Banco Hipotecario SA (BHIP) - Net Assets

Latest as of December 2025: AR$596.43 Billion ARS ≈ $431.58 Million USD

Based on the latest financial reports, Banco Hipotecario SA (BHIP) has net assets worth AR$596.43 Billion ARS (≈ $431.58 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 (AR$3.74 Trillion ≈ $2.70 Billion USD) and total liabilities (AR$3.14 Trillion ≈ $2.27 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. Check Banco Hipotecario SA tangible net worth ratio to evaluate the tangible quality of the company's equity base.

Key Net Assets Metrics

Metric	Value
Current Net Assets	AR$596.43 Billion
% of Total Assets	15.96%
Annual Growth Rate	59.69%
5-Year Change	2513.56%
10-Year Change	9498.21%
Growth Volatility	239.83

Banco Hipotecario SA - Net Assets Trend (2015–2025)

This chart illustrates how Banco Hipotecario SA's net assets have evolved over time, based on quarterly financial data. See BHIP defensive interval ratio to measure how many days the company can operate on defensive assets alone.

Annual Net Assets for Banco Hipotecario SA (2015–2025)

The table below shows the annual net assets of Banco Hipotecario SA from 2015 to 2025. For live valuation and market cap data, see market cap of Banco Hipotecario SA.

Year	Net Assets	Change
2025-12-31	AR$596.43 Billion ≈ $431.58 Million	-9.24%
2024-12-31	AR$657.13 Billion ≈ $475.50 Million	+39.75%
2023-12-31	AR$470.21 Billion ≈ $340.25 Million	+826.94%
2022-12-31	AR$50.73 Billion ≈ $36.71 Million	+122.29%
2021-12-31	AR$22.82 Billion ≈ $16.51 Million	+27.15%
2020-12-31	AR$17.95 Billion ≈ $12.99 Million	+53.64%
2019-12-31	AR$11.68 Billion ≈ $8.45 Million	+15.76%
2018-12-31	AR$10.09 Billion ≈ $7.30 Million	+27.22%
2017-12-31	AR$7.93 Billion ≈ $5.74 Million	+27.65%
2016-12-31	AR$6.21 Billion ≈ $4.50 Million	+12.43%
2015-12-31	AR$5.53 Billion ≈ $4.00 Million	--

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 687.3% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component	Amount	Percentage
Retained Earnings	AR$25.37 Billion	4.41%
Other Components	AR$550.53 Billion	95.59%
Total Equity	AR$575.91 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
Jarllytec Co Ltd TWO:3548	$192.09 Million
Muramoto Electron (Thailand) Public Company Limited BK:METCO	$192.16 Million
NervGen Pharma Corp. NASDAQ:NGEN	$192.23 Million
Brockhaus Capital Management AG F:BKHT	$192.24 Million
Changsha Kaiyuan Instruments SHE:300338	$192.07 Million
CVW CleanTech Inc V:CVW	$192.01 Million
Generalplus Technology Inc TW:4952	$191.98 Million
SBC Exports Limited NSE:SBC	$191.88 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 2024 to 2025, total equity changed from 632,283,892,000 to 575,906,756,000, a change of -56,377,136,000 (-8.9%).
Net income of 25,183,094,000 contributed positively to equity growth.
Dividend payments of 57,433,807,000 reduced retained earnings.
Other factors decreased equity by 24,126,423,000.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	AR$25.18 Billion	+4.37%
Dividends Paid	AR$57.43 Billion	-9.97%
Other Changes	AR$-24.13 Billion	-4.19%
Total Change	AR$-	-8.92%

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: 0.91x
The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
The price-to-book ratio has decreased from 66.76x to 0.91x 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$349.00	x
2018-12-31	AR$6.69	AR$349.00	x
2019-12-31	AR$7.76	AR$349.00	x
2020-12-31	AR$11.67	AR$349.00	x
2021-12-31	AR$14.81	AR$349.00	x
2022-12-31	AR$32.89	AR$349.00	x
2023-12-31	AR$305.15	AR$349.00	x
2024-12-31	AR$421.52	AR$349.00	x
2025-12-31	AR$383.94	AR$349.00	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): 4.37%
The company may be facing challenges in efficiently utilizing shareholder equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 5.35%
• Asset Turnover: 0.13x
• Equity Multiplier: 6.49x
Recent ROE (4.37%) is below the historical average (12.20%), suggesting potential challenges in 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	16.77%	10.85%	0.26x	5.99x	AR$42.80 Billion
2025	4.37%	5.35%	0.13x	6.49x	AR$-32.41 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: $281,455,531,000
Average return on equity (ROE) among peers: 18.52%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Banco Hipotecario SA (BHIP)	AR$596.43 Billion	19.96%	5.27x	$192.09 Million
BBVA Banco Frances SA (BBAR)	$84.34 Billion	19.00%	4.39x	$4.54 Billion
Banco Bradesco DRC (BBD)	$158.74 Billion	13.22%	10.34x	$39.53 Billion
Banco Macro SA B (BMA)	$1.84 Trillion	7.52%	0.06x	$6.59 Billion
Banco Patagonia (BPAT)	$9.24 Billion	35.40%	6.81x	$1.05 Billion
Banco Santander Río S.A (BRIO)	$64.33 Billion	35.22%	8.66x	$87.20 Million
Banco Santander Brasil SA (BSBR)	$87.09 Billion	10.25%	6.41x	$416.67 Million
Grupo Financiero Galicia S.A. (GGAL)	$1.43 Billion	0.00%	10.71x	$7.82 Billion
Grupo Supervielle S.A. B (SUPV)	$2.44 Billion	27.58%	12.52x	$883.26 Million

About Banco Hipotecario SA

BA:BHIP Argentina Banks - Regional

Market Cap

$192.09 Million

AR$265.46 Billion ARS

Market Cap Rank

#16804 Global

#49 in Argentina

Share Price

AR$349.00

Change (1 day)

-3.32%

52-Week Range

AR$198.50 - AR$598.00

All Time High

AR$624.00