PO.S.B.O. UNSP.ADRS/20YC1 (3YB0) - Net Assets
Based on the latest financial reports, PO.S.B.O. UNSP.ADRS/20YC1 (3YB0) has net assets worth €1.16 Trillion EUR (≈ $1.36 Trillion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€18.68 Trillion ≈ $21.84 Trillion USD) and total liabilities (€17.52 Trillion ≈ $20.48 Trillion 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 3YB0 goodwill-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €1.16 Trillion |
| % of Total Assets | 6.22% |
| Annual Growth Rate | 9.94% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 4.59 |
PO.S.B.O. UNSP.ADRS/20YC1 - Net Assets Trend (2021–2025)
This chart illustrates how PO.S.B.O. UNSP.ADRS/20YC1's net assets have evolved over time, based on quarterly financial data. Explore cash flow conversion of PO.S.B.O. UNSP.ADRS/20YC1 to assess how effectively this company generates cash.
Annual Net Assets for PO.S.B.O. UNSP.ADRS/20YC1 (2021–2025)
The table below shows the annual net assets of PO.S.B.O. UNSP.ADRS/20YC1 from 2021 to 2025. For live valuation and market cap data, see 3YB0 stock market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €1.16 Trillion ≈ $1.36 Trillion |
+12.67% |
| 2024-12-31 | €1.03 Trillion ≈ $1.21 Trillion |
+7.84% |
| 2023-12-31 | €956.62 Billion ≈ $1.12 Trillion |
+15.84% |
| 2022-12-31 | €825.81 Billion ≈ $965.46 Billion |
+3.80% |
| 2021-12-31 | €795.55 Billion ≈ $930.08 Billion |
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Equity Component Analysis
This analysis shows how different components contribute to PO.S.B.O. UNSP.ADRS/20YC1'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 43.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €285.34 Billion | 24.60% |
| Other Components | €874.80 Billion | 75.40% |
| Total Equity | €1.16 Trillion | 100.00% |
PO.S.B.O. UNSP.ADRS/20YC1 Competitors by Market Cap
The table below lists competitors of PO.S.B.O. UNSP.ADRS/20YC1 ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Mizrahi Tefahot
TA:MZTF
|
$13.95 Billion |
|
Gjensidige Forsikring ASA
OL:GJF
|
$13.95 Billion |
|
Acciona
MC:ANA
|
$13.96 Billion |
|
BOLIDEN AB UNSP.ADR/2
F:BWJ0
|
$13.99 Billion |
|
China CITIC Bank Corporation Limited
F:D7C
|
$13.92 Billion |
|
METSO OUTOTEC UNS.ADR 1/2
F:M6QB
|
$13.91 Billion |
|
Tech Mahindra Limited
NSE:TECHM
|
$13.87 Billion |
|
Azrieli Group Ltd
TA:AZRG
|
$13.84 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in PO.S.B.O. UNSP.ADRS/20YC1's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,029,669,000,000 to 1,160,146,000,000, a change of 130,477,000,000 (12.7%).
- Net income of 87,404,000,000 contributed positively to equity growth.
- Dividend payments of 36,468,000,000 reduced retained earnings.
- New share issuances of 130,000,000,000 increased equity.
- Other factors decreased equity by 50,459,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €87.40 Billion | +7.53% |
| Dividends Paid | €36.47 Billion | -3.14% |
| Share Issuances | €130.00 Billion | +11.21% |
| Other Changes | €-50.46 Billion | -4.35% |
| Total Change | €- | 12.67% |
Book Value vs Market Value Analysis
This analysis compares PO.S.B.O. UNSP.ADRS/20YC1'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: 1.24x
- 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 1.40x to 1.24x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2021-12-31 | €8.60 | €12.00 | x |
| 2022-12-31 | €8.92 | €12.00 | x |
| 2023-12-31 | €9.63 | €12.00 | x |
| 2024-12-31 | €10.38 | €12.00 | x |
| 2025-12-31 | €9.66 | €12.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently PO.S.B.O. UNSP.ADRS/20YC1 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): 7.53%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 24.75%
- • Asset Turnover: 0.02x
- • Equity Multiplier: 16.10x
- Recent ROE (7.53%) is below the historical average (8.98%), 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 | 9.59% | 24.94% | 0.02x | 15.85x | €-3.24 Billion |
| 2022 | 10.34% | 25.28% | 0.02x | 17.07x | €2.80 Billion |
| 2023 | 9.03% | 25.27% | 0.02x | 16.47x | €-9.22 Billion |
| 2024 | 8.40% | 24.55% | 0.02x | 16.59x | €-16.49 Billion |
| 2025 | 7.53% | 24.75% | 0.02x | 16.10x | €-28.61 Billion |
Industry Comparison
This section compares PO.S.B.O. UNSP.ADRS/20YC1's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $4,430,582,865,444
- Average return on equity (ROE) among peers: 8.49%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| PO.S.B.O. UNSP.ADRS/20YC1 (3YB0) | €1.16 Trillion | 9.59% | 15.07x | $13.93 Billion |
| Grupo Supervielle S.A (189A) | $92.35 Billion | -5.45% | 6.55x | $590.94 Million |
| WOORI FIN. GRP SP.ADR/3 (2WGA) | $28.81 Trillion | 8.83% | 14.52x | $11.06 Billion |
| Bank of Zhengzhou Co. Ltd (3BZ) | $33.44 Billion | 12.80% | 12.03x | $226.76 Million |
| Manx Financial Group PLC (3IM) | $37.31 Million | 21.71% | 12.34x | $33.35 Million |
| Postal Savings Bank of China Co Ltd (3YB) | $1.16 Trillion | 7.52% | 15.07x | $12.50 Billion |
| TISCO Financial Group Public Company Limited (47TA) | $39.20 Billion | 18.55% | 6.61x | $2.34 Billion |
| Bank of Qingdao Co. Ltd (4BQ) | $26.12 Billion | 7.27% | 10.72x | $1.28 Billion |
| Harbin Bank Co. Ltd (5H6) | $64.78 Billion | 1.77% | 14.73x | $116.65 Million |
| JAPAN POST BK UNSP.ADR/1 (5JP0) | $9.65 Trillion | 3.37% | 22.79x | $53.42 Billion |
About PO.S.B.O. UNSP.ADRS/20YC1
Postal Savings Bank of China Co., Ltd., together with its subsidiaries, provides various banking products and services for retail and corporate customers in the People's Republic of China. It offers demand, time, personal call, time/demand optional, call, negotiated, foreign currency exchange deposit; passbooks and certificate of deposits; credit, mortgage, government, farmer, and merchant expres… Read more