Eurobank Ergasias Services and Holdings S.A. (EUROB) - Net Assets
Based on the latest financial reports, Eurobank Ergasias Services and Holdings S.A. (EUROB) has net assets worth €9.78 Billion EUR (≈ $11.43 Billion USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€102.98 Billion ≈ $120.39 Billion USD) and total liabilities (€93.20 Billion ≈ $108.96 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Read EUROB total liabilities for a breakdown of total debt and financial obligations.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €9.78 Billion |
| % of Total Assets | 9.5% |
| Annual Growth Rate | 3.51% |
| 5-Year Change | 69.12% |
| 10-Year Change | 24.78% |
| Growth Volatility | 18.04 |
Eurobank Ergasias Services and Holdings S.A. - Net Assets Trend (2014–2024)
This chart illustrates how Eurobank Ergasias Services and Holdings S.A.'s net assets have evolved over time, based on quarterly financial data. Also explore Eurobank Ergasias Services and Holdings assets under control for the complete picture of this company's asset base.
Annual Net Assets for Eurobank Ergasias Services and Holdings S.A. (2014–2024)
The table below shows the annual net assets of Eurobank Ergasias Services and Holdings S.A. from 2014 to 2024. For live valuation and market cap data, see Eurobank Ergasias Services and Holdings stock valuation.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | €8.90 Billion ≈ $10.40 Billion |
+12.66% |
| 2023-12-31 | €7.90 Billion ≈ $9.23 Billion |
+19.27% |
| 2022-12-31 | €6.62 Billion ≈ $7.74 Billion |
+19.57% |
| 2021-12-31 | €5.54 Billion ≈ $6.48 Billion |
+5.26% |
| 2020-12-31 | €5.26 Billion ≈ $6.15 Billion |
-21.07% |
| 2019-12-31 | €6.67 Billion ≈ $7.79 Billion |
+32.20% |
| 2018-12-31 | €5.04 Billion ≈ $5.90 Billion |
-29.44% |
| 2017-12-31 | €7.15 Billion ≈ $8.36 Billion |
+5.82% |
| 2016-12-31 | €6.75 Billion ≈ $7.90 Billion |
-5.30% |
| 2015-12-31 | €7.13 Billion ≈ $8.34 Billion |
+13.13% |
| 2014-12-31 | €6.30 Billion ≈ $7.37 Billion |
-- |
Equity Component Analysis
This analysis shows how different components contribute to Eurobank Ergasias Services and Holdings S.A.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 837300000000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | €8.90 Billion | 100.00% |
| Total Equity | €8.90 Billion | 100.00% |
Eurobank Ergasias Services and Holdings S.A. Competitors by Market Cap
The table below lists competitors of Eurobank Ergasias Services and Holdings S.A. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
IREN Ltd
NASDAQ:IREN
|
$12.89 Billion |
|
URW (STAPL.SHS CDI)EO-05
F:UBLB
|
$12.89 Billion |
|
Meritz Financi
KO:138040
|
$12.89 Billion |
|
BB Seguridade Participacoes SA
SA:BBSE3
|
$12.90 Billion |
|
Aptiv PLC
NYSE:APTV
|
$12.87 Billion |
|
POWSZECHNY Z.U.ADR /1 ZY1
F:7PZ0
|
$12.87 Billion |
|
Kingspan Group plc
IR:KRX
|
$12.85 Billion |
|
Okta Inc
NASDAQ:OKTA
|
$12.84 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Eurobank Ergasias Services and Holdings S.A.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 7,899,000,000 to 8,899,000,000, a change of 1,000,000,000 (12.7%).
- Net income of 1,448,000,000 contributed positively to equity growth.
- Dividend payments of 342,000,000 reduced retained earnings.
- Other factors decreased equity by 106,000,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €1.45 Billion | +16.27% |
| Dividends Paid | €342.00 Million | -3.84% |
| Other Changes | €-106.00 Million | -1.19% |
| Total Change | €- | 12.66% |
Book Value vs Market Value Analysis
This analysis compares Eurobank Ergasias Services and Holdings S.A.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.52x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2018-12-31 | €2.31 | €3.68 | x |
| 2019-12-31 | €1.80 | €3.68 | x |
| 2020-12-31 | €1.42 | €3.68 | x |
| 2021-12-31 | €1.49 | €3.68 | x |
| 2022-12-31 | €1.78 | €3.68 | x |
| 2023-12-31 | €2.16 | €3.68 | x |
| 2024-12-31 | €2.42 | €3.68 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Eurobank Ergasias Services and Holdings S.A. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 16.27%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 44.95%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 11.37x
- Recent ROE (16.27%) is above the historical average (-0.52%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2014 | -26.45% | 0.00% | -0.01x | 16.38x | €-1.68 Billion |
| 2015 | -21.59% | 0.00% | -0.01x | 13.45x | €-1.73 Billion |
| 2016 | 3.48% | 21.82% | 0.02x | 9.84x | €-440.40 Million |
| 2017 | 1.46% | 9.20% | 0.02x | 8.40x | €-610.70 Million |
| 2018 | 1.84% | 7.88% | 0.02x | 11.50x | €-411.30 Million |
| 2019 | 1.90% | 10.84% | 0.02x | 9.71x | €-539.70 Million |
| 2020 | -23.05% | -55.64% | 0.03x | 12.87x | €-1.74 Billion |
| 2021 | 5.92% | 17.25% | 0.02x | 14.06x | €-225.90 Million |
| 2022 | 20.08% | 47.33% | 0.03x | 12.30x | €667.70 Million |
| 2023 | 14.43% | 40.48% | 0.04x | 10.10x | €350.10 Million |
| 2024 | 16.27% | 44.95% | 0.03x | 11.37x | €558.10 Million |
Industry Comparison
This section compares Eurobank Ergasias Services and Holdings S.A.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $5,541,805,134
- Average return on equity (ROE) among peers: 15.24%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Eurobank Ergasias Services and Holdings S.A. (EUROB) | €9.78 Billion | -26.45% | 9.53x | $12.88 Billion |
| Alpha Services and Holdings S.A. (ALPHA) | $8.48 Billion | 1.14% | 6.49x | $8.40 Billion |
| National Bank of Greece S.A (ETE) | $8.45 Billion | 13.70% | 7.87x | $11.93 Billion |
| Attica Bank S.A. (TATT) | $-54.59 Million | 0.00% | 0.00x | $2.54 Billion |
| Bank of Greece (TELL) | $815.50 Million | 80.26% | 125.50x | $319.82 Million |
| Piraeus Financial Holdings S.A (TPEIR) | $10.02 Billion | -18.89% | 7.78x | $8.39 Billion |
About Eurobank Ergasias Services and Holdings S.A.
Eurobank Ergasias Services and Holdings S.A., together with its subsidiaries, provides retail banking, corporate and private banking, asset management, treasury, capital markets, and other services primarily in Greece, rest of Europe, and internationally. It operates through Retail, Corporate, Global Markets & Asset Management, International, and Investment Property. The company offers current ac… Read more