Clientele Net Asset Quality Index
Clientele net asset quality index. Clientele (CLI) has a Net Asset Quality Index of 29.4% as of June 2025. This metric measures the proportion of total assets financed by shareholders' equity — total assets of ZAC20.07 Billion minus total liabilities of ZAC14.17 Billion yields net assets of ZAC5.91 Billion. A higher index indicates a stronger, lower-leverage balance sheet. Check Clientele earnings quality ratio to evaluate the quality of earnings relative to operating cash generation.
Quality Index
Net Assets
Total Assets
Total Liabilities
Net Asset Quality Index of Clientele (2003–2025)
Net asset quality index of Clientele from 2003 to 2025. This chart shows how Clientele's Net Asset Quality Index has evolved across 23 annual periods from 2003 to 2025. As of June 2025, the index stands at 29.4%, representing net assets of ZAC5.91 Billion against total assets of ZAC20.07 Billion ZAC. See Clientele shareholders equity for net asset value and shareholders' equity analysis.
Clientele Net Asset Quality Index by Year (2003–2025)
Clientele net asset quality index by year from 2003 to 2025. The table below presents the year-by-year Net Asset Quality Index for Clientele from 2003 to 2025, covering 23 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For live market cap and overall valuation, see Clientele market cap and net worth.
| Year | Quality Index | Net Assets (ZAC) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 29.4% | ZAC5.91 Billion | ZAC20.07 Billion | ZAC14.17 Billion | ▲ +0.4 pp |
| 2024 | 29.1% | ZAC3.28 Billion | ZAC11.29 Billion | ZAC8.01 Billion | ▲ +19.4 pp |
| 2023 | 9.6% | ZAC1.17 Billion | ZAC12.16 Billion | ZAC10.98 Billion | ▼ -1.3 pp |
| 2022 | 10.9% | ZAC1.14 Billion | ZAC10.48 Billion | ZAC9.34 Billion | ▼ -0.2 pp |
| 2021 | 11.1% | ZAC1.08 Billion | ZAC9.74 Billion | ZAC8.65 Billion | ▲ +0.6 pp |
| 2020 | 10.5% | ZAC1.01 Billion | ZAC9.70 Billion | ZAC8.68 Billion | ▼ -1.7 pp |
| 2019 | 12.2% | ZAC1.13 Billion | ZAC9.25 Billion | ZAC8.13 Billion | ▼ -11.8 pp |
| 2018 | 23.9% | ZAC1.13 Billion | ZAC4.72 Billion | ZAC3.59 Billion | ▼ -6.9 pp |
| 2017 | 30.9% | ZAC1.02 Billion | ZAC3.29 Billion | ZAC2.28 Billion | ▲ +1.2 pp |
| 2016 | 29.7% | ZAC865.55 Million | ZAC2.92 Billion | ZAC2.05 Billion | ▲ +2.8 pp |
| 2015 | 26.9% | ZAC740.20 Million | ZAC2.76 Billion | ZAC2.01 Billion | ▲ +3.5 pp |
| 2014 | 23.4% | ZAC618.85 Million | ZAC2.65 Billion | ZAC2.03 Billion | ▲ +5.5 pp |
| 2013 | 17.9% | ZAC529.42 Million | ZAC2.96 Billion | ZAC2.43 Billion | ▲ +3.0 pp |
| 2012 | 14.9% | ZAC440.00 Million | ZAC2.95 Billion | ZAC2.51 Billion | ▲ +0.8 pp |
| 2011 | 14.1% | ZAC353.22 Million | ZAC2.50 Billion | ZAC2.15 Billion | ▼ -1.1 pp |
| 2010 | 15.2% | ZAC304.90 Million | ZAC2.00 Billion | ZAC1.70 Billion | ▼ -0.2 pp |
| 2009 | 15.4% | ZAC279.30 Million | ZAC1.81 Billion | ZAC1.53 Billion | ▲ +0.8 pp |
| 2008 | 14.6% | ZAC217.79 Million | ZAC1.49 Billion | ZAC1.28 Billion | ▲ +1.3 pp |
| 2007 | 13.3% | ZAC169.55 Million | ZAC1.27 Billion | ZAC1.10 Billion | ▲ +1.4 pp |
| 2006 | 11.9% | ZAC123.61 Million | ZAC1.04 Billion | ZAC917.63 Million | ▼ -81.3 pp |
| 2005 | 93.2% | ZAC807.38 Million | ZAC866.33 Million | ZAC58.95 Million | ▲ +3.5 pp |
| 2004 | 89.7% | ZAC417.04 Million | ZAC464.95 Million | ZAC47.90 Million | ▲ +2.1 pp |
| 2003 | 87.6% | ZAC252.13 Million | ZAC287.79 Million | ZAC35.66 Million | — |