NOVA LJUBLJ.BK GDR REG.S (N1V2) - Net Assets
Based on the latest financial reports, NOVA LJUBLJ.BK GDR REG.S (N1V2) has net assets worth €3.97 Billion EUR (≈ $4.64 Billion USD) as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€32.27 Billion ≈ $37.73 Billion USD) and total liabilities (€28.31 Billion ≈ $33.09 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. Check NOVA LJUBLJ.BK GDR REG.S PP&E and investment ratio to assess the company's strategic physical and investment asset allocation.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €3.97 Billion |
| % of Total Assets | 12.29% |
| Annual Growth Rate | 14.88% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 4.78 |
NOVA LJUBLJ.BK GDR REG.S - Net Assets Trend (2021–2025)
This chart illustrates how NOVA LJUBLJ.BK GDR REG.S's net assets have evolved over time, based on quarterly financial data. For live market cap and overall valuation, see NOVA LJUBLJ.BK GDR REG.S (N1V2) market capitalisation.
Annual Net Assets for NOVA LJUBLJ.BK GDR REG.S (2021–2025)
The table below shows the annual net assets of NOVA LJUBLJ.BK GDR REG.S from 2021 to 2025. Also explore N1V2 net assets growth trend to track the company's year-over-year net asset growth rate.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €3.86 Billion ≈ $4.51 Billion |
+17.05% |
| 2024-12-31 | €3.30 Billion ≈ $3.86 Billion |
+11.87% |
| 2023-12-31 | €2.95 Billion ≈ $3.45 Billion |
+21.70% |
| 2022-12-31 | €2.42 Billion ≈ $2.83 Billion |
+9.30% |
| 2021-12-31 | €2.22 Billion ≈ $2.59 Billion |
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Equity Component Analysis
This analysis shows how different components contribute to NOVA LJUBLJ.BK GDR REG.S'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 112.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €2.14 Billion | 56.54% |
| Other Components | €1.64 Billion | 43.46% |
| Total Equity | €3.78 Billion | 100.00% |
NOVA LJUBLJ.BK GDR REG.S Competitors by Market Cap
The table below lists competitors of NOVA LJUBLJ.BK GDR REG.S ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Shandong Intco Medical Products Co Ltd
SHE:300677
|
$4.90 Billion |
|
Asseco Poland S.A.
WAR:ACP
|
$4.90 Billion |
|
Xometry Inc
NASDAQ:XMTR
|
$4.91 Billion |
|
DEME Group NV
BR:DEME
|
$4.91 Billion |
|
Karman Holdings Inc.
NYSE:KRMN
|
$4.90 Billion |
|
Floor & Decor Holdings Inc
NYSE:FND
|
$4.90 Billion |
|
PriceSmart Inc
NASDAQ:PSMT
|
$4.89 Billion |
|
Wintime Energy Co Ltd
SHG:600157
|
$4.88 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in NOVA LJUBLJ.BK GDR REG.S's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 3,225,960,000 to 3,781,576,000, a change of 555,616,000 (17.2%).
- Net income of 503,055,000 contributed positively to equity growth.
- Dividend payments of 265,847,000 reduced retained earnings.
- New share issuances of 300,000,000 increased equity.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €503.06 Million | +13.3% |
| Dividends Paid | €265.85 Million | -7.03% |
| Share Issuances | €300.00 Million | +7.93% |
| Other Changes | €18.41 Million | +0.49% |
| Total Change | €- | 17.22% |
Book Value vs Market Value Analysis
This analysis compares NOVA LJUBLJ.BK GDR REG.S'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: 0.23x
- 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 0.42x to 0.23x 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 | €103.94 | €43.40 | x |
| 2022-12-31 | €118.28 | €43.40 | x |
| 2023-12-31 | €144.14 | €43.40 | x |
| 2024-12-31 | €161.30 | €43.40 | x |
| 2025-12-31 | €189.08 | €43.40 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently NOVA LJUBLJ.BK GDR REG.S 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): 13.30%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 37.07%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 8.32x
- Recent ROE (13.30%) is below the historical average (15.72%), 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 | 11.37% | 33.71% | 0.03x | 10.38x | €28.53 Million |
| 2022 | 18.89% | 53.75% | 0.03x | 10.21x | €210.30 Million |
| 2023 | 19.10% | 47.77% | 0.04x | 9.00x | €262.42 Million |
| 2024 | 15.95% | 39.81% | 0.05x | 8.69x | €191.96 Million |
| 2025 | 13.30% | 37.07% | 0.04x | 8.32x | €124.90 Million |
Industry Comparison
This section compares NOVA LJUBLJ.BK GDR REG.S's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $4,287,368,671,600
- Average return on equity (ROE) among peers: 6.45%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| NOVA LJUBLJ.BK GDR REG.S (N1V2) | €3.97 Billion | 11.37% | 7.14x | $4.90 Billion |
| Grupo Supervielle S.A (189A) | $16.97 Billion | -17.85% | 7.35x | $590.94 Million |
| WOORI FIN. GRP SP.ADR/3 (2WGA) | $31.63 Trillion | 10.08% | 14.19x | $11.06 Billion |
| Bank of Zhengzhou Co. Ltd (3BZ) | $39.89 Billion | 8.24% | 11.55x | $219.68 Million |
| Manx Financial Group PLC (3IM) | $43.55 Million | 14.67% | 11.89x | $30.82 Million |
| Postal Savings Bank of China Co Ltd (3YB) | $795.55 Billion | 9.57% | 14.82x | $13.57 Billion |
| PO.S.B.O. UNSP.ADRS/20YC1 (3YB0) | $1.16 Trillion | 7.52% | 15.07x | $13.93 Billion |
| TISCO Financial Group Public Company Limited (47TA) | $42.45 Billion | 17.20% | 5.85x | $2.59 Billion |
| Bank of Qingdao Co. Ltd (4BQ) | $33.33 Billion | 8.77% | 14.67x | $1.46 Billion |
| Harbin Bank Co. Ltd (5H6) | $64.78 Billion | 1.77% | 14.73x | $116.65 Million |
| JAPAN POST BK UNSP.ADR/1 (5JP0) | $9.09 Trillion | 4.56% | 24.70x | $53.42 Billion |
About NOVA LJUBLJ.BK GDR REG.S
Nova Ljubljanska Banka d.d., together with its subsidiaries, provides various banking services for retail and corporate clients in Slovenia, South East Europe, and Western Europe. It operates through Retail Banking in Slovenia, Corporate and Investment Banking in Slovenia, Strategic Foreign Markets, Financial Markets in Slovenia, Non-Core Members, and Other segments. The company offers saving, de… Read more