Banco di Desio e della Brianza S.p.A.
Banco di Desio e della Brianza S.p.A. provides banking products and services to individuals and enterprises in Italy. The company offers current and deposit accounts, financing products and mortgages, insurance and social security services, investments and saving products, insurance investment products, and funds and SICAVs. It also provides internet and mobile banking, electronic payment, and as… Read more
Banco di Desio e della Brianza S.p.A. (BJ7) - Net Assets
Latest net assets as of September 2025: €1.48 Billion EUR
Based on the latest financial reports, Banco di Desio e della Brianza S.p.A. (BJ7) has net assets worth €1.48 Billion EUR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€18.64 Billion) and total liabilities (€17.16 Billion). 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.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €1.48 Billion |
| % of Total Assets | 7.94% |
| Annual Growth Rate | 9.97% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 7.52 |
Banco di Desio e della Brianza S.p.A. - Net Assets Trend (2021–2024)
This chart illustrates how Banco di Desio e della Brianza S.p.A.'s net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Banco di Desio e della Brianza S.p.A. (2021–2024)
The table below shows the annual net assets of Banco di Desio e della Brianza S.p.A. from 2021 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | €1.45 Billion | +6.95% |
| 2023-12-31 | €1.35 Billion | +20.63% |
| 2022-12-31 | €1.12 Billion | +3.10% |
| 2021-12-31 | €1.09 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Banco di Desio e della Brianza S.p.A.'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 128.7% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €125.54 Million | 8.67% |
| Other Components | €1.32 Billion | 91.33% |
| Total Equity | €1.45 Billion | 100.00% |
Banco di Desio e della Brianza S.p.A. Competitors by Market Cap
The table below lists competitors of Banco di Desio e della Brianza S.p.A. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
ASSECO STH EAST.EUR.ZY 10
F:7T8
|
$333.80 Million |
|
Troax Group AB
ST:TROAX
|
$333.86 Million |
|
Yalla Group Ltd
NYSE:YALA
|
$333.87 Million |
|
Olaplex Holdings Inc
NASDAQ:OLPX
|
$333.94 Million |
|
Solus Advanced Materials Co Ltd
KO:336370
|
$333.74 Million |
|
Hwaxin Environmental Co. Ltd. A
SHE:301265
|
$333.66 Million |
|
Marshall Boya ve Vernik Sanayi AS
IS:MRSHL
|
$333.66 Million |
|
Canny Elevator Co Ltd
SHE:002367
|
$333.65 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Banco di Desio e della Brianza S.p.A.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 1,354,015,000 to 1,447,546,000, a change of 93,531,000 (6.9%).
- Net income of 125,543,000 contributed positively to equity growth.
- Dividend payments of 35,391,000 reduced retained earnings.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €125.54 Million | +8.67% |
| Dividends Paid | €35.39 Million | -2.44% |
| Other Changes | €3.38 Million | +0.23% |
| Total Change | €- | 6.91% |
Book Value vs Market Value Analysis
This analysis compares Banco di Desio e della Brianza S.p.A.'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: 0.80x
- 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.
- The price-to-book ratio has decreased from 1.08x to 0.80x 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 | €8.01 | €8.65 | x |
| 2022-12-31 | €8.35 | €8.65 | x |
| 2023-12-31 | €10.08 | €8.65 | x |
| 2024-12-31 | €10.86 | €8.65 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Banco di Desio e della Brianza S.p.A. 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): 8.67%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 19.48%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 12.87x
- Recent ROE (8.67%) is below the historical average (9.68%), 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 | 5.04% | 11.54% | 0.03x | 16.35x | €-53.97 Million |
| 2022 | 7.26% | 16.74% | 0.03x | 15.63x | €-30.78 Million |
| 2023 | 17.75% | 48.26% | 0.03x | 13.70x | €104.96 Million |
| 2024 | 8.67% | 19.48% | 0.03x | 12.87x | €-19.21 Million |
Industry Comparison
This section compares Banco di Desio e della Brianza S.p.A.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $1,744,248,193,800
- Average return on equity (ROE) among peers: 7.00%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Banco di Desio e della Brianza S.p.A. (BJ7) | €1.48 Billion | 5.04% | 11.59x | $333.75 Million |
| PT Bank Sinarmas Tbk (08S) | $7.36 Trillion | 1.74% | 6.16x | $332.02 Million |
| Seven Bank Ltd (0S7) | $244.11 Billion | 8.53% | 4.00x | $648.12 Million |
| Aktia Pankki Oyj (2A41) | $610.00 Million | 10.14% | 14.90x | $482.88 Million |
| Manx Financial Group PLC (3IM) | $24.98 Million | 11.18% | 11.36x | $12.01 Million |
| TowneBank (3T8) | $2.16 Billion | 7.50% | 7.00x | $2.19 Billion |
| TISCO Financial Group PCL (47T) | $42.45 Billion | 17.20% | 5.85x | $2.07 Billion |
| Fukuoka Financial Group Inc (4FK) | $1.02 Trillion | 5.99% | 30.95x | $6.50 Billion |
| PT Bank KB Bukopin Tbk (5BB) | $8.59 Trillion | 2.21% | 10.13x | $15.54 Million |
| FIDEA Holdings Co. Ltd (5F9) | $111.94 Billion | 4.13% | 24.43x | $177.57 Million |
| Harbin Bank Co. Ltd (5H6) | $65.60 Billion | 1.40% | 12.97x | $84.91 Million |