Komplett Bank ASA
Morrow Bank ASA provides unsecured financing to private individuals in Norway, Finland, Sweden, Netherlands, and Germany. The company offers deposit products, consumer loans, credit cards, and point of sale finance products. It also provides payment, travel and cancellation, purchase insurance products, as well as ID theft services. The company was formerly known as Komplett Bank ASA and changed … Read more
Komplett Bank ASA (KBN) - Net Assets
Latest net assets as of December 2025: €2.72 Billion EUR
Based on the latest financial reports, Komplett Bank ASA (KBN) has net assets worth €2.72 Billion EUR as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€20.91 Billion) and total liabilities (€18.19 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 | €2.72 Billion |
| % of Total Assets | 13.0% |
| Annual Growth Rate | 8.63% |
| 5-Year Change | 38.36% |
| 10-Year Change | N/A |
| Growth Volatility | 11.33 |
Komplett Bank ASA - Net Assets Trend (2017–2025)
This chart illustrates how Komplett Bank ASA's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Komplett Bank ASA (2017–2025)
The table below shows the annual net assets of Komplett Bank ASA from 2017 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €2.72 Billion | +10.06% |
| 2024-12-31 | €2.47 Billion | +8.34% |
| 2023-12-31 | €2.28 Billion | +16.68% |
| 2022-12-31 | €1.95 Billion | -0.55% |
| 2021-12-31 | €1.96 Billion | -14.74% |
| 2020-12-31 | €2.30 Billion | +24.55% |
| 2019-12-31 | €1.85 Billion | +14.19% |
| 2018-12-31 | €1.62 Billion | +15.55% |
| 2017-12-31 | €1.40 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Komplett Bank ASA'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 221.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €1.22 Billion | 44.71% |
| Other Components | €1.50 Billion | 55.29% |
| Total Equity | €2.72 Billion | 100.00% |
Komplett Bank ASA Competitors by Market Cap
The table below lists competitors of Komplett Bank ASA ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Colombier Acquisition Corp. II
NYSE:CLBR
|
$155.33 Million |
|
Xxentria Technology Materials Co Ltd
TWO:8942
|
$155.33 Million |
|
Focus Minerals Ltd
AU:FML
|
$155.37 Million |
|
ACELYRIN, INC. Common Stock
NASDAQ:SLRN
|
$155.38 Million |
|
Electromed Inc
NYSE MKT:ELMD
|
$155.30 Million |
|
Rongcheer Industrial Technology (Suzhou) Co. Ltd. A
SHE:301360
|
$155.21 Million |
|
UTAH MED. PRODS DL-01
F:UTM
|
$155.19 Million |
|
AO World plc
F:81A
|
$155.05 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Komplett Bank ASA's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 2,469,100,000 to 2,717,500,000, a change of 248,400,000 (10.1%).
- Net income of 281,700,000 contributed positively to equity growth.
- Dividend payments of 92,300,000 reduced retained earnings.
- Other factors increased equity by 59,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €281.70 Million | +10.37% |
| Dividends Paid | €92.30 Million | -3.4% |
| Other Changes | €59.00 Million | +2.17% |
| Total Change | €- | 10.06% |
Book Value vs Market Value Analysis
This analysis compares Komplett Bank ASA'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 |
|---|---|---|---|
| 2017-12-31 | €8.18 | €1.15 | x |
| 2018-12-31 | €9.38 | €1.15 | x |
| 2019-12-31 | €10.05 | €1.15 | x |
| 2020-12-31 | €12.34 | €1.15 | x |
| 2021-12-31 | €10.48 | €1.15 | x |
| 2022-12-31 | €10.41 | €1.15 | x |
| 2023-12-31 | €9.94 | €1.15 | x |
| 2024-12-31 | €10.74 | €1.15 | x |
| 2025-12-31 | €11.74 | €1.15 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Komplett Bank ASA 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): 10.37%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 19.76%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 7.69x
- Recent ROE (10.37%) is above the historical average (8.58%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2017 | 19.53% | 38.60% | 0.11x | 4.54x | €133.62 Million |
| 2018 | 20.44% | 32.10% | 0.11x | 5.96x | €169.12 Million |
| 2019 | 10.97% | 17.26% | 0.11x | 5.74x | €17.94 Million |
| 2020 | 11.41% | 23.88% | 0.09x | 5.03x | €32.43 Million |
| 2021 | -10.63% | -23.82% | 0.09x | 5.15x | €-405.11 Million |
| 2022 | 0.05% | 0.11% | 0.07x | 5.90x | €-194.43 Million |
| 2023 | 6.66% | 14.41% | 0.08x | 6.00x | €-76.01 Million |
| 2024 | 8.45% | 16.35% | 0.07x | 7.54x | €-38.21 Million |
| 2025 | 10.37% | 19.76% | 0.07x | 7.69x | €9.95 Million |
Industry Comparison
This section compares Komplett Bank ASA's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $2,151,195,313,100
- Average return on equity (ROE) among peers: 3.71%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Komplett Bank ASA (KBN) | €2.72 Billion | 19.53% | 6.69x | $155.32 Million |
| PT Bank Sinarmas Tbk (08S) | $6.07 Trillion | 0.11% | 5.02x | $303.68 Million |
| Seven Bank Ltd (0S7) | $275.85 Billion | 11.59% | 5.23x | $648.12 Million |
| Aktia Pankki Oyj (2A41) | $666.83 Million | 6.39% | 14.86x | $486.03 Million |
| Manx Financial Group PLC (3IM) | $24.98 Million | 11.18% | 11.36x | $13.98 Million |
| TowneBank (3T8) | $1.14 Billion | 7.67% | 6.46x | $2.10 Billion |
| TISCO Financial Group PCL (47T) | $42.45 Billion | 17.20% | 5.85x | $2.09 Billion |
| Bank of Qingdao Co. Ltd (4BQ) | $44.90 Billion | 9.50% | 14.37x | $867.69 Million |
| Fukuoka Financial Group Inc (4FK) | $853.06 Billion | 12.97% | 28.39x | $6.27 Billion |
| PT Bank KB Bukopin Tbk (5BB) | $14.11 Trillion | -42.76% | 4.97x | $15.54 Million |
| FIDEA Holdings Co. Ltd (5F9) | $109.23 Billion | 3.21% | 28.89x | $177.57 Million |