PBS Finanse SA (PBF) - Net Assets
Based on the latest financial reports, PBS Finanse SA (PBF) has net assets worth zł8.91 Million PLN (≈ $2.45 Million USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (zł10.23 Million ≈ $2.82 Million USD) and total liabilities (zł1.32 Million ≈ $363.28K 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. Check PBS Finanse SA tangible net worth ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | zł8.91 Million |
| % of Total Assets | 87.1% |
| Annual Growth Rate | -10.14% |
| 5-Year Change | -0.08% |
| 10-Year Change | -64.07% |
| Growth Volatility | 31.06 |
PBS Finanse SA - Net Assets Trend (2008–2025)
This chart illustrates how PBS Finanse SA's net assets have evolved over time, based on quarterly financial data. See PBS Finanse SA (PBF) defensive interval to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for PBS Finanse SA (2008–2025)
The table below shows the annual net assets of PBS Finanse SA from 2008 to 2025. For live valuation and market cap data, see PBF market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | zł8.91 Million ≈ $2.45 Million |
+1.25% |
| 2024-12-31 | zł8.80 Million ≈ $2.42 Million |
-1.05% |
| 2023-12-31 | zł8.90 Million ≈ $2.45 Million |
+3.23% |
| 2022-12-31 | zł8.62 Million ≈ $2.37 Million |
-3.39% |
| 2021-12-31 | zł8.92 Million ≈ $2.46 Million |
-2.35% |
| 2020-12-31 | zł9.14 Million ≈ $2.51 Million |
-26.19% |
| 2019-12-31 | zł12.38 Million ≈ $3.41 Million |
-28.83% |
| 2018-12-31 | zł17.39 Million ≈ $4.79 Million |
-16.28% |
| 2017-12-31 | zł20.77 Million ≈ $5.72 Million |
-16.26% |
| 2016-12-31 | zł24.81 Million ≈ $6.83 Million |
-5.11% |
| 2015-12-31 | zł26.14 Million ≈ $7.19 Million |
-3.28% |
| 2014-12-31 | zł27.03 Million ≈ $7.44 Million |
+4.37% |
| 2013-12-31 | zł25.90 Million ≈ $7.13 Million |
-1.53% |
| 2012-12-31 | zł26.30 Million ≈ $7.24 Million |
-5.52% |
| 2011-12-31 | zł27.84 Million ≈ $7.66 Million |
+99.55% |
| 2010-12-31 | zł13.95 Million ≈ $3.84 Million |
-45.85% |
| 2009-12-31 | zł25.76 Million ≈ $7.09 Million |
-53.08% |
| 2008-12-31 | zł54.92 Million ≈ $15.11 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 1574100000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | zł31.66 Million | 355.23% |
| Total Equity | zł8.91 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 |
|---|---|
|
NORTHSTAR GOLD CORP.
F:3WV
|
$3.42 Million |
|
BrightBid Group AB (publ)
ST:PERP-B
|
$3.43 Million |
|
FW Thorpe PLC
LSE:TFW
|
$3.43 Million |
|
SaverOne 2014 Ltd. American Depositary Shares
NASDAQ:SVRE
|
$3.43 Million |
|
CPD SA
WAR:CPD
|
$3.42 Million |
|
Century Global Commodities Corp
TO:CNT
|
$3.42 Million |
|
Body One SA
PA:MLONE
|
$3.42 Million |
|
Hochdorf Holding AG
SW:HOCN
|
$3.41 Million |
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 2024 to 2025, total equity changed from 8,804,000 to 8,914,000, a change of 110,000 (1.2%).
- Net income of 110,000 contributed positively to equity growth.
- Other comprehensive income decreased equity by 582,000.
- Other factors increased equity by 582,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | zł110.00K | +1.23% |
| Other Comprehensive Income | zł-582.00K | -6.53% |
| Other Changes | zł582.00K | +6.53% |
| Total Change | zł- | 1.25% |
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: 1.40x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has increased from 0.11x to 1.40x 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 | zł1.19 | x |
| 2009-12-31 | zł4.93 | zł1.19 | x |
| 2010-12-31 | zł2.66 | zł1.19 | x |
| 2011-12-31 | zł26.63 | zł1.19 | x |
| 2012-12-31 | zł2.51 | zł1.19 | x |
| 2013-12-31 | zł2.48 | zł1.19 | x |
| 2014-12-31 | zł2.59 | zł1.19 | x |
| 2015-12-31 | zł2.50 | zł1.19 | x |
| 2016-12-31 | zł2.37 | zł1.19 | x |
| 2017-12-31 | zł1.99 | zł1.19 | x |
| 2018-12-31 | zł1.66 | zł1.19 | x |
| 2019-12-31 | zł1.18 | zł1.19 | x |
| 2020-12-31 | zł0.87 | zł1.19 | x |
| 2021-12-31 | zł0.85 | zł1.19 | x |
| 2022-12-31 | zł0.82 | zł1.19 | x |
| 2023-12-31 | zł0.85 | zł1.19 | x |
| 2024-12-31 | zł0.84 | zł1.19 | x |
| 2025-12-31 | zł0.85 | zł1.19 | 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): 1.23%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 3.09%
- • Asset Turnover: 0.35x
- • Equity Multiplier: 1.15x
- Recent ROE (1.23%) is above the historical average (-18.04%), 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 |
| 2025 | 1.23% | 3.09% | 0.35x | 1.15x | zł-781.40K |
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: $112,720,353
- Average return on equity (ROE) among peers: 6.80%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| PBS Finanse SA (PBF) | zł8.91 Million | -69.32% | 0.15x | $3.42 Million |
| Atlantis S.A. (ATS) | $6.66 Million | 0.77% | 0.27x | $2.59 Million |
| Best SA (BST) | $505.06 Million | 6.80% | 1.25x | $282.18 Million |
| Fast Finance SA (FFI) | $20.01 Million | 31.17% | 7.47x | $347.46K |
| Fon SE (FON) | $48.97 Million | -12.95% | 0.17x | $3.12 Million |
| Investment Friends Capital SE (IFC) | $5.71 Million | 0.68% | 0.00x | $1.26 Million |
| Kredyt Inkaso SA (KRI) | $263.38 Million | 17.12% | 1.90x | $61.76 Million |
| Kruk SA (KRU) | $76.54 Million | 21.50% | 1.77x | $2.17 Billion |
| MW Trade S.A. (MWT) | $53.40 Million | 16.88% | 6.46x | $2.49 Million |
| Pragma Inkaso S.A. (PRI) | $34.76 Million | -20.78% | 3.64x | $3.32 Million |
About 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.