Sterling Investments (XJAM:SIL) Retained Earnings: JMD539.0 Mil (As of Mar. 2026)

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XJAM:SIL Sterling Investments Ltd XJAM:SIL
67 GF Score
Price JMD3.00
GF Value JMD2.59
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Sterling Investments Retained Earnings?

Sterling Investments XJAM:SIL +5.26% 67 Retained Earnings is JMD539.0 Mil as of Mar. 2026. GuruFocus rates XJAM:SIL with a GF Score™ of 67/100 and a GF Value™ of JMD2.59 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Sterling Investments's retained earnings for the quarter that ended in Mar. 2026 was JMD539.0 Mil.

Sterling Investments's quarterly retained earnings increased from Sep. 2025 (JMD529.5 Mil) to Dec. 2025 (JMD545.5 Mil) but then declined from Dec. 2025 (JMD545.5 Mil) to Mar. 2026 (JMD539.0 Mil).

Sterling Investments's annual retained earnings increased from Dec. 2023 (JMD468.8 Mil) to Dec. 2024 (JMD495.0 Mil) and increased from Dec. 2024 (JMD495.0 Mil) to Dec. 2025 (JMD545.5 Mil).


Sterling Investments  (XJAM:SIL) 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.


Sterling Investments Retained Earnings Historical Data

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The historical data trend for Sterling Investments'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.

Sterling Investments Retained Earnings Chart

Sterling Investments 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 458.77 426.95 468.80 494.96 545.55

Sterling Investments Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 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 541.89 545.97 529.47 545.55 538.97
XJAM:SIL
67GF Score
Sterling Investments Ltd XJAM:SIL
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Sterling Investments 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 JMD539.0 Mil mean?
Sterling Investments (XJAM:SIL) has a Retained Earnings of JMD539.0 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Sterling Investments and its competitors.
Is Sterling Investments' Retained Earnings too high?
Sterling Investments' current Retained Earnings is JMD539.0 Mil. Overall, Sterling Investments has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sterling Investments' Retained Earnings compare to MS and GS?
Sterling Investments' Retained Earnings of JMD539.0 Mil can be compared against companies in the Capital Markets 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 Capital Markets company?
A good Retained Earnings depends on the Capital Markets 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 Sterling Investments and its competitors. Sterling Investments's current Retained Earnings is JMD539.0 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sterling Investments stock overvalued right now?
Based on GuruFocus' analysis, Sterling Investments (XJAM:SIL) is currently considered Modestly Overvalued. The stock's GF Value™ is JMD2.59, compared to a current price of JMD3.00 — trading 15.8% above its estimated fair value. The current Retained Earnings is JMD539.0 Mil. Sterling Investments' overall GF Score™ is 67/100 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 Sterling Investments (XJAM:SIL), the current Retained Earnings is JMD539.0 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 Sterling Investments (XJAM:SIL) Overvalued in 2026?

Based on GuruFocus' analysis, Sterling Investments stock appears to be overvalued. The current stock price of JMD3.00 is trading 15.8% above its estimated GF Value™ of JMD2.59. GuruFocus considers Sterling Investments to be Modestly Overvalued.

Key valuation signals for XJAM:SIL:

  • Retained Earnings: JMD539.0 Mil
  • GF Value™: JMD2.59 vs. price of JMD3.00 (15.8% above fair value)
  • GF Score™: 67/100 with 4 warning signs

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


Sterling Investments Business Description

Address 40 Knutsford Boulevard, 3rd Floor, Kingston 5, Kingston, JAM
Sterling Investments Ltd is an investment holding company. It invests in an array of high-quality fixed-income securities denominated in United States dollars. It generates income through interest income earned on the securities in the portfolio and through capital gains as a result of an increase in the price of the securities. The company focused on generating higher risk-adjusted returns through the active purchase and sale of financial instruments in the international capital markets. The company invests mainly in hard currencies and in developed markets to provide local and regional institutional and retail investors with sustainable growth and diversification.
67GF Score

Get the complete analysis for XJAM:SIL

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

JMD3.00
Price
JMD2.59
GF Value