MPAY S.A. ZY-50 (8NJ) - Net Assets
Based on the latest financial reports, MPAY S.A. ZY-50 (8NJ) has net assets worth €14.36 Million EUR (≈ $16.79 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 (€48.29 Million ≈ $56.46 Million USD) and total liabilities (€33.93 Million ≈ $39.67 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 MPAY S.A. ZY-50 (8NJ) asset resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €14.36 Million |
| % of Total Assets | 29.74% |
| Annual Growth Rate | -0.7% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 3.58 |
MPAY S.A. ZY-50 - Net Assets Trend (2021–2025)
This chart illustrates how MPAY S.A. ZY-50's net assets have evolved over time, based on quarterly financial data. Also explore MPAY S.A. ZY-50 (8NJ) total assets for the complete picture of this company's asset base.
Annual Net Assets for MPAY S.A. ZY-50 (2021–2025)
The table below shows the annual net assets of MPAY S.A. ZY-50 from 2021 to 2025. For live valuation and market cap data, see MPAY S.A. ZY-50 (8NJ) market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €14.36 Million ≈ $16.79 Million |
-6.79% |
| 2024-12-31 | €15.41 Million ≈ $18.01 Million |
+1.87% |
| 2023-12-31 | €15.13 Million ≈ $17.68 Million |
+1.65% |
| 2022-12-31 | €14.88 Million ≈ $17.40 Million |
+0.74% |
| 2021-12-31 | €14.77 Million ≈ $17.27 Million |
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Equity Component Analysis
This analysis shows how different components contribute to MPAY S.A. ZY-50'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 177311146.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | €15.41 Million | 107.29% |
| Total Equity | €14.36 Million | 100.00% |
MPAY S.A. ZY-50 Competitors by Market Cap
The table below lists competitors of MPAY S.A. ZY-50 ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Era Mandiri Cemerlang Tbk PT
JK:IKAN
|
$3.91 Million |
|
Immutable Holdings Inc
NEO:HOLD
|
$3.91 Million |
|
The House of Agriculture Spiroy S.A.
AT:SPIR
|
$3.91 Million |
|
Octopus Titan VCT
LSE:OTV2
|
$3.91 Million |
|
Telemasters Holdings Ltd
JSE:TLM
|
$3.91 Million |
|
NFT Limited
NYSE MKT:MI
|
$3.90 Million |
|
60 Degrees Pharmaceuticals, Inc. Common Stock
NASDAQ:SXTP
|
$3.90 Million |
|
STRIP TINNING HLDG.LS-01
F:VH3
|
$3.90 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in MPAY S.A. ZY-50's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 15,408,363 to 14,361,987, a change of -1,046,376 (-6.8%).
- Net loss of 1,046,376 reduced equity.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €-1.05 Million | -7.29% |
| Other Changes | €0.00 | +0.0% |
| Total Change | €- | -6.79% |
Book Value vs Market Value Analysis
This analysis compares MPAY S.A. ZY-50'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: 0.21x
- 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 | €0.22 | €0.04 | x |
| 2022-12-31 | €0.22 | €0.04 | x |
| 2023-12-31 | €0.22 | €0.04 | x |
| 2024-12-31 | €0.23 | €0.04 | x |
| 2025-12-31 | €0.21 | €0.04 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently MPAY S.A. ZY-50 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): -7.29%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -5.18%
- • Asset Turnover: 0.42x
- • Equity Multiplier: 3.36x
- Recent ROE (-7.29%) is below the historical average (-0.54%), 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 | 1.05% | 0.92% | 0.74x | 1.53x | €-1.32 Million |
| 2022 | 1.02% | 0.56% | 0.98x | 1.87x | €-1.34 Million |
| 2023 | 1.84% | 0.77% | 1.06x | 2.26x | €-1.23 Million |
| 2024 | 0.69% | 0.35% | 0.67x | 2.96x | €-1.43 Million |
| 2025 | -7.29% | -5.18% | 0.42x | 3.36x | €-2.48 Million |
Industry Comparison
This section compares MPAY S.A. ZY-50's net assets metrics with peer companies in the Software - Infrastructure industry.
Industry Context
- Industry: Software - Infrastructure
- Average net assets among peers: $1,152,525,261
- Average return on equity (ROE) among peers: 7.88%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| MPAY S.A. ZY-50 (8NJ) | €14.36 Million | 1.05% | 2.36x | $3.91 Million |
| StoneCo Ltd (0Q0) | $587.24 Million | -20.41% | 5.54x | $2.41 Billion |
| ADYEN NV UNSP.ADR/001 (1N8U) | $5.29 Billion | 20.10% | 1.32x | $30.86 Billion |
| QBRICK AB (PUBL) (2A8) | $14.23 Million | -86.06% | 1.11x | $21.85K |
| Endava plc (2Y5) | $69.50 Million | 27.30% | 1.17x | $130.81 Million |
| VIVOPOWER INTL. DL -012 (51J) | $-40.54 Million | 0.00% | 0.00x | $42.65 Million |
| NOWVERTICAL GROUP INC. (5XQ) | $1.86 Million | 85.52% | 22.61x | $10.96 Million |
| ADVENICA AB (65R) | $93.73 Million | -4.39% | 0.96x | $89.73 Million |
| BAIRONG INC.CL.B -00002 (6B5) | $4.53 Billion | 5.88% | 0.26x | $273.17 Million |
| XPLUS SA ZY -01 (75R) | $16.59 Million | 57.08% | 1.08x | $31.62 Million |
| TUYA INC.ADR/1A (785) | $970.57 Million | -6.21% | 0.10x | $1.11 Billion |
About MPAY S.A. ZY-50
mPay S.A. operates as a provider of m-payment solutions in Poland. The company offers mPay application, which allows user to buy transport tickets, pay for paid parking, and top up prepaid telephone accounts using a smartphone or tablet. It also provides open banking and payment solutions; and artificial intelligence tools, as well as engages in development of the B2C and B2B segment, and financi… Read more