Kreditbanken A/S (KRE) - Net Assets

Latest as of December 2025: Dkr1.21 Billion DKK ≈ $189.36 Million USD

Based on the latest financial reports, Kreditbanken A/S (KRE) has net assets worth Dkr1.21 Billion DKK (≈ $189.36 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 (Dkr7.65 Billion ≈ $1.20 Billion USD) and total liabilities (Dkr6.44 Billion ≈ $1.01 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. Also explore KRE total assets for the complete picture of this company's asset base.

Key Net Assets Metrics

Metric	Value
Current Net Assets	Dkr1.21 Billion
% of Total Assets	15.82%
Annual Growth Rate	8.66%
5-Year Change	54.12%
10-Year Change	161.34%
Growth Volatility	5.21

Kreditbanken A/S - Net Assets Trend (2000–2025)

This chart illustrates how Kreditbanken A/S's net assets have evolved over time, based on quarterly financial data. Check KRE intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.

Annual Net Assets for Kreditbanken A/S (2000–2025)

The table below shows the annual net assets of Kreditbanken A/S from 2000 to 2025. For live valuation and market cap data, see market cap of Kreditbanken A/S.

Year	Net Assets	Change
2025-12-31	Dkr1.21 Billion ≈ $189.36 Million	+12.06%
2024-12-31	Dkr1.08 Billion ≈ $168.99 Million	+12.72%
2023-12-31	Dkr958.21 Million ≈ $149.92 Million	+16.89%
2022-12-31	Dkr819.74 Million ≈ $128.25 Million	+4.38%
2021-12-31	Dkr785.32 Million ≈ $122.87 Million	+11.99%
2020-12-31	Dkr701.23 Million ≈ $109.71 Million	+7.88%
2019-12-31	Dkr649.99 Million ≈ $101.70 Million	+14.09%
2018-12-31	Dkr569.71 Million ≈ $89.13 Million	+9.72%
2017-12-31	Dkr519.26 Million ≈ $81.24 Million	+12.12%
2016-12-31	Dkr463.12 Million ≈ $72.46 Million	+6.71%
2015-12-31	Dkr433.99 Million ≈ $67.90 Million	+1.07%
2014-12-31	Dkr429.40 Million ≈ $67.18 Million	+4.81%
2013-12-31	Dkr409.68 Million ≈ $64.10 Million	+2.29%
2012-12-31	Dkr400.51 Million ≈ $62.66 Million	+2.43%
2011-12-31	Dkr391.01 Million ≈ $61.18 Million	+2.18%
2010-12-31	Dkr382.66 Million ≈ $59.87 Million	+3.13%
2009-12-31	Dkr371.04 Million ≈ $58.05 Million	+0.58%
2008-12-31	Dkr368.90 Million ≈ $57.72 Million	+5.31%
2007-12-31	Dkr350.31 Million ≈ $54.81 Million	+12.84%
2006-12-31	Dkr310.45 Million ≈ $48.57 Million	+13.85%
2005-12-31	Dkr272.67 Million ≈ $42.66 Million	+17.45%
2004-12-31	Dkr232.16 Million ≈ $36.32 Million	+10.69%
2003-12-31	Dkr209.75 Million ≈ $32.82 Million	+17.44%
2002-12-31	Dkr178.60 Million ≈ $27.94 Million	+9.40%
2001-12-31	Dkr163.25 Million ≈ $25.54 Million	+7.49%
2000-12-31	Dkr151.87 Million ≈ $23.76 Million	--

Equity Component Analysis

This analysis shows how different components contribute to Kreditbanken A/S'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 789.2% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component	Amount	Percentage
Retained Earnings	Dkr1.19 Billion	98.45%
Common Stock	Dkr16.82 Million	1.39%
Other Comprehensive Income	Dkr1.94 Million	0.16%
Total Equity	Dkr1.21 Billion	100.00%

Kreditbanken A/S Competitors by Market Cap

The table below lists competitors of Kreditbanken A/S ranked by their market capitalization.

Company	Market Cap
TBS Energi Utama Tbk PT JK:TOBA	$251.36 Million
RoadMain T Co Ltd SHG:603860	$251.45 Million
Metall Zug AG SW:METN	$251.53 Million
Nepes Corporation KQ:033640	$251.59 Million
Skymoons Technology Inc. KQ:033790	$251.31 Million
Ready Capital Corp NYSE:RC	$251.30 Million
Surrozen Inc NASDAQ:SRZN	$251.25 Million
MK Electron Co. Ltd KQ:033160	$251.16 Million

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Kreditbanken A/S's equity between the two most recent reporting periods.

Equity Growth Insights

From 2024 to 2025, total equity changed from 1,080,093,000 to 1,210,310,000, a change of 130,217,000 (12.1%).
Net income of 154,889,000 contributed positively to equity growth.
Other comprehensive income increased equity by 1,942,000.
Other factors decreased equity by 26,614,000.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	Dkr154.89 Million	+12.8%
Other Comprehensive Income	Dkr1.94 Million	+0.16%
Other Changes	Dkr-26.61 Million	-2.2%
Total Change	Dkr-	12.06%

Book Value vs Market Value Analysis

This analysis compares Kreditbanken A/S'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: 1.33x
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 7.33x to 1.33x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date	Book Value per Share	Market Price	P/B Ratio
2004-12-31	Dkr1302.77	Dkr9550.00	x
2005-12-31	Dkr1530.14	Dkr9550.00	x
2006-12-31	Dkr1742.13	Dkr9550.00	x
2007-12-31	Dkr1965.80	Dkr9550.00	x
2008-12-31	Dkr2071.30	Dkr9550.00	x
2009-12-31	Dkr2083.35	Dkr9550.00	x
2010-12-31	Dkr2148.56	Dkr9550.00	x
2011-12-31	Dkr2192.94	Dkr9550.00	x
2012-12-31	Dkr2248.78	Dkr9550.00	x
2013-12-31	Dkr2298.32	Dkr9550.00	x
2014-12-31	Dkr2408.93	Dkr9550.00	x
2015-12-31	Dkr2435.14	Dkr9550.00	x
2016-12-31	Dkr2754.03	Dkr9550.00	x
2017-12-31	Dkr3087.61	Dkr9550.00	x
2018-12-31	Dkr3387.45	Dkr9550.00	x
2019-12-31	Dkr3864.39	Dkr9550.00	x
2020-12-31	Dkr4169.02	Dkr9550.00	x
2021-12-31	Dkr4668.94	Dkr9550.00	x
2022-12-31	Dkr4873.60	Dkr9550.00	x
2023-12-31	Dkr5696.84	Dkr9550.00	x
2024-12-31	Dkr6421.75	Dkr9550.00	x
2025-12-31	Dkr7195.66	Dkr9550.00	x

Capital Efficiency Dashboard

This dashboard shows how efficiently Kreditbanken A/S 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): 12.80%
The company shows good efficiency in utilizing shareholder equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 38.48%
• Asset Turnover: 0.05x
• Equity Multiplier: 6.32x
Recent ROE (12.80%) is above the historical average (8.62%), indicating improving capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
2000	12.13%	21.42%	0.09x	6.20x	Dkr3.23 Million
2001	9.15%	15.31%	0.10x	6.19x	Dkr-1.38 Million
2004	12.73%	17.41%	0.12x	6.09x	Dkr6.33 Million
2005	0.00%	0.00%	0.13x	5.71x	Dkr-27.26 Million
2006	14.72%	18.36%	0.13x	6.02x	Dkr14.66 Million
2007	14.22%	16.67%	0.13x	6.39x	Dkr14.77 Million
2008	7.48%	13.60%	0.08x	6.56x	Dkr-9.29 Million
2009	0.90%	1.75%	0.08x	6.25x	Dkr-33.76 Million
2010	3.59%	8.45%	0.07x	5.80x	Dkr-24.51 Million
2011	2.72%	6.70%	0.07x	5.85x	Dkr-28.47 Million
2012	2.78%	6.83%	0.07x	5.87x	Dkr-28.90 Million
2013	3.06%	8.11%	0.06x	5.84x	Dkr-28.42 Million
2014	5.32%	14.46%	0.06x	5.85x	Dkr-20.09 Million
2015	5.54%	15.23%	0.06x	6.38x	Dkr-19.36 Million
2016	7.27%	20.04%	0.06x	6.06x	Dkr-12.66 Million
2017	11.62%	34.70%	0.06x	5.90x	Dkr8.42 Million
2018	13.94%	40.13%	0.06x	6.27x	Dkr22.46 Million
2019	13.13%	45.06%	0.05x	6.32x	Dkr20.33 Million
2020	8.51%	32.84%	0.04x	6.62x	Dkr-10.47 Million
2021	11.78%	47.14%	0.04x	6.50x	Dkr13.96 Million
2022	5.30%	23.44%	0.03x	6.59x	Dkr-38.50 Million
2023	15.33%	39.54%	0.06x	6.20x	Dkr51.06 Million
2024	12.89%	34.12%	0.06x	6.28x	Dkr31.24 Million
2025	12.80%	38.48%	0.05x	6.32x	Dkr33.86 Million

Industry Comparison

This section compares Kreditbanken A/S's net assets metrics with peer companies in the Banks - Regional industry.

Industry Context

Industry: Banks - Regional
Average net assets among peers: $24,766,862,667
Average return on equity (ROE) among peers: 7.02%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Kreditbanken A/S (KRE)	Dkr1.21 Billion	12.13%	5.32x	$251.32 Million
Danske Andelskassers Bank A/S (DAB)	$1.20 Billion	-0.99%	7.79x	$532.21 Million
Danske Bank A/S (DANSKE)	$168.68 Billion	2.72%	23.36x	$47.83 Billion
Djurslands Bank (DJUR)	$322.46 Million	9.86%	7.90x	$448.60 Million
Fynske Bank A/S (FYNBK)	$500.37 Million	11.26%	4.22x	$239.57 Million
Groenlandsbanken AS (GRLA)	$532.24 Million	12.11%	4.50x	$294.30 Million
Hvidbjerg Bank (HVID)	$220.96 Million	11.39%	6.88x	$47.45 Million
Jyske Bank A/S (JYSK)	$50.59 Billion	10.50%	13.83x	$9.38 Billion
Laan & Spar Bank AS (LASP)	$681.45 Million	6.30%	10.66x	$749.17 Million
Lollands Bank (LOLB)	$177.73 Million	0.01%	5.35x	$149.37 Million

About Kreditbanken A/S

CO:KRE Denmark Banks - Regional

Market Cap

$251.32 Million

Dkr1.61 Billion DKK

Market Cap Rank

#15656 Global

#64 in Denmark

Share Price

Dkr9550.00

Change (1 day)

+0.00%

52-Week Range

Dkr7000.00 - Dkr9550.00

All Time High

Dkr9550.00