Banco Hipotecario SA
Banco Hipotecario S.A. provides wholesale and retail banking services in Argentina. The company offers savings, current, and investor accounts; mortgage loans; personal loans comprising destination, short term, and salary plan loans; home, life, personal accident, ATM theft, movable goods, pets, sustainable mobility, senior health, protected purchase, and comprehensive health insurance products. … Read more
Banco Hipotecario SA (BHIP) - Net Assets
Latest net assets as of September 2025: AR$532.06 Billion ARS
Based on the latest financial reports, Banco Hipotecario SA (BHIP) has net assets worth AR$532.06 Billion ARS as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (AR$4.12 Trillion) and total liabilities (AR$3.59 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 | AR$532.06 Billion |
| % of Total Assets | 12.91% |
| Annual Growth Rate | 64.92% |
| 5-Year Change | 2681.98% |
| 10-Year Change | N/A |
| Growth Volatility | 250.59 |
Banco Hipotecario SA - Net Assets Trend (2015–2024)
This chart illustrates how Banco Hipotecario SA's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Banco Hipotecario SA (2015–2024)
The table below shows the annual net assets of Banco Hipotecario SA from 2015 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | AR$499.30 Billion | +6.19% |
| 2023-12-31 | AR$470.21 Billion | +826.94% |
| 2022-12-31 | AR$50.73 Billion | +122.29% |
| 2021-12-31 | AR$22.82 Billion | +27.15% |
| 2020-12-31 | AR$17.95 Billion | +53.64% |
| 2019-12-31 | AR$11.68 Billion | +15.76% |
| 2018-12-31 | AR$10.09 Billion | +27.22% |
| 2017-12-31 | AR$7.93 Billion | +27.65% |
| 2016-12-31 | AR$6.21 Billion | +12.43% |
| 2015-12-31 | AR$5.53 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Banco Hipotecario 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 2397.3% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | AR$80.49 Billion | 16.75% |
| Other Components | AR$400.02 Billion | 83.25% |
| Total Equity | AR$480.50 Billion | 100.00% |
Banco Hipotecario SA Competitors by Market Cap
The table below lists competitors of Banco Hipotecario SA ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Naturhouse Health SA
MC:NTH
|
$34.96 Million |
|
PT Multikarya Asia Pacific Ray
JK:MKAP
|
$34.97 Million |
|
Loop Industries Inc
NASDAQ:LOOP
|
$34.98 Million |
|
Sonmez Pamuklu Sanayii AS
IS:SNPAM
|
$34.98 Million |
|
Complex Micro Interconnection Co. Ltd.
TW:6835
|
$34.95 Million |
|
EXACOMPTA CLAIREF. NOM.
F:8KG
|
$34.95 Million |
|
AUUAF
PINK:AUUAF
|
$34.94 Million |
|
Deleum Bhd
KLSE:5132
|
$34.93 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Banco Hipotecario SA's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 457,722,467,000 to 480,500,968,000, a change of 22,778,501,000 (5.0%).
- Net income of 80,485,861,000 contributed positively to equity growth.
- Dividend payments of 45,478,088,000 reduced retained earnings.
- Other factors decreased equity by 12,229,272,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | AR$80.49 Billion | +16.75% |
| Dividends Paid | AR$45.48 Billion | -9.46% |
| Other Changes | AR$-12.23 Billion | -2.55% |
| Total Change | AR$- | 4.98% |
Book Value vs Market Value Analysis
This analysis compares Banco Hipotecario 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: 1.18x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 72.31x to 1.18x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-12-31 | AR$5.23 | AR$378.00 | x |
| 2018-12-31 | AR$6.69 | AR$378.00 | x |
| 2019-12-31 | AR$7.76 | AR$378.00 | x |
| 2020-12-31 | AR$11.67 | AR$378.00 | x |
| 2021-12-31 | AR$14.81 | AR$378.00 | x |
| 2022-12-31 | AR$32.89 | AR$378.00 | x |
| 2023-12-31 | AR$305.15 | AR$378.00 | x |
| 2024-12-31 | AR$320.33 | AR$378.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Banco Hipotecario 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): 16.75%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 10.65%
- • Asset Turnover: 0.26x
- • Equity Multiplier: 6.00x
- Recent ROE (16.75%) is above the historical average (12.98%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2015 | 19.96% | 18.33% | 0.15x | 7.25x | AR$541.72 Million |
| 2016 | 10.16% | 8.83% | 0.13x | 8.60x | AR$9.71 Million |
| 2017 | 20.83% | 17.58% | 0.14x | 8.53x | AR$828.47 Million |
| 2018 | 20.94% | 14.74% | 0.16x | 8.63x | AR$1.07 Billion |
| 2019 | 15.63% | 10.47% | 0.19x | 7.88x | AR$641.47 Million |
| 2020 | 5.24% | 4.78% | 0.14x | 7.86x | AR$-833.76 Million |
| 2021 | -18.91% | -18.57% | 0.06x | 15.78x | AR$-6.42 Billion |
| 2022 | 12.27% | 7.89% | 0.19x | 8.17x | AR$1.12 Billion |
| 2023 | 26.91% | 15.53% | 0.24x | 7.21x | AR$77.41 Billion |
| 2024 | 16.75% | 10.65% | 0.26x | 6.00x | AR$32.44 Billion |
Industry Comparison
This section compares Banco Hipotecario SA's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $541,611,992,000
- Average return on equity (ROE) among peers: 9.51%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Banco Hipotecario SA (BHIP) | AR$532.06 Billion | 19.96% | 6.75x | $34.96 Million |
| BBVA Banco Frances SA (BBAR) | $162.61 Billion | 13.03% | 5.34x | $1.08 Billion |
| Banco Patagonia (BPAT) | $1.66 Trillion | 6.58% | 4.29x | $245.57 Million |
| Grupo Financiero Galicia S.A. (GGAL) | $302.57 Billion | 9.73% | 4.56x | $5.77 Billion |
| Lloyds Banking Group PLC CEDEAR (LYG) | $43.91 Billion | 8.72% | 18.89x | $113.64 Billion |