BIEN SPAREB.AS NK 34375 (JX0) - Net Assets
Based on the latest financial reports, BIEN SPAREB.AS NK 34375 (JX0) has net assets worth €770.79 Million EUR (≈ $901.13 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 (€6.13 Billion ≈ $7.17 Billion USD) and total liabilities (€5.36 Billion ≈ $6.27 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. Explore BIEN SPAREB.AS NK 34375 (JX0) cash conversion ratio to assess how effectively this company generates cash.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €770.79 Million |
| % of Total Assets | 12.57% |
| Annual Growth Rate | 5.72% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 1.83 |
BIEN SPAREB.AS NK 34375 - Net Assets Trend (2022–2025)
This chart illustrates how BIEN SPAREB.AS NK 34375's net assets have evolved over time, based on quarterly financial data. Explore JX0 long-term investments to assets to see how much of total assets are deployed in long-term investments.
Annual Net Assets for BIEN SPAREB.AS NK 34375 (2022–2025)
The table below shows the annual net assets of BIEN SPAREB.AS NK 34375 from 2022 to 2025. For live valuation and market cap data, see BIEN SPAREB.AS NK 34375 (JX0) total market value.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €770.79 Million ≈ $901.13 Million |
+7.55% |
| 2024-12-31 | €716.68 Million ≈ $837.88 Million |
+3.24% |
| 2023-12-31 | €694.19 Million ≈ $811.58 Million |
+6.43% |
| 2022-12-31 | €652.26 Million ≈ $762.56 Million |
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Equity Component Analysis
This analysis shows how different components contribute to BIEN SPAREB.AS NK 34375'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 48.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €364.71 Million | 47.32% |
| Other Components | €406.08 Million | 52.68% |
| Total Equity | €770.79 Million | 100.00% |
BIEN SPAREB.AS NK 34375 Competitors by Market Cap
The table below lists competitors of BIEN SPAREB.AS NK 34375 ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Ybox Real Estate Ltd
TA:YBOX
|
$83.23 Million |
|
Niloerngruppen AB Series B
ST:NIL-B
|
$83.27 Million |
|
NS Co. Ltd
KQ:217820
|
$83.28 Million |
|
Oncopeptides AB
ST:ONCO
|
$83.35 Million |
|
Les Docks des Pétroles d-Ambès - SA
PA:DPAM
|
$83.13 Million |
|
ALM Equity AB (publ)
ST:ALM
|
$83.12 Million |
|
J Sainsbury PLC
LSE:SBRY
|
$83.10 Million |
|
Auburn National Bancorporation Inc
NASDAQ:AUBN
|
$83.03 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in BIEN SPAREB.AS NK 34375's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 716,685,000 to 770,786,000, a change of 54,101,000 (7.5%).
- Net income of 65,196,000 contributed positively to equity growth.
- Dividend payments of 30,383,000 reduced retained earnings.
- Other factors increased equity by 19,288,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €65.20 Million | +8.46% |
| Dividends Paid | €30.38 Million | -3.94% |
| Other Changes | €19.29 Million | +2.5% |
| Total Change | €- | 7.55% |
Book Value vs Market Value Analysis
This analysis compares BIEN SPAREB.AS NK 34375'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: 0.10x
- 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 |
|---|---|---|---|
| 2022-12-31 | €114.83 | €13.60 | x |
| 2023-12-31 | €122.21 | €13.60 | x |
| 2024-12-31 | €126.17 | €13.60 | x |
| 2025-12-31 | €135.70 | €13.60 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently BIEN SPAREB.AS NK 34375 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): 8.46%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 38.26%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 7.96x
- Recent ROE (8.46%) is above the historical average (7.86%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2022 | 6.45% | 35.50% | 0.02x | 7.60x | €-23.14 Million |
| 2023 | 8.04% | 38.98% | 0.03x | 7.36x | €-13.57 Million |
| 2024 | 8.48% | 39.69% | 0.03x | 7.61x | €-10.90 Million |
| 2025 | 8.46% | 38.26% | 0.03x | 7.96x | €-11.88 Million |
Industry Comparison
This section compares BIEN SPAREB.AS NK 34375's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $4,520,924,426,200
- Average return on equity (ROE) among peers: 10.49%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| BIEN SPAREB.AS NK 34375 (JX0) | €770.79 Million | 6.45% | 6.96x | $83.18 Million |
| Grupo Supervielle S.A (189A) | $35.68 Billion | 9.81% | 5.99x | $590.94 Million |
| WOORI FIN. GRP SP.ADR/3 (2WGA) | $33.40 Trillion | 7.50% | 13.91x | $11.06 Billion |
| Bank of Zhengzhou Co. Ltd (3BZ) | $56.85 Billion | 3.33% | 12.08x | $243.30 Million |
| Manx Financial Group PLC (3IM) | $37.31 Million | 21.71% | 12.34x | $36.64 Million |
| Postal Savings Bank of China Co Ltd (3YB) | $475.31 Billion | 11.01% | 19.02x | $13.01 Billion |
| PO.S.B.O. UNSP.ADRS/20YC1 (3YB0) | $825.81 Billion | 10.32% | 16.03x | $13.93 Billion |
| TISCO Financial Group Public Company Limited (47TA) | $37.83 Billion | 18.55% | 7.00x | $2.34 Billion |
| Bank of Qingdao Co. Ltd (4BQ) | $30.48 Billion | 7.50% | 11.26x | $1.28 Billion |
| Harbin Bank Co. Ltd (5H6) | $47.49 Billion | 11.68% | 11.96x | $123.72 Million |
| JAPAN POST BK UNSP.ADR/1 (5JP0) | $10.30 Trillion | 3.45% | 21.61x | $53.42 Billion |
About BIEN SPAREB.AS NK 34375
Bien Sparebank ASA operates as a savings bank that provides a range of banking and financial products and services to individuals and business customers in Norway and internationally. It operates through Retail Market and Corporate Market segments. The company offers banking services, such as bank cards, abroad payment, credit cards, account services, mobile banking and online banking services, a… Read more