Pareto Bank ASA Net Assets
Pareto Bank ASA net assets. Based on the latest financial reports, Pareto Bank ASA (PARB) has net assets worth Nkr5.81 Billion NOK (≈ $610.94 Million USD) as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Nkr24.68 Billion ≈ $2.60 Billion USD) and total liabilities (Nkr18.87 Billion ≈ $1.99 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. Also explore PARB net asset momentum to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Nkr5.81 Billion |
| % of Total Assets | 23.52% |
| Annual Growth Rate | 12.09% |
| 5-Year Change | 50.21% |
| 10-Year Change | 189.19% |
| Growth Volatility | 11.75 |
Net Assets of Pareto Bank ASA (2007–2025)
Net assets of Pareto Bank ASA from 2007 to 2025. This chart illustrates how Pareto Bank ASA's net assets have evolved over time, based on quarterly financial data. See net asset quality index of Pareto Bank ASA to measure how much of total assets are equity-financed.
Annual Net Assets for Pareto Bank ASA (2007–2025)
The table below shows the annual net assets of Pareto Bank ASA from 2007 to 2025. For live market cap and overall valuation, see Pareto Bank ASA (PARB) total market value.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | Nkr5.74 Billion ≈ $604.10 Million |
+5.59% |
| 2024-12-31 | Nkr5.44 Billion ≈ $572.09 Million |
+8.63% |
| 2023-12-31 | Nkr5.00 Billion ≈ $526.66 Million |
+18.59% |
| 2022-12-31 | Nkr4.22 Billion ≈ $444.11 Million |
+10.43% |
| 2021-12-31 | Nkr3.82 Billion ≈ $402.17 Million |
+8.09% |
| 2020-12-31 | Nkr3.54 Billion ≈ $372.07 Million |
+8.55% |
| 2019-12-31 | Nkr3.26 Billion ≈ $342.78 Million |
+29.89% |
| 2018-12-31 | Nkr2.51 Billion ≈ $263.89 Million |
+17.96% |
| 2017-12-31 | Nkr2.13 Billion ≈ $223.71 Million |
+7.09% |
| 2016-12-31 | Nkr1.99 Billion ≈ $208.90 Million |
+47.01% |
| 2015-12-31 | Nkr1.35 Billion ≈ $142.10 Million |
+11.70% |
| 2014-12-31 | Nkr1.21 Billion ≈ $127.22 Million |
+17.68% |
| 2013-12-31 | Nkr1.03 Billion ≈ $108.11 Million |
+26.56% |
| 2012-12-31 | Nkr811.80 Million ≈ $85.43 Million |
+5.47% |
| 2011-12-31 | Nkr769.70 Million ≈ $80.99 Million |
+2.96% |
| 2010-12-31 | Nkr747.55 Million ≈ $78.66 Million |
+0.17% |
| 2009-12-31 | Nkr746.27 Million ≈ $78.53 Million |
+0.29% |
| 2008-12-31 | Nkr744.11 Million ≈ $78.30 Million |
+1.17% |
| 2007-12-31 | Nkr735.47 Million ≈ $77.39 Million |
-- |
Equity Component Analysis
This analysis shows how different components contribute to Pareto 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 decreased by 0.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Pareto Bank ASA Net Assets Breakdown (December 2025)
Pareto Bank ASA net assets breakdown by equity component as of December 2025.
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | Nkr921.39 Million | 16.05% |
| Other Components | Nkr4.82 Billion | 83.95% |
| Total Equity | Nkr5.74 Billion | 100.00% |
Pareto Bank ASA Competitors by Market Cap
The table below lists competitors of Pareto Bank ASA ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
WhiteFiber, Inc. Ordinary Shares
NASDAQ:WYFI
|
$396.78 Million |
|
Mo-Bruk SA
WAR:MBR
|
$396.87 Million |
|
Shenzhen Chuangyitong Technology Co.Ltd.
SHE:300991
|
$396.99 Million |
|
Suzhou Weizhixiang Food Co. Ltd.
SHG:605089
|
$397.01 Million |
|
Yuanbao Inc. American Depositary Shares
NASDAQ:YB
|
$396.47 Million |
|
Tianjin Realty Development Group Co Ltd
SHG:600322
|
$396.41 Million |
|
Dhipaya Group Holdings PCL
BK:TIPH-R
|
$396.40 Million |
|
Suzhou Longjie Special Fiber Co Ltd
SHG:603332
|
$396.36 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Pareto Bank ASA's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 5,436,632,000 to 5,740,797,000, a change of 304,165,000 (5.6%).
- Net income of 675,609,000 contributed positively to equity growth.
- Dividend payments of 318,647,000 reduced retained earnings.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Nkr675.61 Million | +11.77% |
| Dividends Paid | Nkr318.65 Million | -5.55% |
| Other Changes | Nkr-52.80 Million | -0.92% |
| Total Change | Nkr- | 5.59% |
Book Value vs Market Value Analysis
This analysis compares Pareto 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: 0.66x
- 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 2.55x to 0.66x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-12-31 | Nkr19.26 | Nkr49.10 | x |
| 2014-12-31 | Nkr22.67 | Nkr49.10 | x |
| 2015-12-31 | Nkr25.32 | Nkr49.10 | x |
| 2016-12-31 | Nkr32.69 | Nkr49.10 | x |
| 2017-12-31 | Nkr35.84 | Nkr49.10 | x |
| 2018-12-31 | Nkr41.99 | Nkr49.10 | x |
| 2019-12-31 | Nkr45.63 | Nkr49.10 | x |
| 2020-12-31 | Nkr49.44 | Nkr49.10 | x |
| 2021-12-31 | Nkr53.71 | Nkr49.10 | x |
| 2022-12-31 | Nkr60.42 | Nkr49.10 | x |
| 2023-12-31 | Nkr65.18 | Nkr49.10 | x |
| 2024-12-31 | Nkr70.96 | Nkr49.10 | x |
| 2025-12-31 | Nkr74.93 | Nkr49.10 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Pareto 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): 11.77%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 52.16%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 4.41x
- Recent ROE (11.77%) is below the historical average (12.71%), 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 | 11.31% | 47.03% | 0.03x | 8.65x | Nkr13.46 Million |
| 2014 | 13.40% | 52.60% | 0.03x | 9.38x | Nkr41.10 Million |
| 2015 | 12.93% | 48.96% | 0.03x | 8.25x | Nkr39.56 Million |
| 2016 | 12.46% | 54.31% | 0.04x | 6.52x | Nkr48.79 Million |
| 2017 | 14.70% | 58.32% | 0.04x | 6.16x | Nkr100.00 Million |
| 2018 | 13.19% | 59.19% | 0.04x | 6.22x | Nkr80.00 Million |
| 2019 | 12.21% | 57.60% | 0.04x | 5.38x | Nkr71.88 Million |
| 2020 | 12.12% | 57.20% | 0.04x | 5.51x | Nkr74.78 Million |
| 2021 | 13.20% | 59.43% | 0.04x | 5.23x | Nkr122.35 Million |
| 2022 | 13.16% | 57.65% | 0.04x | 5.28x | Nkr133.45 Million |
| 2023 | 12.10% | 54.05% | 0.04x | 5.16x | Nkr104.97 Million |
| 2024 | 12.64% | 54.85% | 0.05x | 5.01x | Nkr143.61 Million |
| 2025 | 11.77% | 52.16% | 0.05x | 4.41x | Nkr101.53 Million |
Industry Comparison
This section compares Pareto Bank ASA's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $3,761,241,116
- Average return on equity (ROE) among peers: 9.24%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Pareto Bank ASA (PARB) | Nkr5.81 Billion | 11.31% | 3.25x | $396.71 Million |
| Aasen Sparebank (AASB) | $568.33 Million | 7.16% | 7.69x | $25.12 Million |
| Aurskog Sparebank (AURG) | $2.55 Billion | 10.17% | 7.33x | $124.75 Million |
| Bien Sparebank ASA (BIEN) | $652.26 Million | 6.45% | 6.60x | $86.07 Million |
| DnB ASA (DNB) | $25.84 Billion | 15.87% | 12.86x | $47.74 Billion |
| Grong Sparebank (GRONG) | $580.78 Million | 7.93% | 9.14x | $70.64 Million |
| Helgeland Sparebank (HELG) | $3.56 Billion | 8.56% | 8.56x | $485.19 Million |
| Holand og Setskog Sparebank (HSPG) | $294.96 Million | 5.63% | 12.41x | $8.69 Million |
| Instabank ASA (INSTA) | $948.14 Million | 10.64% | 6.68x | $230.55 Million |
| Jaeren Sparebank (JAREN) | $2.11 Billion | 7.18% | 6.55x | $168.20 Million |
| Kraft Bank Asa (KRAB) | $506.89 Million | 12.83% | 7.71x | $51.62 Million |
About Pareto Bank ASA
Pareto Bank ASA provides various banking products and services in Norway. The company accepts corporate and private deposits. It also offers business financing, such as acquisition, buyout, recapitalization, owner, bridging, operating and working capital, and operating loans; and land, construction, top funding, bridge financing, liquidity, and other credits. Pareto Bank ASA was incorporated in 2… Read more