Profile Systems & Software SA (PROF) - Net Assets
Based on the latest financial reports, Profile Systems & Software SA (PROF) has net assets worth €40.16 Million EUR (≈ $46.95 Million USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€87.73 Million ≈ $102.56 Million USD) and total liabilities (€47.57 Million ≈ $55.61 Million 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. Check PROF intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €40.16 Million |
| % of Total Assets | 45.78% |
| Annual Growth Rate | 8.9% |
| 5-Year Change | 61.01% |
| 10-Year Change | 132.47% |
| Growth Volatility | 4.19 |
Profile Systems & Software SA - Net Assets Trend (2014–2025)
This chart illustrates how Profile Systems & Software SA's net assets have evolved over time, based on quarterly financial data. See Profile Systems & Software SA (PROF) liquidity interval to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Profile Systems & Software SA (2014–2025)
The table below shows the annual net assets of Profile Systems & Software SA from 2014 to 2025. For live valuation and market cap data, see market value of Profile Systems & Software SA.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €40.16 Million ≈ $46.95 Million |
+10.67% |
| 2024-12-31 | €36.29 Million ≈ $42.42 Million |
+13.80% |
| 2023-12-31 | €31.89 Million ≈ $37.28 Million |
+13.95% |
| 2022-12-31 | €27.98 Million ≈ $32.71 Million |
+12.19% |
| 2021-12-31 | €24.94 Million ≈ $29.16 Million |
+13.64% |
| 2020-12-31 | €21.95 Million ≈ $25.66 Million |
+11.25% |
| 2019-12-31 | €19.73 Million ≈ $23.07 Million |
+6.22% |
| 2018-12-31 | €18.58 Million ≈ $21.72 Million |
+2.32% |
| 2017-12-31 | €18.15 Million ≈ $21.22 Million |
+5.09% |
| 2016-12-31 | €17.27 Million ≈ $20.20 Million |
+3.51% |
| 2015-12-31 | €16.69 Million ≈ $19.51 Million |
+6.13% |
| 2014-12-31 | €15.72 Million ≈ $18.38 Million |
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Equity Component Analysis
This analysis shows how different components contribute to Profile Systems & Software SA'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 112.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €15.68 Million | 38.94% |
| Other Components | €24.59 Million | 61.06% |
| Total Equity | €40.27 Million | 100.00% |
Profile Systems & Software SA Competitors by Market Cap
The table below lists competitors of Profile Systems & Software SA ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Zur Shamir Holdings Ltd
TA:ZUR
|
$182.56 Million |
|
Proficient Auto Logistics, Inc. Common Stock
NASDAQ:PAL
|
$182.60 Million |
|
Goliath Resources Ltd
V:GOT
|
$182.64 Million |
|
Duos Technologies Group Inc
NASDAQ:DUOT
|
$182.66 Million |
|
Bank Woori Saudara Indonesia 1906
JK:SDRA
|
$182.51 Million |
|
Capitan Silver Corp.
V:CAPT
|
$182.51 Million |
|
Barings Participation Investors (the Trust)
NYSE:MPV
|
$182.50 Million |
|
Helix Acquisition Corp. II Class A Ordinary Shares
NASDAQ:HLXB
|
$182.47 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Profile Systems & Software SA's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 36,395,345 to 40,267,705, a change of 3,872,360 (10.6%).
- Net income of 6,352,388 contributed positively to equity growth.
- Dividend payments of 1,599,979 reduced retained earnings.
- Share repurchases of 644,198 reduced equity.
- New share issuances of 66,300 increased equity.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €6.35 Million | +15.78% |
| Dividends Paid | €1.60 Million | -3.97% |
| Share Repurchases | €644.20K | -1.6% |
| Share Issuances | €66.30K | +0.16% |
| Other Changes | €-302.15K | -0.75% |
| Total Change | €- | 10.64% |
Book Value vs Market Value Analysis
This analysis compares Profile Systems & Software SA'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: 4.63x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 9.28x to 4.63x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2018-12-31 | €0.82 | €7.59 | x |
| 2019-12-31 | €0.88 | €7.59 | x |
| 2020-12-31 | €0.94 | €7.59 | x |
| 2021-12-31 | €1.04 | €7.59 | x |
| 2022-12-31 | €1.17 | €7.59 | x |
| 2023-12-31 | €1.31 | €7.59 | x |
| 2024-12-31 | €1.48 | €7.59 | x |
| 2025-12-31 | €1.64 | €7.59 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Profile Systems & Software SA 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): 15.78%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 13.37%
- • Asset Turnover: 0.54x
- • Equity Multiplier: 2.18x
- Recent ROE (15.78%) is above the historical average (8.93%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2014 | 5.57% | 9.13% | 0.35x | 1.77x | €-700.03K |
| 2015 | 5.47% | 9.77% | 0.31x | 1.78x | €-760.79K |
| 2016 | 3.23% | 6.04% | 0.25x | 2.13x | €-1.17 Million |
| 2017 | 5.60% | 8.83% | 0.31x | 2.04x | €-802.80K |
| 2018 | 6.76% | 9.12% | 0.39x | 1.92x | €-604.31K |
| 2019 | 8.91% | 11.21% | 0.44x | 1.82x | €-216.05K |
| 2020 | 4.11% | 6.03% | 0.40x | 1.69x | €-1.30 Million |
| 2021 | 8.80% | 10.96% | 0.46x | 1.73x | €-301.20K |
| 2022 | 15.56% | 17.39% | 0.53x | 1.69x | €1.56 Million |
| 2023 | 12.04% | 12.80% | 0.54x | 1.74x | €653.56K |
| 2024 | 15.35% | 13.94% | 0.59x | 1.86x | €1.95 Million |
| 2025 | 15.78% | 13.37% | 0.54x | 2.18x | €2.33 Million |
Industry Comparison
This section compares Profile Systems & Software SA's net assets metrics with peer companies in the Software - Application industry.
Industry Context
- Industry: Software - Application
- Average net assets among peers: $6,257,200
- Average return on equity (ROE) among peers: -7.57%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Profile Systems & Software SA (PROF) | €40.16 Million | 5.57% | 1.18x | $182.51 Million |
| Ilyda SA (ILYDA) | $3.84 Million | -5.63% | 1.08x | $58.70 Million |
| Logismos Information Systems S.A (LOGISMOS) | $5.94 Million | -3.48% | 0.41x | $10.05 Million |
| Quality & Reliability A.B.E.E (QUAL) | $2.29 Million | -27.55% | 2.26x | $42.31 Million |
| Space Hellas SA (SPACE) | $12.96 Million | 6.38% | 2.29x | $46.75 Million |
About Profile Systems & Software SA
Profile Systems & Software SA develops software solutions for the banking and investment management industry in Europe, the Middle East, America, Asia, and Africa. The company's products include Axia, a web-based omni-channel and MiFID II enabled investment management solution; Finuevo Digital, a digital banking platform; Finuevo Core, an API-driven, cloud-enabled and banking platform; Acumen.plu… Read more