VALIF
Valiant Holding AG, together with its subsidiaries, provides financial products and services in the areas of financing, payments, savings, investments, and retirement planning in Switzerland. The company offers savings; real estate financing; loans for working capital and other basic services for businesses; unsecured and consumer loans; payment transactions and other banking transactions through… Read more
VALIF (VALIF) - Net Assets
Latest net assets as of December 2025: $2.76 Billion USD
Based on the latest financial reports, VALIF (VALIF) has net assets worth $2.76 Billion USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($37.87 Billion) and total liabilities ($35.11 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 | $2.76 Billion |
| % of Total Assets | 7.3% |
| Annual Growth Rate | 2.97% |
| 5-Year Change | 15.22% |
| 10-Year Change | N/A |
| Growth Volatility | 1.02 |
VALIF - Net Assets Trend (2019–2025)
This chart illustrates how VALIF's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for VALIF (2019–2025)
The table below shows the annual net assets of VALIF from 2019 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $2.76 Billion | +3.23% |
| 2024-12-31 | $2.68 Billion | +3.96% |
| 2023-12-31 | $2.58 Billion | +4.38% |
| 2022-12-31 | $2.47 Billion | +2.86% |
| 2021-12-31 | $2.40 Billion | +1.59% |
| 2020-12-31 | $2.36 Billion | +1.85% |
| 2019-12-31 | $2.32 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to VALIF'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 17.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $1.98 Billion | 71.52% |
| Other Components | $787.19 Million | 28.48% |
| Total Equity | $2.76 Billion | 100.00% |
VALIF Competitors by Market Cap
The table below lists competitors of VALIF ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Aurinia Pharmaceuticals Inc
NASDAQ:AUPH
|
$1.86 Billion |
|
Chongqing Fuling Electric Power Industrial Co Ltd
SHG:600452
|
$1.86 Billion |
|
Jiangsu Financial Leasing Co Ltd Class A
SHG:600901
|
$1.86 Billion |
|
Ardentec
TWO:3264
|
$1.86 Billion |
|
HARBOUR ENERGY LS 000002
F:PQQ0
|
$1.86 Billion |
|
Marriot Vacations Worldwide
NYSE:VAC
|
$1.86 Billion |
|
Macrolink Real Estate Co Ltd
SHE:000620
|
$1.86 Billion |
|
COUNTRY GARDEN SVDL-0001
F:75H
|
$1.86 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in VALIF's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 2,677,412,000 to 2,763,930,000, a change of 86,518,000 (3.2%).
- Net income of 154,709,000 contributed positively to equity growth.
- Other factors decreased equity by 68,191,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $154.71 Million | +5.6% |
| Other Changes | $-68.19 Million | -2.47% |
| Total Change | $- | 3.23% |
Book Value vs Market Value Analysis
This analysis compares VALIF'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: 0.68x
- 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 0.81x to 0.68x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2019-12-31 | $146.80 | $118.35 | x |
| 2020-12-31 | $149.51 | $118.35 | x |
| 2021-12-31 | $151.89 | $118.35 | x |
| 2022-12-31 | $156.24 | $118.35 | x |
| 2023-12-31 | $163.08 | $118.35 | x |
| 2024-12-31 | $169.54 | $118.35 | x |
| 2025-12-31 | $175.02 | $118.35 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently VALIF 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): 5.60%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 28.13%
- • Asset Turnover: 0.01x
- • Equity Multiplier: 13.70x
- Recent ROE (5.60%) is above the historical average (5.36%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2019 | 5.16% | 29.68% | 0.01x | 12.90x | $-112.14 Million |
| 2020 | 5.16% | 29.36% | 0.01x | 14.05x | $-114.24 Million |
| 2021 | 5.13% | 28.43% | 0.01x | 14.82x | $-116.75 Million |
| 2022 | 5.25% | 27.08% | 0.01x | 14.48x | $-117.23 Million |
| 2023 | 5.60% | 25.97% | 0.02x | 14.01x | $-113.30 Million |
| 2024 | 5.62% | 27.13% | 0.01x | 13.87x | $-117.36 Million |
| 2025 | 5.60% | 28.13% | 0.01x | 13.70x | $-121.68 Million |
Industry Comparison
This section compares VALIF's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| VALIF (VALIF) | $2.76 Billion | 5.16% | 12.70x | $1.86 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |