Kalika Laghubitta Bittiyanstha (XNEP:KMCDB) Retained Earnings: NPR100.8 Mil (As of Jul. 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.

XNEP:KMCDB Kalika Laghubitta Bittiya Sanstha Ltd XNEP:KMCDB
72 GF Score
Price NPR772.00
GF Value NPR1,385.47
Valuation Significantly Undervalued
View Full Analysis

What is Kalika Laghubitta Bittiyanstha Retained Earnings?

Kalika Laghubitta Bittiyanstha XNEP:KMCDB +0.12% 72 Retained Earnings is NPR100.8 Mil as of Jul. 2026. GuruFocus rates XNEP:KMCDB with a GF Score™ of 72/100 and a GF Value™ of NPR1,385.47 (Significantly Undervalued).

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Kalika Laghubitta Bittiyanstha's retained earnings for the quarter that ended in Jul. 2026 was NPR100.8 Mil.

Kalika Laghubitta Bittiyanstha's quarterly retained earnings declined from Jan. 2026 (NPR46.0 Mil) to Apr. 2026 (NPR0.0 Mil) but then increased from Apr. 2026 (NPR0.0 Mil) to Jul. 2026 (NPR100.8 Mil).

Kalika Laghubitta Bittiyanstha's annual retained earnings increased from Jul. 2024 (NPR39.3 Mil) to Jul. 2025 (NPR55.6 Mil) and increased from Jul. 2025 (NPR55.6 Mil) to Jul. 2026 (NPR100.8 Mil).


Kalika Laghubitta Bittiyanstha  (XNEP:KMCDB) 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.


Kalika Laghubitta Bittiyanstha Retained Earnings Historical Data

* Premium members only.

The historical data trend for Kalika Laghubitta Bittiyanstha'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.

Kalika Laghubitta Bittiyanstha Retained Earnings Chart

Kalika Laghubitta Bittiyanstha Annual Data
Trend Jul16 Jul17 Jul18 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25 Jul26
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 91.63 33.08 39.33 55.56 100.78

Kalika Laghubitta Bittiyanstha 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 55.56 73.64 46.01 0.00 100.78
XNEP:KMCDB
72GF Score
Kalika Laghubitta Bittiya Sanstha Ltd XNEP:KMCDB
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Kalika Laghubitta Bittiyanstha 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 NPR100.8 Mil mean?
Kalika Laghubitta Bittiyanstha (XNEP:KMCDB) has a Retained Earnings of NPR100.8 Mil as of Jul. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Kalika Laghubitta Bittiyanstha and its competitors.
Is Kalika Laghubitta Bittiyanstha's Retained Earnings too high?
Kalika Laghubitta Bittiyanstha's current Retained Earnings is NPR100.8 Mil. Overall, Kalika Laghubitta Bittiyanstha has a GF Score™ of 72/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kalika Laghubitta Bittiyanstha's Retained Earnings compare to competitors?
Kalika Laghubitta Bittiyanstha's Retained Earnings of NPR100.8 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 Kalika Laghubitta Bittiyanstha and its competitors. Kalika Laghubitta Bittiyanstha's current Retained Earnings is NPR100.8 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kalika Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Kalika Laghubitta Bittiyanstha (XNEP:KMCDB) is currently considered Significantly Undervalued. The stock's GF Value™ is NPR1,385.47, compared to a current price of NPR772.00 — trading 44.3% below its estimated fair value. The current Retained Earnings is NPR100.8 Mil. Kalika Laghubitta Bittiyanstha's overall GF Score™ is 72/100. 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 Kalika Laghubitta Bittiyanstha (XNEP:KMCDB), the current Retained Earnings is NPR100.8 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 Kalika Laghubitta Bittiyanstha (XNEP:KMCDB) Overvalued in 2026?

Based on GuruFocus' analysis, Kalika Laghubitta Bittiyanstha stock appears to be undervalued. The current stock price of NPR772.00 is trading 44.3% below its estimated GF Value™ of NPR1,385.47. GuruFocus considers Kalika Laghubitta Bittiyanstha to be Significantly Undervalued.

Key valuation signals for XNEP:KMCDB:

  • Retained Earnings: NPR100.8 Mil
  • GF Value™: NPR1,385.47 vs. price of NPR772.00 (44.3% below fair value)
  • GF Score™: 72/100

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


Kalika Laghubitta Bittiyanstha Business Description

Address Buddhachowk, Pokhara-10, Kaski, NPL
Kalika Laghubitta Bittiya Sanstha Ltd is a licensed bank in Nepal. It provides retail microfinance services to the economically and socially disadvantaged and deprived people. It offers saving products including compulsory saving, personal saving, pension saving, festival saving, and optional saving. It also offers loan products including general loans, collateral loans, emergency loans, micro-entrepreneur loans, and group agricultural loans.
72GF Score

Get the complete analysis for XNEP:KMCDB

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

NPR772.00
Price
NPR1,385.47
GF Value