FINTECH S.A. ZY 5 (9DZ) - Net Assets

Latest as of December 2025: €8.45 Million EUR ≈ $9.88 Million USD

Based on the latest financial reports, FINTECH S.A. ZY 5 (9DZ) has net assets worth €8.45 Million EUR (≈ $9.88 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 (€24.65 Million ≈ $28.82 Million USD) and total liabilities (€16.20 Million ≈ $18.94 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. Read debt load of FINTECH S.A. ZY 5 for a breakdown of total debt and financial obligations.

Key Net Assets Metrics

Metric	Value
Current Net Assets	€8.45 Million
% of Total Assets	34.28%
Annual Growth Rate	8.93%
5-Year Change	N/A
10-Year Change	N/A
Growth Volatility	27.26

FINTECH S.A. ZY 5 - Net Assets Trend (2021–2025)

This chart illustrates how FINTECH S.A. ZY 5's net assets have evolved over time, based on quarterly financial data. Also explore total assets of FINTECH S.A. ZY 5 for the complete picture of this company's asset base.

Annual Net Assets for FINTECH S.A. ZY 5 (2021–2025)

The table below shows the annual net assets of FINTECH S.A. ZY 5 from 2021 to 2025. For live valuation and market cap data, see FINTECH S.A. ZY 5 (9DZ) total market value.

Year	Net Assets	Change
2025-12-31	€8.45 Million ≈ $9.88 Million	-15.73%
2024-12-31	€10.03 Million ≈ $11.72 Million	-4.39%
2023-12-31	€10.49 Million ≈ $12.26 Million	+55.97%
2022-12-31	€6.73 Million ≈ $7.86 Million	+12.02%
2021-12-31	€6.00 Million ≈ $7.02 Million	--

Equity Component Analysis

This analysis shows how different components contribute to FINTECH S.A. ZY 5'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 131907818.0% over the analyzed period, potentially due to dividend distributions or operating losses.

Current Equity Component Breakdown (December 2025)

Component	Amount	Percentage
Other Components	€12.90 Million	152.68%
Total Equity	€8.45 Million	100.00%

FINTECH S.A. ZY 5 Competitors by Market Cap

The table below lists competitors of FINTECH S.A. ZY 5 ranked by their market capitalization.

Company	Market Cap
Solid Clouds hf IC:SOLID	$1.46 Million
Impax Asset Management Group Plc LSE:IPX	$1.46 Million
Conduit Capital Ltd JSE:CND	$1.46 Million
Gossan Resources Ltd V:GSS	$1.46 Million
Ravelin Properties REIT TO:RPR-UN	$1.46 Million
Alturas Minerals Corp V:ALT	$1.46 Million
Crown Place VCT PLC LSE:CRWN	$1.45 Million
Eagle Eye Solutions Group plc LSE:EYE	$1.45 Million

Equity Growth Attribution

This analysis shows how different factors contributed to changes in FINTECH S.A. ZY 5's equity between the two most recent reporting periods.

Equity Growth Insights

From 2024 to 2025, total equity changed from 10,028,757 to 8,451,210, a change of -1,577,548 (-15.7%).
Net loss of 1,286,963 reduced equity.
Other factors decreased equity by 290,584.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	€-1.29 Million	-15.23%
Other Changes	€-290.58K	-3.44%
Total Change	€-	-15.73%

Book Value vs Market Value Analysis

This analysis compares FINTECH S.A. ZY 5'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: 0.17x
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	€0.08	€0.02	x
2022-12-31	€0.09	€0.02	x
2023-12-31	€0.14	€0.02	x
2024-12-31	€0.14	€0.02	x
2025-12-31	€0.12	€0.02	x

Capital Efficiency Dashboard

This dashboard shows how efficiently FINTECH S.A. ZY 5 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): -15.23%
The company may be facing challenges in efficiently utilizing shareholder equity.
DuPont Analysis Breakdown:
• Net Profit Margin: -35.25%
• Asset Turnover: 0.15x
• Equity Multiplier: 2.92x
Recent ROE (-15.23%) is below the historical average (4.90%), 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	-7.01%	-30.56%	0.23x	1.02x	€-1.02 Million
2022	8.90%	5.16%	1.24x	1.39x	€-74.08K
2023	35.91%	8.71%	1.80x	2.29x	€2.72 Million
2024	1.94%	1.39%	0.55x	2.53x	€-808.21K
2025	-15.23%	-35.25%	0.15x	2.92x	€-2.13 Million

Industry Comparison

This section compares FINTECH S.A. ZY 5's net assets metrics with peer companies in the Insurance Brokers industry.

Industry Context

Industry: Insurance Brokers
Average net assets among peers: $2,768,078,250
Average return on equity (ROE) among peers: 19.94%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
FINTECH S.A. ZY 5 (9DZ)	€8.45 Million	-7.01%	1.92x	$1.46 Million
Steadfast Group Limited (1S6)	$898.14 Million	8.18%	0.91x	$3.34 Billion
Fanhua Inc (4CIA)	$2.75 Billion	22.21%	0.41x	$9.84 Million
Aon PLC (4VK)	$6.43 Billion	41.28%	6.62x	$57.14 Billion
AUB GROUP LTD. (A5H)	$997.45 Million	8.10%	0.64x	$1.89 Billion

About FINTECH S.A. ZY 5

F:9DZ Germany Insurance Brokers

Market Cap

$1.71 Million

€1.46 Million EUR

Market Cap Rank

#29951 Global

#2633 in Germany

Share Price

€0.02

Change (1 day)

+0.00%

52-Week Range

€0.01 - €0.03

All Time High

€0.43