Agriculture Development Bank (XNEP:ADBL) Retained Earnings: NPR1,293 Mil (As of Apr. 2026)

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XNEP:ADBL Agriculture Development Bank Ltd XNEP:ADBL
57 GF Score
Price NPR297.00
GF Value NPR677.21
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Agriculture Development Bank Retained Earnings?

Agriculture Development Bank XNEP:ADBL 57 Retained Earnings is NPR1,293 Mil as of Apr. 2026. GuruFocus rates XNEP:ADBL with a GF Score™ of 57/100 and a GF Value™ of NPR677.21 (Significantly Undervalued). The stock has 2 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Agriculture Development Bank's retained earnings for the quarter that ended in Apr. 2026 was NPR1,293 Mil.

Agriculture Development Bank's quarterly retained earnings declined from Oct. 2025 (NPR2,520 Mil) to Jan. 2026 (NPR756 Mil) but then increased from Jan. 2026 (NPR756 Mil) to Apr. 2026 (NPR1,293 Mil).

Agriculture Development Bank's annual retained earnings increased from Jul. 2023 (NPR1,311 Mil) to Jul. 2024 (NPR2,200 Mil) and increased from Jul. 2024 (NPR2,200 Mil) to Jul. 2025 (NPR2,855 Mil).


Agriculture Development Bank  (XNEP:ADBL) 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.


Agriculture Development Bank Retained Earnings Historical Data

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The historical data trend for Agriculture Development Bank'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.

Agriculture Development Bank Retained Earnings Chart

Agriculture Development Bank Annual Data
Trend Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4,293.42 4,219.41 1,310.99 2,200.16 2,855.23

Agriculture Development Bank Quarterly Data
Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
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 1,975.01 2,855.23 2,520.38 756.38 1,293.06
XNEP:ADBL
57GF Score
Agriculture Development Bank Ltd XNEP:ADBL
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Agriculture Development Bank 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 NPR1,293 Mil mean?
Agriculture Development Bank (XNEP:ADBL) has a Retained Earnings of NPR1,293 Mil as of Apr. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Agriculture Development Bank and its competitors.
Is Agriculture Development Bank's Retained Earnings too high?
Agriculture Development Bank's current Retained Earnings is NPR1,293 Mil. Overall, Agriculture Development Bank has a GF Score™ of 57/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Agriculture Development Bank's Retained Earnings compare to competitors?
Agriculture Development Bank's Retained Earnings of NPR1,293 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 Agriculture Development Bank and its competitors. Agriculture Development Bank's current Retained Earnings is NPR1,293 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agriculture Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Agriculture Development Bank (XNEP:ADBL) is currently considered Significantly Undervalued. The stock's GF Value™ is NPR677.21, compared to a current price of NPR297.00 — trading 56.1% below its estimated fair value. The current Retained Earnings is NPR1,293 Mil. Agriculture Development Bank's overall GF Score™ is 57/100 with 2 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 Agriculture Development Bank (XNEP:ADBL), the current Retained Earnings is NPR1,293 Mil as of Apr. 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 Agriculture Development Bank (XNEP:ADBL) Overvalued in 2026?

Based on GuruFocus' analysis, Agriculture Development Bank stock appears to be undervalued. The current stock price of NPR297.00 is trading 56.1% below its estimated GF Value™ of NPR677.21. GuruFocus considers Agriculture Development Bank to be Significantly Undervalued.

Key valuation signals for XNEP:ADBL:

  • Retained Earnings: NPR1,293 Mil
  • GF Value™: NPR677.21 vs. price of NPR297.00 (56.1% below fair value)
  • GF Score™: 57/100 with 2 warning signs

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


Agriculture Development Bank Business Description

Address Ramshah Path, Kathmandu, NPL
Agriculture Development Bank Ltd is engaged in banking products and services. The company provides institutional credit for the agricultural sector in Nepal. It also offers fixed deposit accounts, savings accounts, Ba-Ama savings accounts, auto loans, education loans, residential loans, home loans and remittance services.
57GF Score

Get the complete analysis for XNEP:ADBL

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

NPR297.00
Price
NPR677.21
GF Value