51 CREDIT CARD DL-00001 (2JY) - Net Assets
Based on the latest financial reports, 51 CREDIT CARD DL-00001 (2JY) has net assets worth €649.30 Million EUR (≈ $759.10 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 (€865.17 Million ≈ $1.01 Billion USD) and total liabilities (€215.87 Million ≈ $252.37 Million 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 51 CREDIT CARD DL-00001 total assets for the complete picture of this company's asset base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €649.30 Million |
| % of Total Assets | 75.05% |
| Annual Growth Rate | -3.82% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 9.63 |
51 CREDIT CARD DL-00001 - Net Assets Trend (2021–2025)
This chart illustrates how 51 CREDIT CARD DL-00001's net assets have evolved over time, based on quarterly financial data. Check 51 CREDIT CARD DL-00001 tangible equity quality to evaluate the tangible quality of the company's equity base.
Annual Net Assets for 51 CREDIT CARD DL-00001 (2021–2025)
The table below shows the annual net assets of 51 CREDIT CARD DL-00001 from 2021 to 2025. For live valuation and market cap data, see how much is 51 CREDIT CARD DL-00001 worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €649.30 Million ≈ $759.10 Million |
-16.71% |
| 2024-12-31 | €779.52 Million ≈ $911.34 Million |
+9.86% |
| 2023-12-31 | €709.57 Million ≈ $829.56 Million |
-0.23% |
| 2022-12-31 | €711.22 Million ≈ $831.49 Million |
-6.26% |
| 2021-12-31 | €758.75 Million ≈ $887.05 Million |
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Equity Component Analysis
This analysis shows how different components contribute to 51 CREDIT CARD DL-00001'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 decreased by 18540900000.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | €6.19 Billion | 948.18% |
| Total Equity | €653.23 Million | 100.00% |
51 CREDIT CARD DL-00001 Competitors by Market Cap
The table below lists competitors of 51 CREDIT CARD DL-00001 ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Bukit Darmo Property Tbk
JK:BKDP
|
$63.84 Million |
|
YTN Co.Ltd
KQ:040300
|
$63.84 Million |
|
Allcargo Terminals Ltd
NSE:ATL
|
$63.90 Million |
|
Urbana Corporation
TO:URB
|
$63.95 Million |
|
BQE Water Inc
V:BQE
|
$63.81 Million |
|
Gambling.com Group Ltd
NASDAQ:GAMB
|
$63.80 Million |
|
Zim Laboratories Limited
NSE:ZIMLAB
|
$63.77 Million |
|
CENIT Aktiengesellschaft
XETRA:CSH
|
$63.76 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in 51 CREDIT CARD DL-00001's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 802,697,000 to 653,232,000, a change of -149,465,000 (-18.6%).
- Net loss of 150,699,000 reduced equity.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €-150.70 Million | -23.07% |
| Other Changes | €1.23 Million | +0.19% |
| Total Change | €- | -18.62% |
Book Value vs Market Value Analysis
This analysis compares 51 CREDIT CARD DL-00001'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: 0.08x
- 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.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2021-12-31 | €0.56 | €0.03 | x |
| 2022-12-31 | €0.52 | €0.03 | x |
| 2023-12-31 | €0.53 | €0.03 | x |
| 2024-12-31 | €0.49 | €0.03 | x |
| 2025-12-31 | €0.40 | €0.03 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently 51 CREDIT CARD DL-00001 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): -23.07%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 0.00%
- • Asset Turnover: -0.02x
- • Equity Multiplier: 1.32x
- Recent ROE (-23.07%) is below the historical average (-14.24%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2021 | -30.54% | -152.68% | 0.10x | 2.04x | €-310.21 Million |
| 2022 | -11.61% | -219.09% | 0.03x | 1.60x | €-153.94 Million |
| 2023 | 1.52% | 0.00% | -0.01x | 1.61x | €-61.53 Million |
| 2024 | -7.49% | -1670.07% | 0.00x | 1.34x | €-140.43 Million |
| 2025 | -23.07% | 0.00% | -0.02x | 1.32x | €-216.02 Million |
Industry Comparison
This section compares 51 CREDIT CARD DL-00001's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $7,217,030,650
- Average return on equity (ROE) among peers: -0.83%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| 51 CREDIT CARD DL-00001 (2JY) | €649.30 Million | -30.54% | 0.33x | $63.84 Million |
| Yiren Digital Ltd (19YA) | $9.54 Billion | 16.58% | 0.36x | $107.08 Million |
| Qudian Inc (1QU) | $12.04 Billion | 4.89% | 0.06x | $231.80 Million |
| Yixin Group Limited (1YX) | $16.95 Billion | 7.07% | 2.21x | $1.18 Billion |
| TRUFIN PLC (29U) | $37.94 Million | -17.06% | 0.34x | $141.30 Million |
| CREDIT CORP. GROUP LTD. (2RC) | $740.64 Million | 13.60% | 0.32x | $490.08 Million |
| HANHUA FNCL HLDG CO.H YC1 (5HF) | $7.97 Billion | 0.15% | 0.44x | $11.63 Million |
| Genertec Universal Medical Group Company Limited (5UM) | $17.62 Billion | 11.05% | 2.97x | $1.22 Billion |
| HARMONEY CORP. LTD (6DR) | $39.84 Million | -33.12% | 20.51x | $40.54 Million |
| PREMIA FINANCE O.N. (81U) | $3.02 Million | -10.68% | 0.59x | $1.82 Million |
About 51 CREDIT CARD DL-00001
Vala Inc., an investment holding company, operates 51 Credit Card Manager, an online credit card management platform in the People's Republic of China. It operates through four segments: Credit card facilitation and technology services, SaaS business, Valalife Service Fee, and Children's Entertainment business. The company offers credit management, credit card technology, and credit facilitation … Read more