Unifin Financiera S. A. B. de C. V
Unifin Financiera, S. A. B. de C. V. operates as a leasing company in Mexico. It provides leasing facilities for vehicles, equipment, machinery, and other products; financial factoring services, such as delegated and direct collection services; medical, auto, home, civil liability, and life insurance products, as well as insurance to protect against damage and theft surety bail bonds; and fleet m… Read more
Unifin Financiera S. A. B. de C. V (UNIFINA) - Net Assets
Latest net assets as of June 2022: MX$13.12 Billion MXN
Based on the latest financial reports, Unifin Financiera S. A. B. de C. V (UNIFINA) has net assets worth MX$13.12 Billion MXN as of June 2022.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (MX$96.92 Billion) and total liabilities (MX$83.80 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 | MX$13.12 Billion |
| % of Total Assets | 13.54% |
| Annual Growth Rate | 26.68% |
| 5-Year Change | -47.11% |
| 10-Year Change | 62.68% |
| Growth Volatility | 75.83 |
Unifin Financiera S. A. B. de C. V - Net Assets Trend (2000–2024)
This chart illustrates how Unifin Financiera S. A. B. de C. V's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Unifin Financiera S. A. B. de C. V (2000–2024)
The table below shows the annual net assets of Unifin Financiera S. A. B. de C. V from 2000 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | MX$7.07 Billion | +220.87% |
| 2023-12-31 | MX$2.20 Billion | -72.69% |
| 2022-12-31 | MX$8.07 Billion | -36.93% |
| 2021-12-31 | MX$12.79 Billion | -4.31% |
| 2020-12-31 | MX$13.37 Billion | +22.68% |
| 2019-12-31 | MX$10.90 Billion | -16.10% |
| 2018-12-31 | MX$12.99 Billion | +71.29% |
| 2017-12-31 | MX$7.58 Billion | +37.88% |
| 2016-12-31 | MX$5.50 Billion | +26.55% |
| 2015-12-31 | MX$4.35 Billion | +183.10% |
| 2014-12-31 | MX$1.54 Billion | +61.12% |
| 2013-12-31 | MX$952.94 Million | +41.18% |
| 2012-12-31 | MX$674.99 Million | +29.42% |
| 2011-12-31 | MX$521.56 Million | +14.46% |
| 2010-12-31 | MX$455.68 Million | +17.23% |
| 2009-12-31 | MX$388.70 Million | +99.11% |
| 2008-12-31 | MX$195.22 Million | +41.04% |
| 2007-12-31 | MX$138.41 Million | +36.34% |
| 2006-12-31 | MX$101.52 Million | +233.10% |
| 2002-12-31 | MX$30.48 Million | +13.85% |
| 2001-12-31 | MX$26.77 Million | +10.48% |
| 2000-12-31 | MX$24.23 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Unifin Financiera S. A. B. de C. V'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 919011.7% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | MX$49.58 Billion | 701.15% |
| Total Equity | MX$7.07 Billion | 100.00% |
Unifin Financiera S. A. B. de C. V Competitors by Market Cap
The table below lists competitors of Unifin Financiera S. A. B. de C. V ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Patriot Resources Ltd
AU:PAT
|
$2.62 Million |
|
RUBIX Resources Ltd
AU:RB6
|
$2.62 Million |
|
Elite Express Holding Inc. Class A Common Stock
NASDAQ:ETS
|
$2.63 Million |
|
Dolfines SAS
PA:ALDOL
|
$2.63 Million |
|
RELIANCE STEEL & AL (RS6.SG)
STU:RS6
|
$2.62 Million |
|
Pharmena S.A.
WAR:PHR
|
$2.62 Million |
|
M8 Sustainable Ltd
AU:M8S
|
$2.62 Million |
|
Raize Servicos de Gestao SA
LS:MLRZE
|
$2.62 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Unifin Financiera S. A. B. de C. V's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 2,203,759,000 to 7,071,197,000, a change of 4,867,438,000 (220.9%).
- Net loss of 38,190,496,000 reduced equity.
- Other factors increased equity by 43,057,934,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | MX$-38.19 Billion | -540.09% |
| Other Changes | MX$43.06 Billion | +608.92% |
| Total Change | MX$- | 220.87% |
Book Value vs Market Value Analysis
This analysis compares Unifin Financiera S. A. B. de C. V'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: 0.08x
- 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 0.58x to 0.08x 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 | MX$20.80 | MX$12.00 | x |
| 2018-12-31 | MX$35.63 | MX$12.00 | x |
| 2019-12-31 | MX$32.91 | MX$12.00 | x |
| 2020-12-31 | MX$28.20 | MX$12.00 | x |
| 2021-12-31 | MX$28.52 | MX$12.00 | x |
| 2022-12-31 | MX$17.91 | MX$12.00 | x |
| 2023-12-31 | MX$49.00 | MX$12.00 | x |
| 2024-12-31 | MX$157.22 | MX$12.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Unifin Financiera S. A. B. de C. V 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): -540.09%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -1354.03%
- • Asset Turnover: 0.09x
- • Equity Multiplier: 4.63x
- Recent ROE (-540.09%) is below the historical average (-50.95%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2013 | 35.46% | 10.72% | 0.29x | 11.29x | MX$242.66 Million |
| 2014 | 31.42% | 9.32% | 0.34x | 10.00x | MX$328.86 Million |
| 2015 | 25.16% | 16.71% | 0.26x | 5.76x | MX$658.82 Million |
| 2016 | 22.00% | 13.45% | 0.22x | 7.56x | MX$660.29 Million |
| 2017 | 23.39% | 13.28% | 0.24x | 7.20x | MX$1.02 Billion |
| 2018 | 14.81% | 11.12% | 0.26x | 5.22x | MX$624.97 Million |
| 2019 | 17.88% | 18.11% | 0.14x | 7.23x | MX$859.09 Million |
| 2020 | 10.20% | 12.30% | 0.13x | 6.38x | MX$26.95 Million |
| 2021 | 11.68% | 12.81% | 0.12x | 7.30x | MX$215.44 Million |
| 2022 | -80.12% | -61.15% | 0.13x | 10.29x | MX$-7.27 Billion |
| 2023 | -183.17% | -66.08% | 0.09x | 30.79x | MX$-4.26 Billion |
| 2024 | -540.09% | -1354.03% | 0.09x | 4.63x | MX$-38.90 Billion |
Industry Comparison
This section compares Unifin Financiera S. A. B. de C. V's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $3,369,251,000
- Average return on equity (ROE) among peers: 32.13%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Unifin Financiera S. A. B. de C. V (UNIFINA) | MX$13.12 Billion | 35.46% | 6.39x | $2.62 Million |
| Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL) | $4.35 Billion | 23.06% | 2.47x | $3.79 Million |
| Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (FINDEP) | $4.45 Billion | 7.79% | 1.38x | $90.07 Million |
| The Western Union Company (WU) | $1.30 Billion | 65.55% | 6.61x | $2.52 Billion |