Genertec Universal Medical Group Company Limited (5UM) - Net Assets

Latest as of December 2025: €25.04 Billion EUR ≈ $29.27 Billion USD

Based on the latest financial reports, Genertec Universal Medical Group Company Limited (5UM) has net assets worth €25.04 Billion EUR (≈ $29.27 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 (€84.32 Billion ≈ $98.58 Billion USD) and total liabilities (€59.28 Billion ≈ $69.30 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 Genertec Universal Medical Group Company PP&E and investment ratio to assess the company's strategic physical and investment asset allocation.

Key Net Assets Metrics

Metric	Value
Current Net Assets	€25.04 Billion
% of Total Assets	29.7%
Annual Growth Rate	16.02%
5-Year Change	42.08%
10-Year Change	N/A
Growth Volatility	10.25

Genertec Universal Medical Group Company Limited - Net Assets Trend (2016–2025)

This chart illustrates how Genertec Universal Medical Group Company Limited's net assets have evolved over time, based on quarterly financial data. For live market cap and overall valuation, see how much is Genertec Universal Medical Group Company worth.

Annual Net Assets for Genertec Universal Medical Group Company Limited (2016–2025)

The table below shows the annual net assets of Genertec Universal Medical Group Company Limited from 2016 to 2025. Also explore Genertec Universal Medical Group Company net asset momentum to track the company's year-over-year net asset growth rate.

Year	Net Assets	Change
2025-12-31	€25.04 Billion ≈ $29.27 Billion	+9.49%
2024-12-31	€22.87 Billion ≈ $26.74 Billion	+12.28%
2023-12-31	€20.37 Billion ≈ $23.81 Billion	+3.37%
2022-12-31	€19.70 Billion ≈ $23.03 Billion	+11.80%
2021-12-31	€17.62 Billion ≈ $20.60 Billion	+17.76%
2020-12-31	€14.97 Billion ≈ $17.50 Billion	+11.29%
2019-12-31	€13.45 Billion ≈ $15.72 Billion	+31.11%
2018-12-31	€10.26 Billion ≈ $11.99 Billion	+37.33%
2017-12-31	€7.47 Billion ≈ $8.73 Billion	+13.60%
2016-12-31	€6.57 Billion ≈ $7.69 Billion	--

Equity Component Analysis

This analysis shows how different components contribute to Genertec Universal Medical Group Company Limited'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 409.5% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component	Amount	Percentage
Retained Earnings	€11.13 Billion	53.13%
Other Components	€9.82 Billion	46.87%
Total Equity	€20.94 Billion	100.00%

Genertec Universal Medical Group Company Limited Competitors by Market Cap

The table below lists competitors of Genertec Universal Medical Group Company Limited ranked by their market capitalization.

Company	Market Cap
Business First Bancshares Inc NASDAQ:BFST	$1.00 Billion
BTS Group Holdings Public Company Limited BK:BTS	$1.00 Billion
CSSC Offshore & Marine Engineering (Group) Co Ltd F:GSZ	$1.00 Billion
Luoniushan Co Ltd SHE:000735	$1.00 Billion
Altri SGPS SA LS:ALTR	$1.00 Billion
Camelot Electronics Technology Co. Ltd. A SHE:301282	$1.00 Billion
SFA Semicon Co. Ltd KQ:036540	$1.00 Billion
EnTie Commercial Bank Ltd TW:2849	$1.00 Billion

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Genertec Universal Medical Group Company Limited's equity between the two most recent reporting periods.

Equity Growth Insights

From 2024 to 2025, total equity changed from 18,853,737,000 to 20,942,871,000, a change of 2,089,134,000 (11.1%).
Net income of 2,208,951,000 contributed positively to equity growth.
Dividend payments of 615,496,000 reduced retained earnings.
Other factors increased equity by 495,679,000.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	€2.21 Billion	+10.55%
Dividends Paid	€615.50 Million	-2.94%
Other Changes	€495.68 Million	+2.37%
Total Change	€-	11.08%

Book Value vs Market Value Analysis

This analysis compares Genertec Universal Medical Group Company Limited'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: 0.05x
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
2017-12-31	€4.35	€0.48	x
2018-12-31	€5.85	€0.48	x
2019-12-31	€6.49	€0.48	x
2020-12-31	€7.24	€0.48	x
2021-12-31	€7.81	€0.48	x
2022-12-31	€8.26	€0.48	x
2023-12-31	€9.17	€0.48	x
2024-12-31	€9.97	€0.48	x
2025-12-31	€10.40	€0.48	x

Capital Efficiency Dashboard

This dashboard shows how efficiently Genertec Universal Medical Group Company Limited 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): 10.55%
The company shows good efficiency in utilizing shareholder equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 14.79%
• Asset Turnover: 0.18x
• Equity Multiplier: 4.03x
Recent ROE (10.55%) is below the historical average (13.00%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
2016	13.27%	32.30%	0.09x	4.41x	€214.87 Million
2017	15.38%	33.60%	0.09x	5.05x	€401.80 Million
2018	13.46%	31.47%	0.09x	4.70x	€347.36 Million
2019	14.26%	23.30%	0.12x	5.19x	€474.17 Million
2020	14.06%	20.50%	0.14x	4.95x	€504.85 Million
2021	13.19%	19.65%	0.14x	4.73x	€471.15 Million
2022	12.55%	16.47%	0.15x	4.92x	€398.36 Million
2023	12.16%	15.46%	0.17x	4.63x	€375.32 Million
2024	11.16%	15.40%	0.16x	4.56x	€218.58 Million
2025	10.55%	14.79%	0.18x	4.03x	€114.66 Million

Industry Comparison

This section compares Genertec Universal Medical Group Company Limited's net assets metrics with peer companies in the Credit Services industry.

Industry Context

Industry: Credit Services
Average net assets among peers: $5,302,032,287
Average return on equity (ROE) among peers: 0.77%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Genertec Universal Medical Group Company Limited (5UM)	€25.04 Billion	13.27%	2.37x	$1.00 Billion
Yiren Digital Ltd (19YA)	$9.54 Billion	16.58%	0.36x	$86.37 Million
Qudian Inc (1QU)	$11.63 Billion	6.09%	0.17x	$227.51 Million
Yixin Group Limited (1YX)	$16.95 Billion	7.07%	2.21x	$912.52 Million
TRUFIN PLC (29U)	$32.45 Million	-21.79%	0.56x	$112.33 Million
51 CREDIT CARD DL-00001 (2JY)	$779.52 Million	-7.72%	0.38x	$46.45 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
HARMONEY CORP. LTD (6DR)	$65.31 Million	-27.87%	9.74x	$39.55 Million
PREMIA FINANCE O.N. (81U)	$2.89 Million	20.84%	0.56x	$2.32 Million

About Genertec Universal Medical Group Company Limited

F:5UM Germany Credit Services

Market Cap

$1.13 Billion

€962.79 Million EUR

Market Cap Rank

#8927 Global

#1148 in Germany

Share Price

€0.48

Change (1 day)

-1.65%

52-Week Range

€0.48 - €0.73

All Time High

€0.82