Banco Patagonia (BPAT) - Net Assets

Latest as of December 2025: AR$1.66 Trillion ARS ≈ $1.20 Billion USD

Based on the latest financial reports, Banco Patagonia (BPAT) has net assets worth AR$1.66 Trillion ARS (≈ $1.20 Billion 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$8.77 Trillion ≈ $6.34 Billion USD) and total liabilities (AR$7.11 Trillion ≈ $5.14 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 Patagonia liquid asset ratio to evaluate the company's liquid asset resilience ratio.

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. Also explore Banco Patagonia total assets for the complete picture of this company's asset base.

Annual Net Assets for Banco Patagonia (2015–2025)

The table below shows the annual net assets of Banco Patagonia from 2015 to 2025. For live valuation and market cap data, see Banco Patagonia (BPAT) market capitalisation.

Year	Net Assets	Change
2025-12-31	AR$1.66 Trillion ≈ $1.20 Billion	-3.59%
2024-12-31	AR$1.72 Trillion ≈ $1.24 Billion	+39.83%
2023-12-31	AR$1.23 Trillion ≈ $889.63 Million	+667.58%
2022-12-31	AR$160.17 Billion ≈ $115.90 Million	+116.82%
2021-12-31	AR$73.87 Billion ≈ $53.45 Million	+47.19%
2020-12-31	AR$50.19 Billion ≈ $36.32 Million	+37.51%
2019-12-31	AR$36.50 Billion ≈ $26.41 Million	+70.43%
2018-12-31	AR$21.42 Billion ≈ $15.50 Million	+71.83%
2017-12-31	AR$12.46 Billion ≈ $9.02 Million	+34.95%
2016-12-31	AR$9.24 Billion ≈ $6.68 Million	+20.23%
2015-12-31	AR$7.68 Billion ≈ $5.56 Million	--

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
Shandong Shanda Wit Science and Technology Co Ltd SHE:000915	$993.04 Million
Everlight Electronics Co Ltd TW:2393	$993.22 Million
Star Petroleum Refining Co Ltd BK:SPRC	$993.33 Million
CBL & Associates Properties Inc NYSE:CBL	$993.50 Million
Graincorp Ltd AU:GNC	$992.51 Million
Tianshui Zhongxing Bio-technology Co Ltd SHE:002772	$992.05 Million
Nitratos de Chile SA SN:NITRATOS	$991.87 Million
Hyundai Development Co KO:294870	$991.36 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: 0.85x
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 113.65x to 0.85x 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$1970.00	x
2018-12-31	AR$29.78	AR$1970.00	x
2019-12-31	AR$50.75	AR$1970.00	x
2020-12-31	AR$69.79	AR$1970.00	x
2021-12-31	AR$102.72	AR$1970.00	x
2022-12-31	AR$222.72	AR$1970.00	x
2023-12-31	AR$1709.60	AR$1970.00	x
2024-12-31	AR$2390.55	AR$1970.00	x
2025-12-31	AR$2304.26	AR$1970.00	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: $813,330,749,125
Average return on equity (ROE) among peers: 15.30%

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	$992.69 Million
BBVA Banco Frances SA (BBAR)	$26.67 Billion	14.54%	7.46x	$3.18 Billion
Banco Bradesco DRC (BBD)	$117.69 Billion	14.52%	9.40x	$44.47 Billion
Banco Hipotecario SA (BHIP)	$11.68 Billion	15.25%	6.69x	$184.93 Million
Banco Macro SA B (BMA)	$6.23 Trillion	2.04%	0.04x	$4.95 Billion
Banco Santander Río S.A (BRIO)	$2.00 Billion	18.92%	11.28x	$87.20 Million
Banco Santander Brasil SA (BSBR)	$97.21 Billion	16.88%	6.84x	$463.35 Million
Grupo Financiero Galicia S.A. (GGAL)	$7.55 Billion	24.16%	10.02x	$5.96 Billion
Grupo Supervielle S.A. B (SUPV)	$15.14 Billion	16.09%	5.20x	$669.31 Million

About Banco Patagonia

BA:BPAT Argentina Banks - Regional

Market Cap

$992.69 Million

AR$1.37 Trillion ARS

Market Cap Rank

#9152 Global

#24 in Argentina

Share Price

AR$1970.00

Change (1 day)

-2.96%

52-Week Range

AR$1165.00 - AR$2970.00

All Time High

AR$3210.00