Centrum Finansowe Banku BPS SA
Centrum Finansowe Banku BPS SA operates in Consumer Finance.
Centrum Finansowe Banku BPS SA (CFS) - Net Assets
Latest net assets as of June 2024: zł58.09 Million PLN
Based on the latest financial reports, Centrum Finansowe Banku BPS SA (CFS) has net assets worth zł58.09 Million PLN as of June 2024.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (zł83.95 Million) and total liabilities (zł25.86 Million). 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 | zł58.09 Million |
| % of Total Assets | 69.2% |
| Annual Growth Rate | 28.13% |
| 5-Year Change | 128.7% |
| 10-Year Change | N/A |
| Growth Volatility | 23.12 |
Centrum Finansowe Banku BPS SA - Net Assets Trend (2015–2022)
This chart illustrates how Centrum Finansowe Banku BPS SA's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Centrum Finansowe Banku BPS SA (2015–2022)
The table below shows the annual net assets of Centrum Finansowe Banku BPS SA from 2015 to 2022.
| Year | Net Assets | Change |
|---|---|---|
| 2022-12-31 | zł46.35 Million | +19.21% |
| 2021-12-31 | zł38.88 Million | +8.19% |
| 2020-12-31 | zł35.94 Million | +39.57% |
| 2019-12-31 | zł25.75 Million | +27.05% |
| 2018-12-31 | zł20.27 Million | +32.07% |
| 2017-12-31 | zł15.35 Million | +4.83% |
| 2016-12-31 | zł14.64 Million | +79.11% |
| 2015-12-31 | zł8.17 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Centrum Finansowe Banku BPS SA'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 933122199.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2022)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | zł8.27 Million | 17.85% |
| Other Components | zł38.08 Million | 82.15% |
| Total Equity | zł46.35 Million | 100.00% |
Centrum Finansowe Banku BPS SA Competitors by Market Cap
The table below lists competitors of Centrum Finansowe Banku BPS SA ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Globalink Investment Inc. Warrants
NASDAQ:GLLIW
|
$11.38K |
|
AGR GROUP -A-
BE:3AG1
|
$11.39K |
|
DEEP YELLOW
MU:JMI
|
$11.39K |
|
GLINTT-GLOBAL INT.
BE:PAJA
|
$11.39K |
|
Global Electrical Technology Corp
VN:GLT
|
$11.34K |
|
A-SPINE Asia Co., Ltd.
TWO:6758
|
$11.34K |
|
Ryder Capital Ltd
AU:RYD
|
$11.33K |
|
SUOMINEN EO 250
F:1S0
|
$11.32K |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Centrum Finansowe Banku BPS SA's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2021 to 2022, total equity changed from 38,883,629 to 46,354,483, a change of 7,470,854 (19.2%).
- Net income of 8,272,662 contributed positively to equity growth.
- Dividend payments of 4,047,937 reduced retained earnings.
- New share issuances of 836,348 increased equity.
- Other factors increased equity by 2,409,781.
Equity Change Factors (2021 to 2022)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | zł8.27 Million | +17.85% |
| Dividends Paid | zł4.05 Million | -8.73% |
| Share Issuances | zł836.35K | +1.8% |
| Other Changes | zł2.41 Million | +5.2% |
| Total Change | zł- | 19.21% |
Book Value vs Market Value Analysis
This analysis compares Centrum Finansowe Banku BPS SA'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: 0.99x
- 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 1.62x to 0.99x 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 | zł3.08 | zł5.00 | x |
| 2020-12-31 | zł4.30 | zł5.00 | x |
| 2021-12-31 | zł4.65 | zł5.00 | x |
| 2022-12-31 | zł5.04 | zł5.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Centrum Finansowe Banku BPS SA 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): 17.85%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 38.52%
- • Asset Turnover: 0.32x
- • Equity Multiplier: 1.43x
- Recent ROE (17.85%) is above the historical average (6.58%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2015 | -94.56% | -93.17% | 0.26x | 3.86x | zł-8.55 Million |
| 2016 | 48.96% | 53.89% | 0.63x | 1.43x | zł5.70 Million |
| 2017 | 4.69% | 7.34% | 0.60x | 1.07x | zł-814.29K |
| 2018 | 24.02% | 31.21% | 0.66x | 1.17x | zł2.84 Million |
| 2019 | 21.06% | 39.64% | 0.41x | 1.30x | zł2.85 Million |
| 2020 | 15.12% | 36.48% | 0.27x | 1.52x | zł1.84 Million |
| 2021 | 15.52% | 34.66% | 0.31x | 1.42x | zł2.15 Million |
| 2022 | 17.85% | 38.52% | 0.32x | 1.43x | zł3.64 Million |
Industry Comparison
This section compares Centrum Finansowe Banku BPS SA's net assets metrics with peer companies in the Banking Services industry.
Industry Context
- Industry: Banking Services
- Average net assets among peers: $16,336,807
- Average return on equity (ROE) among peers: -12.89%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Centrum Finansowe Banku BPS SA (CFS) | zł58.09 Million | -94.56% | 0.45x | $11.36K |
| Black Pearl SA (BPC) | $27.56 Million | -0.81% | 0.63x | $244.34 |
| Carlson Investments SA (CAI) | $13.61 Million | -32.45% | 0.14x | $5.75K |
| Wierzycl (WRL) | $7.85 Million | -5.43% | 0.03x | $1.26K |