YFGSF (Yamaguchi Financial Group) Retained Earnings: $3,686 Mil (As of Mar. 2026)


YFGSF Yamaguchi Financial Group Inc YFGSF
64 GF Score
Price $5.62
GF Value $4.44
! 6 Warning Signs
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What is Yamaguchi Financial Group Retained Earnings?

Yamaguchi Financial Group YFGSF 64 Retained Earnings is $3,686 Mil as of Mar. 2026. GuruFocus rates YFGSF with a GF Score™ of 64/100 and a GF Value™ of $4.44. The stock has 6 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Yamaguchi Financial Group's retained earnings for the quarter that ended in Mar. 2026 was $3,686 Mil.

Yamaguchi Financial Group's quarterly retained earnings declined from Sep. 2025 ($3,922 Mil) to Dec. 2025 ($3,723 Mil) and declined from Dec. 2025 ($3,723 Mil) to Mar. 2026 ($3,686 Mil).

Yamaguchi Financial Group's annual retained earnings increased from Mar. 2024 ($3,607 Mil) to Mar. 2025 ($3,789 Mil) but then declined from Mar. 2025 ($3,789 Mil) to Mar. 2026 ($3,686 Mil).


Yamaguchi Financial Group  (OTCPK:YFGSF) 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.


Yamaguchi Financial Group Retained Earnings Historical Data

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The historical data trend for Yamaguchi Financial Group'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.

Yamaguchi Financial Group Retained Earnings Chart

Yamaguchi Financial Group Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4,311.56 3,911.99 3,607.22 3,788.79 3,685.51

Yamaguchi Financial Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 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 3,788.79 3,931.54 3,922.02 3,723.05 3,685.51
YFGSF
64GF Score
Yamaguchi Financial Group Inc YFGSF
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Yamaguchi Financial Group 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 $3,686 Mil mean?
Yamaguchi Financial Group (YFGSF) has a Retained Earnings of $3,686 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Yamaguchi Financial Group and its competitors.
Is Yamaguchi Financial Group's Retained Earnings too high?
Yamaguchi Financial Group's current Retained Earnings is $3,686 Mil. Overall, Yamaguchi Financial Group has a GF Score™ of 64/100, reflecting its overall financial health beyond just this single metric.
How does Yamaguchi Financial Group's Retained Earnings compare to competitors?
Yamaguchi Financial Group's Retained Earnings of $3,686 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 Yamaguchi Financial Group and its competitors. Yamaguchi Financial Group's current Retained Earnings is $3,686 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yamaguchi Financial Group stock overvalued right now?
Yamaguchi Financial Group (YFGSF) has a current Retained Earnings of $3,686 Mil. The stock's GF Value™ is $4.44, compared to a current price of $5.62 — trading 26.6% above its estimated fair value. The current Retained Earnings is $3,686 Mil. Yamaguchi Financial Group's overall GF Score™ is 64/100 with 6 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 Yamaguchi Financial Group (YFGSF), the current Retained Earnings is $3,686 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 Yamaguchi Financial Group (YFGSF) Overvalued in 2026?

Based on GuruFocus' analysis, Yamaguchi Financial Group stock appears to be overvalued. The current stock price of $5.62 is trading 26.6% above its estimated GF Value™ of $4.44.

Key valuation signals for YFGSF:

  • Retained Earnings: $3,686 Mil
  • GF Value™: $4.44 vs. price of $5.62 (26.6% above fair value)
  • GF Score™: 64/100 with 6 warning signs

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


Yamaguchi Financial Group Business Description

Other Exchanges 8418:Japan
Address 4-2-36 Takezakicho, Yamaguchi Prefecture, Shimonoseki, JPN, 750-8603
Yamaguchi Financial Group Inc is a Japan-based holding company that is principally engaged in providing financial products and services, such as deposits, loans, leasing, foreign exchange transactions, securities business, credit card business, and others. The company operates through a number of subsidiaries, such as Yamaguchi Bank, Momiji Bank, Kitakyushu Bank, and YM Securities. The company's business operations are concentrated within a branch network in Japan, and the firm generates the majority of its income from the domestic market. The company also has a business presence in overseas markets, such as mainland China and Hong Kong.
64GF Score

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

$5.62
Price
$4.44
GF Value