Finbond Group Ltd
Finbond Group Limited operates as a financial services institution. It operates through Deposit and Debt Finance Products, Lending, Property Investment, and Transactional Banking segments. The company offers short-term consumer lending services; transactional banking products; personal banking; overdraft facility; business banking products, such as commercial, business, and small enterprise accou… Read more
Finbond Group Ltd (FGL) - Net Assets
Latest net assets as of August 2025: ZAC708.14 Million ZAC
Based on the latest financial reports, Finbond Group Ltd (FGL) has net assets worth ZAC708.14 Million ZAC as of August 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (ZAC4.62 Billion) and total liabilities (ZAC3.91 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 | ZAC708.14 Million |
| % of Total Assets | 15.33% |
| Annual Growth Rate | 30.75% |
| 5-Year Change | -40.42% |
| 10-Year Change | 88.42% |
| Growth Volatility | 633.55 |
Finbond Group Ltd - Net Assets Trend (2005–2025)
This chart illustrates how Finbond Group Ltd's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Finbond Group Ltd (2005–2025)
The table below shows the annual net assets of Finbond Group Ltd from 2005 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-02-28 | ZAC731.04 Million | -12.13% |
| 2024-02-29 | ZAC831.96 Million | -24.10% |
| 2023-02-28 | ZAC1.10 Billion | +7.68% |
| 2022-02-28 | ZAC1.02 Billion | -17.03% |
| 2021-02-28 | ZAC1.23 Billion | -27.81% |
| 2020-02-29 | ZAC1.70 Billion | +2.88% |
| 2019-02-28 | ZAC1.65 Billion | +41.12% |
| 2018-02-28 | ZAC1.17 Billion | +2.93% |
| 2017-02-28 | ZAC1.14 Billion | +193.15% |
| 2016-02-29 | ZAC387.99 Million | +12.17% |
| 2015-02-28 | ZAC345.90 Million | +4.95% |
| 2014-02-28 | ZAC329.60 Million | +8.09% |
| 2013-02-28 | ZAC304.93 Million | +23.42% |
| 2012-02-29 | ZAC247.07 Million | +5.09% |
| 2011-02-28 | ZAC235.09 Million | -6.93% |
| 2010-02-28 | ZAC252.59 Million | +18.10% |
| 2009-02-28 | ZAC213.89 Million | -27.05% |
| 2008-02-29 | ZAC293.19 Million | +2916.47% |
| 2007-02-28 | ZAC9.72 Million | +48.91% |
| 2006-02-28 | ZAC6.53 Million | +90.35% |
| 2005-02-28 | ZAC3.43 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Finbond Group Ltd'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 decreased by 15671.9% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (February 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | ZAC981.88 Million | 134.34% |
| Other Comprehensive Income | ZAC386.89 Million | 52.93% |
| Total Equity | ZAC730.91 Million | 100.00% |
Finbond Group Ltd Competitors by Market Cap
The table below lists competitors of Finbond Group Ltd ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Sarawak Cable Bhd
KLSE:5170
|
$312.56K |
|
Metgasco Ltd
AU:MEL
|
$312.72K |
|
Acenta Group AB
ST:PADEL
|
$312.82K |
|
Lithoquest Resources Inc
PINK:CWVWF
|
$312.89K |
|
SCSK Corp
MU:QSU
|
$312.42K |
|
SSE (SCT.SG)
STU:SCT
|
$312.29K |
|
MITSUI O.S.K.LINES - Dusseldorf Stock Exchang
DU:MILA
|
$311.96K |
|
Buenaventura Mining Co Inc
STU:MBU
|
$311.93K |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Finbond Group Ltd's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 832,558,000 to 730,914,000, a change of -101,644,000 (-12.2%).
- Net income of 31,799,000 contributed positively to equity growth.
- Other comprehensive income decreased equity by 102,297,001.
- Other factors decreased equity by 31,145,999.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ZAC31.80 Million | +4.35% |
| Other Comprehensive Income | ZAC-102.30 Million | -14.0% |
| Other Changes | ZAC-31.15 Million | -4.26% |
| Total Change | ZAC- | -12.21% |
Book Value vs Market Value Analysis
This analysis compares Finbond Group Ltd'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: 70.59x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 8502.57x to 70.59x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2005-02-28 | ZAC0.01 | ZAC113.00 | x |
| 2006-02-28 | ZAC0.03 | ZAC113.00 | x |
| 2007-02-28 | ZAC0.05 | ZAC113.00 | x |
| 2008-02-29 | ZAC1.33 | ZAC113.00 | x |
| 2009-02-28 | ZAC0.65 | ZAC113.00 | x |
| 2010-02-28 | ZAC0.62 | ZAC113.00 | x |
| 2011-02-28 | ZAC0.61 | ZAC113.00 | x |
| 2012-02-29 | ZAC0.60 | ZAC113.00 | x |
| 2013-02-28 | ZAC0.48 | ZAC113.00 | x |
| 2014-02-28 | ZAC0.50 | ZAC113.00 | x |
| 2015-02-28 | ZAC0.54 | ZAC113.00 | x |
| 2016-02-29 | ZAC0.61 | ZAC113.00 | x |
| 2017-02-28 | ZAC1.16 | ZAC113.00 | x |
| 2018-02-28 | ZAC1.06 | ZAC113.00 | x |
| 2019-02-28 | ZAC1.57 | ZAC113.00 | x |
| 2020-02-29 | ZAC1.57 | ZAC113.00 | x |
| 2021-02-28 | ZAC1.18 | ZAC113.00 | x |
| 2022-02-28 | ZAC0.98 | ZAC113.00 | x |
| 2023-02-28 | ZAC0.95 | ZAC113.00 | x |
| 2024-02-29 | ZAC1.13 | ZAC113.00 | x |
| 2025-02-28 | ZAC1.60 | ZAC113.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Finbond Group Ltd 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): 4.35%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 2.21%
- • Asset Turnover: 0.32x
- • Equity Multiplier: 6.19x
- Recent ROE (4.35%) is below the historical average (12.29%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | 95.50% | 31.59% | 0.97x | 3.10x | ZAC2.93 Million |
| 2006 | 82.69% | 39.35% | 0.95x | 2.21x | ZAC4.74 Million |
| 2007 | 59.66% | 40.13% | 0.90x | 1.64x | ZAC4.83 Million |
| 2008 | 22.68% | 21.15% | 0.66x | 1.62x | ZAC35.04 Million |
| 2009 | -29.78% | -40.82% | 0.34x | 2.14x | ZAC-77.05 Million |
| 2010 | 23.05% | 23.57% | 0.51x | 1.91x | ZAC32.95 Million |
| 2011 | -8.64% | -14.72% | 0.31x | 1.87x | ZAC-43.90 Million |
| 2012 | 5.42% | 7.50% | 0.38x | 1.93x | ZAC-11.34 Million |
| 2013 | 6.78% | 10.95% | 0.34x | 1.82x | ZAC-9.84 Million |
| 2014 | 11.17% | 13.69% | 0.25x | 3.29x | ZAC3.87 Million |
| 2015 | 14.67% | 13.08% | 0.29x | 3.89x | ZAC16.19 Million |
| 2016 | 14.73% | 12.18% | 0.33x | 3.68x | ZAC18.37 Million |
| 2017 | 14.83% | 9.66% | 0.45x | 3.40x | ZAC45.16 Million |
| 2018 | 23.25% | 10.55% | 0.67x | 3.29x | ZAC133.46 Million |
| 2019 | 2.48% | 1.64% | 0.66x | 2.30x | ZAC-111.93 Million |
| 2020 | 6.72% | 4.12% | 0.51x | 3.22x | ZAC-47.59 Million |
| 2021 | -28.91% | -15.64% | 0.43x | 4.28x | ZAC-397.60 Million |
| 2022 | -29.18% | -15.81% | 0.33x | 5.53x | ZAC-327.80 Million |
| 2023 | -33.37% | -20.98% | 0.25x | 6.24x | ZAC-344.45 Million |
| 2024 | 0.07% | 0.04% | 0.33x | 5.14x | ZAC-82.70 Million |
| 2025 | 4.35% | 2.21% | 0.32x | 6.19x | ZAC-41.29 Million |
Industry Comparison
This section compares Finbond Group Ltd's net assets metrics with peer companies in the Mortgage Finance industry.
No peer company data available for comparison.