Commonwealth Bank of Australia (CBA) - Net Assets
Based on the latest financial reports, Commonwealth Bank of Australia (CBA) has net assets worth AU$77.23 Billion AUD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (AU$1.41 Trillion) and total liabilities (AU$1.33 Trillion). 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.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | AU$77.23 Billion |
| % of Total Assets | 5.48% |
| Annual Growth Rate | 8.85% |
| 5-Year Change | 0.11% |
| 10-Year Change | 29.66% |
| Growth Volatility | 39.06 |
Commonwealth Bank of Australia - Net Assets Trend (1991–2025)
This chart illustrates how Commonwealth Bank of Australia's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Commonwealth Bank of Australia (1991–2025)
The table below shows the annual net assets of Commonwealth Bank of Australia from 1991 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-06-30 | AU$78.78 Billion | +7.78% |
| 2024-06-30 | AU$73.09 Billion | +1.50% |
| 2023-06-30 | AU$72.00 Billion | -1.14% |
| 2022-06-30 | AU$72.84 Billion | -7.43% |
| 2021-06-30 | AU$78.69 Billion | +9.38% |
| 2020-06-30 | AU$71.94 Billion | +3.29% |
| 2019-06-30 | AU$69.65 Billion | +2.64% |
| 2018-06-30 | AU$67.86 Billion | +6.60% |
| 2017-06-30 | AU$63.66 Billion | +4.78% |
| 2016-06-30 | AU$60.76 Billion | +14.65% |
| 2015-06-30 | AU$52.99 Billion | +7.39% |
| 2014-06-30 | AU$49.35 Billion | +165.41% |
| 2013-06-30 | AU$18.59 Billion | -55.28% |
| 2012-06-30 | AU$41.57 Billion | +11.49% |
| 2011-06-30 | AU$37.29 Billion | +4.83% |
| 2010-06-30 | AU$35.57 Billion | +13.13% |
| 2009-06-30 | AU$31.44 Billion | +20.30% |
| 2008-06-30 | AU$26.14 Billion | +6.93% |
| 2007-06-30 | AU$24.44 Billion | +14.53% |
| 2006-06-30 | AU$21.34 Billion | -18.10% |
| 2005-06-30 | AU$26.06 Billion | +4.72% |
| 2004-06-30 | AU$24.89 Billion | +12.34% |
| 2003-06-30 | AU$22.15 Billion | +5.21% |
| 2002-06-30 | AU$21.06 Billion | +6.09% |
| 2001-06-30 | AU$19.85 Billion | +11.21% |
| 2000-06-30 | AU$17.85 Billion | +156.35% |
| 1999-06-30 | AU$6.96 Billion | +1.06% |
| 1998-06-30 | AU$6.89 Billion | -1.92% |
| 1997-06-30 | AU$7.02 Billion | -4.66% |
| 1996-06-30 | AU$7.37 Billion | +10.04% |
| 1995-06-30 | AU$6.70 Billion | +10.28% |
| 1994-06-30 | AU$6.07 Billion | +7.80% |
| 1993-06-30 | AU$5.63 Billion | +1.98% |
| 1992-06-30 | AU$5.52 Billion | +25.43% |
| 1991-06-30 | AU$4.40 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Commonwealth Bank of Australia'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 21466.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (June 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | AU$43.97 Billion | 55.82% |
| Common Stock | AU$33.77 Billion | 42.87% |
| Other Comprehensive Income | AU$1.24 Billion | 1.58% |
| Total Equity | AU$78.78 Billion | 100.00% |
Commonwealth Bank of Australia Competitors by Market Cap
The table below lists competitors of Commonwealth Bank of Australia ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Hermes International SCA
PA:RMS
|
$213.39 Billion |
|
PepsiCo Inc
NASDAQ:PEP
|
$215.48 Billion |
|
T-Mobile US Inc
NASDAQ:TMUS
|
$217.81 Billion |
|
McDonald’s Corporation
NYSE:MCD
|
$221.74 Billion |
|
Linde plc Ordinary Shares
NASDAQ:LIN
|
$210.18 Billion |
|
SAP SE
F:SAP
|
$208.86 Billion |
|
Arista Networks Inc
NEO:ANET
|
$206.87 Billion |
|
Texas Instruments Incorporated
NASDAQ:TXN
|
$205.49 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Commonwealth Bank of Australia's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 73,088,000,000 to 78,776,000,000, a change of 5,688,000,000 (7.8%).
- Net income of 10,116,000,000 contributed positively to equity growth.
- Dividend payments of 7,949,000,000 reduced retained earnings.
- Share repurchases of 154,000,000 reduced equity.
- Other comprehensive income increased equity by 3,389,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | AU$10.12 Billion | +12.84% |
| Dividends Paid | AU$7.95 Billion | -10.09% |
| Share Repurchases | AU$154.00 Million | -0.2% |
| Other Comprehensive Income | AU$3.39 Billion | +4.3% |
| Other Changes | AU$286.00 Million | +0.36% |
| Total Change | AU$- | 7.78% |
Book Value vs Market Value Analysis
This analysis compares Commonwealth Bank of Australia'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: 3.79x
- 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 23.72x to 3.79x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1991-06-30 | AU$7.52 | AU$178.23 | x |
| 1992-06-30 | AU$6.55 | AU$178.23 | x |
| 1993-06-30 | AU$6.58 | AU$178.23 | x |
| 1994-06-30 | AU$6.85 | AU$178.23 | x |
| 1995-06-30 | AU$7.25 | AU$178.23 | x |
| 1996-06-30 | AU$7.60 | AU$178.23 | x |
| 1997-06-30 | AU$7.65 | AU$178.23 | x |
| 1998-06-30 | AU$7.37 | AU$178.23 | x |
| 1999-06-30 | AU$7.47 | AU$178.23 | x |
| 2000-06-30 | AU$19.15 | AU$178.23 | x |
| 2001-06-30 | AU$15.67 | AU$178.23 | x |
| 2002-06-30 | AU$16.61 | AU$178.23 | x |
| 2003-06-30 | AU$15.58 | AU$178.23 | x |
| 2004-06-30 | AU$17.30 | AU$178.23 | x |
| 2005-06-30 | AU$18.85 | AU$178.23 | x |
| 2006-06-30 | AU$16.25 | AU$178.23 | x |
| 2007-06-30 | AU$18.31 | AU$178.23 | x |
| 2008-06-30 | AU$18.73 | AU$178.23 | x |
| 2009-06-30 | AU$20.66 | AU$178.23 | x |
| 2010-06-30 | AU$21.20 | AU$178.23 | x |
| 2011-06-30 | AU$23.66 | AU$178.23 | x |
| 2012-06-30 | AU$24.92 | AU$178.23 | x |
| 2013-06-30 | AU$25.34 | AU$178.23 | x |
| 2014-06-30 | AU$28.87 | AU$178.23 | x |
| 2015-06-30 | AU$30.64 | AU$178.23 | x |
| 2016-06-30 | AU$34.00 | AU$178.23 | x |
| 2017-06-30 | AU$34.75 | AU$178.23 | x |
| 2018-06-30 | AU$36.34 | AU$178.23 | x |
| 2019-06-30 | AU$36.69 | AU$178.23 | x |
| 2020-06-30 | AU$37.96 | AU$178.23 | x |
| 2021-06-30 | AU$40.68 | AU$178.23 | x |
| 2022-06-30 | AU$39.73 | AU$178.23 | x |
| 2023-06-30 | AU$40.00 | AU$178.23 | x |
| 2024-06-30 | AU$40.97 | AU$178.23 | x |
| 2025-06-30 | AU$47.03 | AU$178.23 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Commonwealth Bank of Australia 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): 12.84%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 14.50%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 17.19x
- Recent ROE (12.84%) is below the historical average (14.82%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1991 | 20.06% | 21.46% | 0.05x | 20.28x | AU$442.99 Million |
| 1992 | 7.40% | 8.78% | 0.05x | 16.00x | AU$-143.48 Million |
| 1993 | 7.87% | 10.15% | 0.05x | 16.15x | AU$-120.09 Million |
| 1994 | 11.24% | 16.02% | 0.05x | 15.04x | AU$74.99 Million |
| 1995 | 14.68% | 21.15% | 0.05x | 15.35x | AU$313.50 Million |
| 1996 | 15.19% | 22.85% | 0.04x | 14.83x | AU$382.30 Million |
| 1997 | 15.35% | 21.93% | 0.04x | 17.10x | AU$375.60 Million |
| 1998 | 15.82% | 20.64% | 0.04x | 18.95x | AU$401.10 Million |
| 1999 | 20.43% | 25.74% | 0.04x | 19.84x | AU$725.80 Million |
| 2000 | 15.13% | 43.98% | 0.03x | 12.20x | AU$915.30 Million |
| 2001 | 12.08% | 28.93% | 0.04x | 11.61x | AU$413.20 Million |
| 2002 | 12.61% | 31.39% | 0.03x | 11.86x | AU$549.40 Million |
| 2003 | 10.05% | 22.74% | 0.03x | 13.24x | AU$9.60 Million |
| 2004 | 11.48% | 24.52% | 0.03x | 13.66x | AU$331.50 Million |
| 2005 | 16.44% | 27.63% | 0.04x | 13.56x | AU$1.56 Billion |
| 2006 | 18.85% | 27.02% | 0.04x | 17.72x | AU$1.84 Billion |
| 2007 | 18.68% | 28.52% | 0.04x | 17.76x | AU$2.08 Billion |
| 2008 | 18.70% | 33.30% | 0.03x | 19.03x | AU$2.23 Billion |
| 2009 | 15.27% | 28.93% | 0.03x | 20.06x | AU$1.63 Billion |
| 2010 | 16.16% | 27.41% | 0.03x | 18.44x | AU$2.16 Billion |
| 2011 | 17.39% | 30.92% | 0.03x | 18.17x | AU$2.72 Billion |
| 2012 | 17.28% | 33.53% | 0.03x | 17.50x | AU$2.99 Billion |
| 2013 | 17.83% | 18.37% | 0.06x | 17.64x | AU$3.35 Billion |
| 2014 | 17.68% | 21.11% | 0.05x | 16.21x | AU$3.75 Billion |
| 2015 | 17.27% | 21.71% | 0.05x | 16.66x | AU$3.81 Billion |
| 2016 | 15.32% | 22.82% | 0.04x | 15.53x | AU$3.20 Billion |
| 2017 | 15.73% | 24.90% | 0.04x | 15.50x | AU$3.62 Billion |
| 2018 | 13.86% | 23.46% | 0.04x | 14.49x | AU$2.60 Billion |
| 2019 | 12.31% | 21.66% | 0.04x | 14.03x | AU$1.61 Billion |
| 2020 | 13.33% | 27.26% | 0.03x | 14.12x | AU$2.40 Billion |
| 2021 | 12.94% | 34.66% | 0.03x | 13.88x | AU$2.31 Billion |
| 2022 | 14.68% | 38.03% | 0.02x | 16.69x | AU$3.41 Billion |
| 2023 | 13.89% | 20.59% | 0.04x | 17.40x | AU$2.80 Billion |
| 2024 | 12.85% | 14.34% | 0.05x | 17.16x | AU$2.09 Billion |
| 2025 | 12.84% | 14.50% | 0.05x | 17.19x | AU$2.24 Billion |
Industry Comparison
This section compares Commonwealth Bank of Australia's net assets metrics with peer companies in the Banks - Diversified industry.
Industry Context
- Industry: Banks - Diversified
- Average net assets among peers: $71,959,500,000
- Average return on equity (ROE) among peers: 8.95%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Commonwealth Bank of Australia (CBA) | AU$77.23 Billion | 20.06% | 17.24x | $210.87 Billion |
| ANZ Group Holdings Ltd (ANZ) | $71.87 Billion | 8.20% | 17.05x | $80.06 Billion |
| Westpac Banking Corporation (WBCPI) | $72.05 Billion | 9.70% | 13.96x | $243.39 Billion |
About Commonwealth Bank of Australia
Commonwealth Bank of Australia provides retail and commercial banking services in Australia, New Zealand, and internationally. It operates through Retail Banking Services, Business Banking, Institutional Banking and Markets, and New Zealand segments. The company offers savings and term deposit accounts, commonwealth direct investment accounts, and retail transaction accounts, as well as specializ… Read more