PBS Finanse SA
PBS Finanse S.A. engages in real estate rental business in Poland. PBS Finanse S.A. was founded in 1991 and is based in Sanok, Poland.
PBS Finanse SA (PBF) - Net Assets
Latest net assets as of September 2025: zł8.65 Million PLN
Based on the latest financial reports, PBS Finanse SA (PBF) has net assets worth zł8.65 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 (zł9.98 Million) and total liabilities (zł1.33 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 | zł8.65 Million |
| % of Total Assets | 86.7% |
| Annual Growth Rate | -10.81% |
| 5-Year Change | -3.63% |
| 10-Year Change | -66.32% |
| Growth Volatility | 31.97 |
PBS Finanse SA - Net Assets Trend (2008–2024)
This chart illustrates how PBS Finanse 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 PBS Finanse SA (2008–2024)
The table below shows the annual net assets of PBS Finanse SA from 2008 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | zł8.80 Million | -1.05% |
| 2023-12-31 | zł8.90 Million | +3.23% |
| 2022-12-31 | zł8.62 Million | -3.39% |
| 2021-12-31 | zł8.92 Million | -2.35% |
| 2020-12-31 | zł9.14 Million | -26.19% |
| 2019-12-31 | zł12.38 Million | -28.83% |
| 2018-12-31 | zł17.39 Million | -16.28% |
| 2017-12-31 | zł20.77 Million | -16.26% |
| 2016-12-31 | zł24.81 Million | -5.11% |
| 2015-12-31 | zł26.14 Million | -3.28% |
| 2014-12-31 | zł27.03 Million | +4.37% |
| 2013-12-31 | zł25.90 Million | -1.53% |
| 2012-12-31 | zł26.30 Million | -5.52% |
| 2011-12-31 | zł27.84 Million | +99.55% |
| 2010-12-31 | zł13.95 Million | -45.85% |
| 2009-12-31 | zł25.76 Million | -53.08% |
| 2008-12-31 | zł54.92 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to PBS Finanse 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 1563100000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | zł29.27 Million | 332.42% |
| Other Comprehensive Income | zł582.00K | 6.61% |
| Other Components | zł1.82 Million | 20.64% |
| Total Equity | zł8.80 Million | 100.00% |
PBS Finanse SA Competitors by Market Cap
The table below lists competitors of PBS Finanse SA ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Financiere Hoche Bains-Les-Bains SA
PA:MLHBB
|
$608.00K |
|
LABOR. FARMAC. ROVI
BE:41L
|
$608.65K |
|
Invesco Physical Bitcoin ETN EUR
XETRA:BTIC
|
$608.85K |
|
Enertopia Corporatio
OTCQB:ENRT
|
$609.29K |
|
HEINEKEN HOLDING (4H5.SG)
STU:4H5
|
$607.63K |
|
Aranjin Resources Ltd
V:ARJN
|
$607.03K |
|
KIM-P-N
NYSE:KIM-P-N
|
$606.51K |
|
FullSix S.p.A
F:IA6
|
$606.45K |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in PBS Finanse SA's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 8,897,000 to 8,804,000, a change of -93,000 (-1.0%).
- Net loss of 93,000 reduced equity.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | zł-93.00K | -1.06% |
| Total Change | zł- | -1.05% |
Book Value vs Market Value Analysis
This analysis compares PBS Finanse 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: 0.83x
- 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 increased from 0.07x to 0.83x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2008-12-31 | zł10.51 | zł0.70 | x |
| 2009-12-31 | zł4.93 | zł0.70 | x |
| 2010-12-31 | zł2.66 | zł0.70 | x |
| 2011-12-31 | zł26.63 | zł0.70 | x |
| 2012-12-31 | zł2.51 | zł0.70 | x |
| 2013-12-31 | zł2.48 | zł0.70 | x |
| 2014-12-31 | zł2.59 | zł0.70 | x |
| 2015-12-31 | zł2.50 | zł0.70 | x |
| 2016-12-31 | zł2.37 | zł0.70 | x |
| 2017-12-31 | zł1.99 | zł0.70 | x |
| 2018-12-31 | zł1.66 | zł0.70 | x |
| 2019-12-31 | zł1.18 | zł0.70 | x |
| 2020-12-31 | zł0.87 | zł0.70 | x |
| 2021-12-31 | zł0.85 | zł0.70 | x |
| 2022-12-31 | zł0.82 | zł0.70 | x |
| 2023-12-31 | zł0.85 | zł0.70 | x |
| 2024-12-31 | zł0.84 | zł0.70 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently PBS Finanse 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): -1.06%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -2.02%
- • Asset Turnover: 0.42x
- • Equity Multiplier: 1.25x
- Recent ROE (-1.06%) is above the historical average (-19.17%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2008 | -69.32% | -14.66% | 1.75x | 2.71x | zł-43.56 Million |
| 2009 | -85.85% | -145.68% | 0.24x | 2.42x | zł-24.69 Million |
| 2010 | -9.42% | -11.01% | 0.75x | 1.15x | zł-2.70 Million |
| 2011 | -8.90% | -21.14% | 0.39x | 1.08x | zł-5.26 Million |
| 2012 | -6.16% | -13.96% | 0.41x | 1.09x | zł-4.25 Million |
| 2013 | -6.10% | -14.37% | 0.39x | 1.10x | zł-4.17 Million |
| 2014 | 4.08% | 9.66% | 0.38x | 1.10x | zł-1.60 Million |
| 2015 | 1.89% | 4.80% | 0.34x | 1.14x | zł-2.12 Million |
| 2016 | 0.48% | 1.21% | 0.34x | 1.17x | zł-2.36 Million |
| 2017 | -22.62% | -74.17% | 0.26x | 1.16x | zł-6.78 Million |
| 2018 | -16.30% | -80.13% | 0.17x | 1.21x | zł-4.57 Million |
| 2019 | -68.40% | -431.11% | 0.14x | 1.16x | zł-9.70 Million |
| 2020 | -35.49% | -1149.65% | 0.03x | 1.18x | zł-4.16 Million |
| 2021 | -2.41% | -18.50% | 0.11x | 1.18x | zł-1.11 Million |
| 2022 | -3.50% | -15.41% | 0.19x | 1.19x | zł-1.16 Million |
| 2023 | 3.12% | 28.90% | 0.08x | 1.35x | zł-611.70K |
| 2024 | -1.06% | -2.02% | 0.42x | 1.25x | zł-973.40K |
Industry Comparison
This section compares PBS Finanse SA's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $115,322,342
- Average return on equity (ROE) among peers: 5.33%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| PBS Finanse SA (PBF) | zł8.65 Million | -69.32% | 0.15x | $608.00K |
| 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 |
| Investment Friends Capital SE (IFC) | $5.71 Million | 0.68% | 0.00x | $303.35K |
| 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 |