PREMIA FINANCE O.N. (81U) - Net Assets
Based on the latest financial reports, PREMIA FINANCE O.N. (81U) has net assets worth €3.02 Million EUR (≈ $3.53 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 (€4.80 Million ≈ $5.61 Million USD) and total liabilities (€1.78 Million ≈ $2.08 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. Check PREMIA FINANCE O.N. (81U) tangible equity ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €3.02 Million |
| % of Total Assets | 62.99% |
| Annual Growth Rate | 12.91% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 34.63 |
PREMIA FINANCE O.N. - Net Assets Trend (2021–2025)
This chart illustrates how PREMIA FINANCE O.N.'s net assets have evolved over time, based on quarterly financial data. See 81U defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for PREMIA FINANCE O.N. (2021–2025)
The table below shows the annual net assets of PREMIA FINANCE O.N. from 2021 to 2025. For live valuation and market cap data, see 81U stock market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €3.02 Million ≈ $3.53 Million |
-12.82% |
| 2024-12-31 | €3.47 Million ≈ $4.05 Million |
+49.57% |
| 2023-12-31 | €2.32 Million ≈ $2.71 Million |
-19.90% |
| 2022-12-31 | €2.89 Million ≈ $3.38 Million |
+55.62% |
| 2021-12-31 | €1.86 Million ≈ $2.17 Million |
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Equity Component Analysis
This analysis shows how different components contribute to PREMIA FINANCE O.N.'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 219.9% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | €2.65 Million | 114.68% |
| Total Equity | €2.31 Million | 100.00% |
PREMIA FINANCE O.N. Competitors by Market Cap
The table below lists competitors of PREMIA FINANCE O.N. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Winchester Energy Ltd
AU:WEL
|
$1.82 Million |
|
Cleghorn Minerals Ltd
V:CZZ
|
$1.82 Million |
|
NTR Holding A/S
CO:NTR-B
|
$1.82 Million |
|
Radaan Mediaworks India Limited
NSE:RADAAN
|
$1.82 Million |
|
Aclarion Inc
NASDAQ:ACON
|
$1.82 Million |
|
Northern Venture Trust
LSE:NVT
|
$1.82 Million |
|
Oldfields Holdings Ltd
AU:OLH
|
$1.81 Million |
|
Northern 3 Vct Plc
LSE:NTN
|
$1.81 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in PREMIA FINANCE O.N.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 2,685,304 to 2,311,855, a change of -373,449 (-13.9%).
- Net loss of 322,914 reduced equity.
- Dividend payments of 114,272 reduced retained earnings.
- Other factors increased equity by 63,737.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €-322.91K | -13.97% |
| Dividends Paid | €114.27K | -4.94% |
| Other Changes | €63.74K | +2.76% |
| Total Change | €- | -13.91% |
Book Value vs Market Value Analysis
This analysis compares PREMIA FINANCE O.N.'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: 1.06x
- 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 1.23x to 1.06x 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 | €0.51 | €0.63 | x |
| 2022-12-31 | €0.74 | €0.63 | x |
| 2023-12-31 | €0.58 | €0.63 | x |
| 2024-12-31 | €0.68 | €0.63 | x |
| 2025-12-31 | €0.59 | €0.63 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently PREMIA FINANCE O.N. 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): -13.97%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -4.58%
- • Asset Turnover: 1.47x
- • Equity Multiplier: 2.08x
- Recent ROE (-13.97%) is below the historical average (4.42%), 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 | 15.31% | 5.76% | 1.88x | 1.42x | €98.72K |
| 2022 | 21.28% | 9.44% | 1.41x | 1.59x | €319.72K |
| 2023 | -0.83% | -0.35% | 1.54x | 1.55x | €-243.30K |
| 2024 | 0.30% | 0.13% | 1.19x | 1.88x | €-260.48K |
| 2025 | -13.97% | -4.58% | 1.47x | 2.08x | €-554.10K |
Industry Comparison
This section compares PREMIA FINANCE O.N.'s net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $6,381,864,637
- Average return on equity (ROE) among peers: 2.52%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| PREMIA FINANCE O.N. (81U) | €3.02 Million | 15.31% | 0.59x | $1.82 Million |
| Yiren Digital Ltd (19YA) | $4.49 Billion | 25.74% | 1.15x | $102.03 Million |
| Qudian Inc (1QU) | $11.92 Billion | 27.38% | 0.54x | $283.31 Million |
| Yixin Group Limited (1YX) | $16.48 Billion | 4.91% | 1.95x | $1.15 Billion |
| TRUFIN PLC (29U) | $32.45 Million | -21.79% | 0.56x | $141.30 Million |
| 51 CREDIT CARD DL-00001 (2JY) | $709.57 Million | 1.56% | 0.64x | $93.38 Million |
| CREDIT CORP. GROUP LTD. (2RC) | $825.67 Million | 6.14% | 0.60x | $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) | $14.97 Billion | 11.67% | 3.11x | $1.24 Billion |
| HARMONEY CORP. LTD (6DR) | $39.84 Million | -33.12% | 20.51x | $40.54 Million |
About PREMIA FINANCE O.N.
Premia Finance S.p.A. operates as a credit mediation company in Italy. The company's products include employee loans, assignment of the fifth of the pension, loan with proxy, mortgages, personal loans, insurance, and advance TFS (end of service treatment). It operates through two direct branches in Catania and Reggio Calabria; approximately 30 indirect branches; and approximately 100 credit consu… Read more