to be overvalued.
The current stock price of GHS4.20 is trading 292.5% above its estimated GF Value™ of GHS1.07.
GuruFocus considers Republic Bank (Ghana) to be Significantly Overvalued.
Key valuation signals for XGHA:RBGH:
Retained Earnings: GHS296 Mil
GF Value™: GHS1.07 vs. price of GHS4.20 (292.5% above fair value)
No single metric tells the full story. See the XGHA:RBGH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Republic Bank (Ghana) PLC is engaged in investment banking, corporate banking, retail banking, mortgage banking, asset management services, and property management and development. The Group operates through four reporting segments: retail banking, which incorporates private banking services, private customer current accounts, savings, deposits, investment savings products, custody, credit, and consumer loans; mortgage banking, which incorporates mortgage services; corporate banking, which generates maximum revenue and incorporates direct debit facilities, current accounts, deposits, overdrafts, loans, and foreign currency; and microfinance banking, which incorporates savings accounts, deposits, loans, and other credit facilities.
41GF Score
Get the complete analysis for XGHA:RBGH
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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