Scotia Group Jamaica (XJAM:SGJ) Retained Earnings: JMD73,892 Mil (As of Jul. 2026)

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XJAM:SGJ Scotia Group Jamaica Ltd XJAM:SGJ
81 GF Score
Price JMD59.00
GF Value JMD62.73
Valuation Fairly Valued
! 4 Warning Signs
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What is Scotia Group Jamaica Retained Earnings?

Scotia Group Jamaica XJAM:SGJ -0.02% 81 Retained Earnings is JMD73,892 Mil as of Jul. 2026. GuruFocus rates XJAM:SGJ with a GF Score™ of 81/100 and a GF Value™ of JMD62.73 (Fairly Valued). The stock has 4 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Scotia Group Jamaica's retained earnings for the quarter that ended in Jul. 2026 was JMD73,892 Mil.

Scotia Group Jamaica's quarterly retained earnings stayed the same from Jan. 2026 (JMD69,892 Mil) to Apr. 2026 (JMD69,892 Mil) but then increased from Apr. 2026 (JMD69,892 Mil) to Jul. 2026 (JMD73,892 Mil).

Scotia Group Jamaica's annual retained earnings increased from Oct. 2023 (JMD49,892 Mil) to Oct. 2024 (JMD51,892 Mil) and increased from Oct. 2024 (JMD51,892 Mil) to Oct. 2025 (JMD65,892 Mil).


Scotia Group Jamaica  (XJAM:SGJ) 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.


Scotia Group Jamaica Retained Earnings Historical Data

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The historical data trend for Scotia Group Jamaica'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.

Scotia Group Jamaica Retained Earnings Chart

Scotia Group Jamaica Annual Data
Trend Oct16 Oct17 Oct18 Oct19 Oct20 Oct21 Oct22 Oct23 Oct24 Oct25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 45,891.77 45,891.77 49,891.77 51,891.77 65,891.77

Scotia Group Jamaica Quarterly Data
Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26 Jul26
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 65,891.77 65,891.77 69,891.77 69,891.77 73,891.77
XJAM:SGJ
81GF Score
Scotia Group Jamaica Ltd XJAM:SGJ
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Scotia Group Jamaica 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 JMD73,892 Mil mean?
Scotia Group Jamaica (XJAM:SGJ) has a Retained Earnings of JMD73,892 Mil as of Jul. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Scotia Group Jamaica and its competitors.
Is Scotia Group Jamaica's Retained Earnings too high?
Scotia Group Jamaica's current Retained Earnings is JMD73,892 Mil. Overall, Scotia Group Jamaica has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Scotia Group Jamaica's Retained Earnings compare to USB and PNC?
Scotia Group Jamaica's Retained Earnings of JMD73,892 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 Scotia Group Jamaica and its competitors. Scotia Group Jamaica's current Retained Earnings is JMD73,892 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Scotia Group Jamaica stock overvalued right now?
Based on GuruFocus' analysis, Scotia Group Jamaica (XJAM:SGJ) is currently considered Fairly Valued. The stock's GF Value™ is JMD62.73, compared to a current price of JMD59.00 — trading 5.9% below its estimated fair value. The current Retained Earnings is JMD73,892 Mil. Scotia Group Jamaica's overall GF Score™ is 81/100 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 Scotia Group Jamaica (XJAM:SGJ), the current Retained Earnings is JMD73,892 Mil as of Jul. 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 Scotia Group Jamaica (XJAM:SGJ) Overvalued in 2026?

Based on GuruFocus' analysis, Scotia Group Jamaica stock appears to be undervalued. The current stock price of JMD59.00 is trading 5.9% below its estimated GF Value™ of JMD62.73. GuruFocus considers Scotia Group Jamaica to be Fairly Valued.

Key valuation signals for XJAM:SGJ:

  • Retained Earnings: JMD73,892 Mil
  • GF Value™: JMD62.73 vs. price of JMD59.00 (5.9% below fair value)
  • GF Score™: 81/100 with 4 warning signs

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


Scotia Group Jamaica Business Description

Address Port Royal Streets, P.O. Box 709, Corner Duke, Scotiabank Centre, Kingston, JAM
Scotia Group Jamaica Ltd is a Jamaican financial holding company. It provides a range of financial services through its subsidiaries to personal, commercial, corporate, and government clients across Jamaica. The company has six business segments: Retail, Corporate and Commercial, Treasury, Investment Management Services, Insurance Services, and Others. It generates maximum revenue from the Retail banking segment. The retail banking segment includes personal banking services, personal deposit accounts, credit and debit cards, consumer loans, mortgages, and microfinance.
81GF Score

Get the complete analysis for XJAM:SGJ

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

JMD59.00
Price
JMD62.73
GF Value