Banco Santander Río S.A (BRIO) - Net Assets
Based on the latest financial reports, Banco Santander Río S.A (BRIO) has net assets worth AR$4.30 Trillion ARS (≈ $3.11 Billion USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (AR$24.19 Trillion ≈ $17.51 Billion USD) and total liabilities (AR$19.89 Trillion ≈ $14.39 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 Santander Río S.A liquid asset ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | AR$4.30 Trillion |
| % of Total Assets | 17.78% |
| Annual Growth Rate | 38.64% |
| 5-Year Change | 2677.28% |
| 10-Year Change | 21041.89% |
| Growth Volatility | 129.37 |
Banco Santander Río S.A - Net Assets Trend (2000–2024)
This chart illustrates how Banco Santander Río S.A's net assets have evolved over time, based on quarterly financial data. Also explore Banco Santander Río S.A balance sheet assets for the complete picture of this company's asset base.
Annual Net Assets for Banco Santander Río S.A (2000–2024)
The table below shows the annual net assets of Banco Santander Río S.A from 2000 to 2024. For live valuation and market cap data, see market cap of Banco Santander Río S.A.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | AR$3.42 Trillion ≈ $2.47 Billion |
+5.36% |
| 2023-12-31 | AR$3.24 Trillion ≈ $2.35 Billion |
+660.38% |
| 2022-12-31 | AR$426.71 Billion ≈ $308.77 Million |
+123.37% |
| 2021-12-31 | AR$191.03 Billion ≈ $138.23 Million |
+55.20% |
| 2020-12-31 | AR$123.08 Billion ≈ $89.06 Million |
+91.34% |
| 2019-12-31 | AR$64.33 Billion ≈ $46.55 Million |
+50.97% |
| 2018-12-31 | AR$42.61 Billion ≈ $30.83 Million |
+67.74% |
| 2017-12-31 | AR$25.40 Billion ≈ $18.38 Million |
+18.94% |
| 2016-12-31 | AR$21.36 Billion ≈ $15.45 Million |
+32.08% |
| 2015-12-31 | AR$16.17 Billion ≈ $11.70 Million |
+35.20% |
| 2014-12-31 | AR$11.96 Billion ≈ $8.65 Million |
+33.10% |
| 2013-12-31 | AR$8.99 Billion ≈ $6.50 Million |
+34.21% |
| 2012-12-31 | AR$6.69 Billion ≈ $4.84 Million |
+41.23% |
| 2011-12-31 | AR$4.74 Billion ≈ $3.43 Million |
+22.70% |
| 2010-12-31 | AR$3.86 Billion ≈ $2.80 Million |
+25.21% |
| 2009-12-31 | AR$3.09 Billion ≈ $2.23 Million |
+54.30% |
| 2008-12-31 | AR$2.00 Billion ≈ $1.45 Million |
+26.90% |
| 2007-12-31 | AR$1.58 Billion ≈ $1.14 Million |
+20.17% |
| 2006-12-31 | AR$1.31 Billion ≈ $948.79K |
+29.69% |
| 2005-12-31 | AR$1.01 Billion ≈ $731.59K |
+21.40% |
| 2004-12-31 | AR$832.84 Million ≈ $602.65K |
-11.31% |
| 2003-12-31 | AR$939.02 Million ≈ $679.48K |
-23.74% |
| 2002-12-31 | AR$1.23 Billion ≈ $890.97K |
+15.47% |
| 2001-12-31 | AR$1.07 Billion ≈ $771.62K |
-20.66% |
| 2000-12-31 | AR$1.34 Billion ≈ $972.60K |
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Equity Component Analysis
This analysis shows how different components contribute to Banco Santander Río S.A'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 339952.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | AR$923.23 Billion | 27.04% |
| Other Components | AR$2.49 Trillion | 72.96% |
| Total Equity | AR$3.41 Trillion | 100.00% |
Banco Santander Río S.A Competitors by Market Cap
The table below lists competitors of Banco Santander Río S.A ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Hasen-Immobilien AG
STU:ABHA
|
$87.20 Million |
|
Coya Therapeutics, Inc. Common Stock
NASDAQ:COYA
|
$87.25 Million |
|
Nusa Raya Cipta Tbk
JK:NRCA
|
$87.27 Million |
|
INLIF LIMITED Ordinary Shares
NASDAQ:INLF
|
$87.32 Million |
|
Sirtec International Co Ltd
TWO:5356
|
$87.16 Million |
|
FitLife Brands, Inc. Common Stock
NASDAQ:FTLF
|
$87.15 Million |
|
Rimbunan Sawit Bhd
KLSE:5113
|
$87.14 Million |
|
Guru Organic Energy Corp
TO:GURU
|
$87.11 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Banco Santander Río S.A's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 3,229,013,867,000 to 3,414,707,815,000, a change of 185,693,948,000 (5.8%).
- Net income of 921,340,744,000 contributed positively to equity growth.
- Dividend payments of 611,538,479,000 reduced retained earnings.
- Other factors decreased equity by 124,108,317,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | AR$921.34 Billion | +26.98% |
| Dividends Paid | AR$611.54 Billion | -17.91% |
| Other Changes | AR$-124.11 Billion | -3.63% |
| Total Change | AR$- | 5.75% |
Book Value vs Market Value Analysis
This analysis compares Banco Santander Río S.A'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: 0.04x
- 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 5.69x to 0.04x 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$5.88 | AR$33.50 | x |
| 2018-12-31 | AR$9.87 | AR$33.50 | x |
| 2019-12-31 | AR$14.90 | AR$33.50 | x |
| 2020-12-31 | AR$27.82 | AR$33.50 | x |
| 2021-12-31 | AR$42.94 | AR$33.50 | x |
| 2022-12-31 | AR$96.97 | AR$33.50 | x |
| 2023-12-31 | AR$738.03 | AR$33.50 | x |
| 2024-12-31 | AR$777.86 | AR$33.50 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Banco Santander Río S.A 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): 26.98%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 18.20%
- • Asset Turnover: 0.27x
- • Equity Multiplier: 5.43x
- Recent ROE (26.98%) is above the historical average (25.27%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2008 | 18.94% | 11.52% | 0.13x | 12.29x | AR$178.57 Million |
| 2009 | 38.12% | 25.77% | 0.16x | 9.46x | AR$867.31 Million |
| 2010 | 41.45% | 32.42% | 0.14x | 9.26x | AR$1.21 Billion |
| 2011 | 35.39% | 25.96% | 0.14x | 9.69x | AR$1.20 Billion |
| 2012 | 29.20% | 21.66% | 0.17x | 7.96x | AR$1.29 Billion |
| 2013 | 25.49% | 18.57% | 0.17x | 7.88x | AR$1.39 Billion |
| 2014 | 27.04% | 17.02% | 0.20x | 7.98x | AR$2.04 Billion |
| 2015 | 26.04% | 28.57% | 0.10x | 9.48x | AR$2.59 Billion |
| 2016 | 24.29% | 21.88% | 0.11x | 9.90x | AR$3.05 Billion |
| 2017 | 22.06% | 16.22% | 0.10x | 13.12x | AR$3.06 Billion |
| 2018 | 24.01% | 17.77% | 0.11x | 11.91x | AR$5.97 Billion |
| 2019 | 35.24% | 23.34% | 0.16x | 9.66x | AR$16.23 Billion |
| 2020 | 10.29% | 8.78% | 0.15x | 8.09x | AR$355.98 Million |
| 2021 | 6.15% | 5.51% | 0.15x | 7.67x | AR$-7.27 Billion |
| 2022 | 18.16% | 14.77% | 0.19x | 6.37x | AR$34.63 Billion |
| 2023 | 20.69% | 12.16% | 0.29x | 5.82x | AR$345.08 Billion |
| 2024 | 26.98% | 18.20% | 0.27x | 5.43x | AR$579.87 Billion |
Industry Comparison
This section compares Banco Santander Río S.A's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $282,245,362,000
- Average return on equity (ROE) among peers: 18.12%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Banco Santander Río S.A (BRIO) | AR$4.30 Trillion | 18.94% | 4.62x | $87.20 Million |
| BBVA Banco Frances SA (BBAR) | $1.13 Trillion | 16.28% | 4.40x | $3.18 Billion |
| Banco Bradesco DRC (BBD) | $135.54 Billion | 15.51% | 9.17x | $44.47 Billion |
| Banco Hipotecario SA (BHIP) | $50.73 Billion | 11.94% | 6.94x | $184.93 Million |
| Banco Macro SA B (BMA) | $22.11 Billion | 29.59% | 6.01x | $4.95 Billion |
| Banco Patagonia (BPAT) | $36.50 Billion | 48.31% | 4.64x | $992.69 Million |
| Banco Santander Brasil SA (BSBR) | $87.09 Billion | 10.25% | 6.41x | $463.35 Million |
| Grupo Financiero Galicia S.A. (GGAL) | $1.78 Billion | 0.00% | 12.31x | $5.96 Billion |
| Grupo Supervielle S.A. B (SUPV) | $798.80 Billion | 13.08% | 4.64x | $669.31 Million |
About Banco Santander Río S.A
Banco Santander Argentina S.A. provides various banking products and services to individuals, corporates, companies, agro business, and small and medium-sized enterprises in Argentina. The company offers various accounts and cards; private banking services; and loans, as well as car, motorcycle, bike, life, personal accident, home, domestic personal ART, protected business, notebook, cell phone, … Read more