Commerzbank AG (ZZMS) - Net Assets
Based on the latest financial reports, Commerzbank AG (ZZMS) has net assets worth €35.77 Billion EUR (≈ $41.82 Billion USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€592.95 Billion ≈ $693.22 Billion USD) and total liabilities (€557.18 Billion ≈ $651.40 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 asset resilience ratio of Commerzbank AG to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €35.77 Billion |
| % of Total Assets | 6.03% |
| Annual Growth Rate | 2.6% |
| 5-Year Change | 24.88% |
| 10-Year Change | 18.56% |
| Growth Volatility | 4.93 |
Commerzbank AG - Net Assets Trend (2013–2024)
This chart illustrates how Commerzbank AG's net assets have evolved over time, based on quarterly financial data. Also explore Commerzbank AG assets under control for the complete picture of this company's asset base.
Annual Net Assets for Commerzbank AG (2013–2024)
The table below shows the annual net assets of Commerzbank AG from 2013 to 2024. For live valuation and market cap data, see market cap of Commerzbank AG.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | €35.72 Billion ≈ $41.76 Billion |
+8.21% |
| 2023-12-31 | €33.01 Billion ≈ $38.59 Billion |
+6.81% |
| 2022-12-31 | €30.90 Billion ≈ $36.13 Billion |
+3.61% |
| 2021-12-31 | €29.83 Billion ≈ $34.87 Billion |
+4.29% |
| 2020-12-31 | €28.60 Billion ≈ $33.44 Billion |
-6.74% |
| 2019-12-31 | €30.67 Billion ≈ $35.85 Billion |
+4.27% |
| 2018-12-31 | €29.41 Billion ≈ $34.38 Billion |
-2.09% |
| 2017-12-31 | €30.04 Billion ≈ $35.12 Billion |
+1.35% |
| 2016-12-31 | €29.64 Billion ≈ $34.65 Billion |
-1.61% |
| 2015-12-31 | €30.12 Billion ≈ $35.22 Billion |
+11.44% |
| 2014-12-31 | €27.03 Billion ≈ $31.60 Billion |
+0.37% |
| 2013-12-31 | €26.93 Billion ≈ $31.49 Billion |
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Equity Component Analysis
This analysis shows how different components contribute to Commerzbank AG'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 78.2% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €19.00 Billion | 55.12% |
| Other Components | €15.47 Billion | 44.88% |
| Total Equity | €34.47 Billion | 100.00% |
Commerzbank AG Competitors by Market Cap
The table below lists competitors of Commerzbank AG ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
UltraTech Cement Limited
NSE:ULTRACEMCO
|
$36.85 Billion |
|
PT BK CE.AS.ADR/25 RP625
F:BZG
|
$36.90 Billion |
|
WEG S.A
SA:WEGE3
|
$36.93 Billion |
|
Galderma Group N
SW:GALD
|
$37.01 Billion |
|
AHOLD DELHAI.ADR16 EO-25
F:AHOD
|
$36.74 Billion |
|
Take-Two Interactive Software Inc
NASDAQ:TTWO
|
$36.67 Billion |
|
Naspers Limited
JSE:NPN
|
$36.64 Billion |
|
EQT Corporation
NYSE:EQT
|
$36.61 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Commerzbank AG's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 31,992,000,000 to 34,468,000,000, a change of 2,476,000,000 (7.7%).
- Net income of 2,677,000,000 contributed positively to equity growth.
- Dividend payments of 415,000,000 reduced retained earnings.
- Share repurchases of 1,072,000,000 reduced equity.
- Other factors increased equity by 1,286,000,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €2.68 Billion | +7.77% |
| Dividends Paid | €415.00 Million | -1.2% |
| Share Repurchases | €1.07 Billion | -3.11% |
| Other Changes | €1.29 Billion | +3.73% |
| Total Change | €- | 7.74% |
Book Value vs Market Value Analysis
This analysis compares Commerzbank AG'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: 1.16x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 1.50x to 1.16x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-12-31 | €23.06 | €34.60 | x |
| 2018-12-31 | €22.53 | €34.60 | x |
| 2019-12-31 | €23.45 | €34.60 | x |
| 2020-12-31 | €21.94 | €34.60 | x |
| 2021-12-31 | €23.04 | €34.60 | x |
| 2022-12-31 | €23.97 | €34.60 | x |
| 2023-12-31 | €25.80 | €34.60 | x |
| 2024-12-31 | €29.88 | €34.60 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Commerzbank AG 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): 7.77%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 21.66%
- • Asset Turnover: 0.02x
- • Equity Multiplier: 16.09x
- Recent ROE (7.77%) is above the historical average (1.86%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2013 | 0.31% | 1.08% | 0.01x | 21.15x | €-2.52 Billion |
| 2014 | 1.02% | 3.44% | 0.01x | 21.37x | €-2.35 Billion |
| 2015 | 3.72% | 11.74% | 0.02x | 18.29x | €-1.83 Billion |
| 2016 | 0.98% | 2.99% | 0.02x | 16.79x | €-2.58 Billion |
| 2017 | 0.54% | 1.68% | 0.02x | 15.67x | €-2.73 Billion |
| 2018 | 3.07% | 10.00% | 0.02x | 16.39x | €-1.96 Billion |
| 2019 | 2.19% | 7.21% | 0.02x | 15.79x | €-2.29 Billion |
| 2020 | -10.44% | -39.82% | 0.01x | 18.45x | €-5.62 Billion |
| 2021 | 1.49% | 4.45% | 0.02x | 16.40x | €-2.46 Billion |
| 2022 | 4.78% | 13.81% | 0.02x | 15.91x | €-1.57 Billion |
| 2023 | 6.95% | 18.83% | 0.02x | 16.17x | €-975.20 Million |
| 2024 | 7.77% | 21.66% | 0.02x | 16.09x | €-769.80 Million |
Industry Comparison
This section compares Commerzbank AG's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $4,686,456,747,900
- Average return on equity (ROE) among peers: 9.51%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Commerzbank AG (ZZMS) | €35.77 Billion | 0.31% | 15.58x | $36.76 Billion |
| Grupo Supervielle S.A (189A) | $53.42 Billion | -1.61% | 6.34x | $610.24 Million |
| Bank of Zhengzhou Co. Ltd (3BZ) | $39.89 Billion | 8.24% | 11.55x | $252.75 Million |
| Manx Financial Group PLC (3IM) | $37.31 Million | 21.71% | 12.34x | $31.55 Million |
| Postal Savings Bank of China Co Ltd (3YB) | $544.88 Billion | 11.18% | 17.75x | $12.54 Billion |
| PO.S.B.O. UNSP.ADRS/20YC1 (3YB0) | $1.03 Trillion | 8.38% | 15.56x | $13.93 Billion |
| TISCO Financial Group Public Company Limited (47TA) | $34.73 Billion | 17.53% | 7.74x | $2.49 Billion |
| Bank of Qingdao Co. Ltd (4BQ) | $26.12 Billion | 7.27% | 10.72x | $1.47 Billion |
| Harbin Bank Co. Ltd (5H6) | $42.41 Billion | 12.38% | 12.31x | $137.86 Million |
| JAPAN POST BK UNSP.ADR/1 (5JP0) | $9.65 Trillion | 3.37% | 22.79x | $53.42 Billion |
| Grupo Aval Acciones y Valores S.A (6GAA) | $35.44 Trillion | 6.63% | 8.11x | $1.61 Billion |
About Commerzbank AG
Commerzbank AG provides banking and capital market products and services to private and small business customers, corporate, financial service providers, and institutional clients in Germany, rest of Europe, the Americas, Asia, and internationally. It operates through two segments, Private and Small-Business Customers, and Corporate Clients. The company offers saving, fixed deposit, checking, bus… Read more