Investment Friends Capital SE
Investment Friends Capital SE engages in the financial activities in Poland and Estonia. It provides cash loans to individuals and business entities. The company was founded in 1996 and is based in Tallinn, Estonia. Investment Friends Capital SE is a subsidiary of Patro Invest OÜ.
Investment Friends Capital SE (IFC) - Net Assets
Latest net assets as of September 2025: zł2.10 Million PLN
Based on the latest financial reports, Investment Friends Capital SE (IFC) has net assets worth zł2.10 Million PLN as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (zł3.95 Million) and total liabilities (zł1.85 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 | zł2.10 Million |
| % of Total Assets | 53.06% |
| Annual Growth Rate | -2.99% |
| 5-Year Change | -17.38% |
| 10-Year Change | N/A |
| Growth Volatility | 10.88 |
Investment Friends Capital SE - Net Assets Trend (2016–2024)
This chart illustrates how Investment Friends Capital SE's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Investment Friends Capital SE (2016–2024)
The table below shows the annual net assets of Investment Friends Capital SE from 2016 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | zł3.92 Million | +1.56% |
| 2023-12-31 | zł3.86 Million | -22.82% |
| 2022-12-31 | zł5.00 Million | +3.61% |
| 2021-12-31 | zł4.82 Million | +1.73% |
| 2020-12-31 | zł4.74 Million | +2.73% |
| 2019-12-31 | zł4.61 Million | -5.72% |
| 2018-12-31 | zł4.89 Million | -14.31% |
| 2017-12-31 | zł5.71 Million | +14.41% |
| 2016-12-31 | zł4.99 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Investment Friends Capital SE'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 130879300.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | zł9.50 Million | 242.52% |
| Total Equity | zł3.92 Million | 100.00% |
Investment Friends Capital SE Competitors by Market Cap
The table below lists competitors of Investment Friends Capital SE ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
EMPIRE NON VTG-A (C15.SG)
STU:C15
|
$303.42K |
|
SUMITOMO CORP - Dusseldorf Stock Exchang
DU:SUMA
|
$304.07K |
|
TECHTARGET
BE:EFT
|
$304.56K |
|
BHLWQ
PINK:BHLWQ
|
$304.80K |
|
American Salars Lithium Inc.
F:6Z2
|
$303.17K |
|
Compleo Charging Solutions AG
F:C0M
|
$303.00K |
|
Maj Invest - Makro
CO:MAJMAK
|
$302.94K |
|
Österreichische Post AG
STU:O3P
|
$302.93K |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Investment Friends Capital SE's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 3,856,000 to 3,916,000, a change of 60,000 (1.6%).
- Net income of 19,000 contributed positively to equity growth.
- Other factors increased equity by 41,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | zł19.00K | +0.49% |
| Other Changes | zł41.00K | +1.05% |
| Total Change | zł- | 1.56% |
Book Value vs Market Value Analysis
This analysis compares Investment Friends Capital SE'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: 6.10x
- 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 113.83x to 6.10x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2018-12-31 | zł0.05 | zł5.30 | x |
| 2020-12-31 | zł0.05 | zł5.30 | x |
| 2021-12-31 | zł0.05 | zł5.30 | x |
| 2022-12-31 | zł0.05 | zł5.30 | x |
| 2023-12-31 | zł0.86 | zł5.30 | x |
| 2024-12-31 | zł0.87 | zł5.30 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Investment Friends Capital SE 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): 0.49%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 20.88%
- • Asset Turnover: 0.02x
- • Equity Multiplier: 1.00x
- Recent ROE (0.49%) is below the historical average (1.46%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2016 | 3.00% | 46.61% | 0.06x | 1.00x | zł-349.52K |
| 2017 | 0.68% | 16.96% | 0.04x | 1.00x | zł-532.10K |
| 2018 | 2.49% | 60.10% | 0.04x | 1.00x | zł-367.40K |
| 2019 | -2.82% | -42.07% | 0.07x | 1.00x | zł-591.40K |
| 2020 | 2.91% | 90.79% | 0.03x | 1.00x | zł-336.00K |
| 2021 | 2.68% | 90.21% | 0.03x | 1.00x | zł-353.20K |
| 2022 | 2.84% | 89.87% | 0.03x | 1.00x | zł-357.60K |
| 2023 | 0.91% | 25.93% | 0.03x | 1.33x | zł-350.60K |
| 2024 | 0.49% | 20.88% | 0.02x | 1.00x | zł-372.60K |
Industry Comparison
This section compares Investment Friends Capital SE's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $117,781,009
- Average return on equity (ROE) among peers: 4.26%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Investment Friends Capital SE (IFC) | zł2.10 Million | 3.00% | 0.88x | $303.35K |
| Atlantis S.A. (ATS) | $6.66 Million | 0.77% | 0.27x | $1.70 Million |
| Best SA (BST) | $750.02 Million | 6.72% | 1.06x | $47.92 Million |
| Capitea S.A. (CAP) | $-61.82 Million | 0.00% | 0.00x | $5.95 Million |
| Fast Finance SA (FFI) | $34.22 Million | 21.45% | 6.36x | $291.18K |
| Fon SE (FON) | $14.92 Million | -4.49% | 0.01x | $1.06 Million |
| Kredyt Inkaso SA (KRI) | $148.56 Million | -0.17% | 1.71x | $36.11 Million |
| Kruk SA (KRU) | $54.90 Million | 20.55% | 0.72x | $1.91 Billion |
| MW Trade S.A. (MWT) | $84.74 Million | 2.42% | 2.42x | $407.05K |
| PBS Finanse SA (PBF) | $27.84 Million | -8.90% | 0.08x | $608.00K |