Banco Patagonia
Banco Patagonia S.A. provides various banking products and services in Argentina. It offers savings, retired, salary, current, agro, and minor accounts; accounts for SMEs; and foreign trade services. The company also provides Patagonia leasing, capital marketing, and alternative financing services. In addition, it offers loans; safe deposit boxes; credit and debit cards; and home, car, motorbike,… Read more
Banco Patagonia (BPAT) - Net Assets
Latest net assets as of December 2025: AR$1.66 Trillion ARS
Based on the latest financial reports, Banco Patagonia (BPAT) has net assets worth AR$1.66 Trillion ARS as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (AR$8.77 Trillion) and total liabilities (AR$7.11 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$1.66 Trillion |
| % of Total Assets | 18.91% |
| Annual Growth Rate | 71.15% |
| 5-Year Change | 2143.54% |
| 10-Year Change | 17846.02% |
| Growth Volatility | 188.33 |
Banco Patagonia - Net Assets Trend (2015–2025)
This chart illustrates how Banco Patagonia'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 Patagonia (2015–2025)
The table below shows the annual net assets of Banco Patagonia from 2015 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | AR$1.66 Trillion | -3.59% |
| 2024-12-31 | AR$1.72 Trillion | +39.83% |
| 2023-12-31 | AR$1.23 Trillion | +667.58% |
| 2022-12-31 | AR$160.17 Billion | +116.82% |
| 2021-12-31 | AR$73.87 Billion | +47.19% |
| 2020-12-31 | AR$50.19 Billion | +37.51% |
| 2019-12-31 | AR$36.50 Billion | +70.43% |
| 2018-12-31 | AR$21.42 Billion | +71.83% |
| 2017-12-31 | AR$12.46 Billion | +34.95% |
| 2016-12-31 | AR$9.24 Billion | +20.23% |
| 2015-12-31 | AR$7.68 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Banco Patagonia'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 2414.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | AR$109.11 Billion | 6.58% |
| Other Components | AR$1.55 Trillion | 93.42% |
| Total Equity | AR$1.66 Trillion | 100.00% |
Banco Patagonia Competitors by Market Cap
The table below lists competitors of Banco Patagonia ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Hangzhou Wensli Silk Culture Co. Ltd.
SHE:301066
|
$245.59 Million |
|
Nantong JiangTian Chemical Co. Ltd.
SHE:300927
|
$245.59 Million |
|
Plan B Media PCL
BK:PLANB
|
$245.64 Million |
|
Johnson Outdoors Inc
NASDAQ:JOUT
|
$245.68 Million |
|
Villeroy und Boch AG Pfd.
LSE:0OPA
|
$245.56 Million |
|
Docebo Inc
NASDAQ:DCBO
|
$245.55 Million |
|
Zhejiang Dilong New Material Co Ltd
SHE:002247
|
$245.48 Million |
|
WAAREE RENEWABLE TECHNOLOGIES LTD
NSE:WAAREERTL
|
$245.45 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Banco Patagonia's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,719,153,183,000 to 1,657,098,428,000, a change of -62,054,755,000 (-3.6%).
- Net income of 109,111,472,000 contributed positively to equity growth.
- Dividend payments of 93,006,233,000 reduced retained earnings.
- Other factors decreased equity by 78,159,994,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | AR$109.11 Billion | +6.58% |
| Dividends Paid | AR$93.01 Billion | -5.61% |
| Other Changes | AR$-78.16 Billion | -4.72% |
| Total Change | AR$- | -3.61% |
Book Value vs Market Value Analysis
This analysis compares Banco Patagonia'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: 0.94x
- 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 124.61x to 0.94x 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$17.33 | AR$2160.00 | x |
| 2018-12-31 | AR$29.78 | AR$2160.00 | x |
| 2019-12-31 | AR$50.75 | AR$2160.00 | x |
| 2020-12-31 | AR$69.79 | AR$2160.00 | x |
| 2021-12-31 | AR$102.72 | AR$2160.00 | x |
| 2022-12-31 | AR$222.72 | AR$2160.00 | x |
| 2023-12-31 | AR$1709.60 | AR$2160.00 | x |
| 2024-12-31 | AR$2390.55 | AR$2160.00 | x |
| 2025-12-31 | AR$2304.26 | AR$2160.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Banco Patagonia 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): 6.58%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 8.30%
- • Asset Turnover: 0.15x
- • Equity Multiplier: 5.29x
- Recent ROE (6.58%) is below the historical average (22.21%), 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 | 31.32% | 32.78% | 0.12x | 8.02x | AR$1.64 Billion |
| 2016 | 35.40% | 28.89% | 0.16x | 7.81x | AR$2.35 Billion |
| 2017 | 25.02% | 23.06% | 0.14x | 7.81x | AR$1.87 Billion |
| 2018 | 24.98% | 24.84% | 0.13x | 8.03x | AR$3.21 Billion |
| 2019 | 48.31% | 43.06% | 0.20x | 5.64x | AR$13.98 Billion |
| 2020 | 20.88% | 20.55% | 0.17x | 6.00x | AR$5.46 Billion |
| 2021 | 9.49% | 9.80% | 0.16x | 6.23x | AR$-375.06 Million |
| 2022 | 11.55% | 10.03% | 0.20x | 5.71x | AR$2.48 Billion |
| 2023 | 14.93% | 9.34% | 0.33x | 4.85x | AR$60.66 Billion |
| 2024 | 15.81% | 12.83% | 0.27x | 4.58x | AR$99.86 Billion |
| 2025 | 6.58% | 8.30% | 0.15x | 5.29x | AR$-56.60 Billion |
Industry Comparison
This section compares Banco Patagonia's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $139,953,748,500
- Average return on equity (ROE) among peers: 10.85%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Banco Patagonia (BPAT) | AR$1.66 Trillion | 31.32% | 4.29x | $245.57 Million |
| BBVA Banco Frances SA (BBAR) | $162.61 Billion | 13.03% | 5.34x | $1.08 Billion |
| Banco Hipotecario SA (BHIP) | $50.73 Billion | 11.94% | 6.94x | $34.96 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 |