Pragma Inkaso S.A.
Pragma Inkaso S.A. provides debt collection and financing services in Poland. It provides financing in the form of factoring and loans. The company also engages in the fund management activities. In addition, it rents real estate properties and offers other financial services. The company was founded in 2002 and is headquartered in Tarnowskie Góry, Poland.
Pragma Inkaso S.A. (PRI) - Net Assets
Latest net assets as of September 2025: zł19.97 Million PLN
Based on the latest financial reports, Pragma Inkaso S.A. (PRI) has net assets worth zł19.97 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 (zł32.08 Million) and total liabilities (zł12.10 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 | zł19.97 Million |
| % of Total Assets | 62.26% |
| Annual Growth Rate | 2.08% |
| 5-Year Change | -38.36% |
| 10-Year Change | -64.4% |
| Growth Volatility | 36.99 |
Pragma Inkaso S.A. - Net Assets Trend (2009–2024)
This chart illustrates how Pragma Inkaso S.A.'s net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Pragma Inkaso S.A. (2009–2024)
The table below shows the annual net assets of Pragma Inkaso S.A. from 2009 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | zł21.42 Million | -4.55% |
| 2023-12-31 | zł22.44 Million | -5.49% |
| 2022-12-31 | zł23.75 Million | -8.68% |
| 2021-12-31 | zł26.01 Million | -25.18% |
| 2020-12-31 | zł34.76 Million | -31.81% |
| 2019-12-31 | zł50.97 Million | -20.71% |
| 2018-12-31 | zł64.28 Million | -12.80% |
| 2017-12-31 | zł73.71 Million | +6.01% |
| 2016-12-31 | zł69.54 Million | +15.54% |
| 2015-12-31 | zł60.18 Million | +4.81% |
| 2014-12-31 | zł57.42 Million | -4.55% |
| 2013-12-31 | zł60.16 Million | -0.03% |
| 2012-12-31 | zł60.18 Million | +11.74% |
| 2011-12-31 | zł53.86 Million | +125.27% |
| 2010-12-31 | zł23.91 Million | +51.93% |
| 2009-12-31 | zł15.74 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Pragma Inkaso S.A.'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 305.2% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | zł3.68 Million | 17.18% |
| Other Components | zł25.60 Million | 119.51% |
| Total Equity | zł21.42 Million | 100.00% |
Pragma Inkaso S.A. Competitors by Market Cap
The table below lists competitors of Pragma Inkaso S.A. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Hanstone Gold Corp
PINK:HANCF
|
$422.23K |
|
ELISA (EIA.SG)
STU:EIA
|
$422.67K |
|
XPPT
F:XPPT
|
$423.34K |
|
Sunrise Communications AG American Depositary Shares representing Class A shares When Issued
NASDAQ:SNREV
|
$423.49K |
|
MENSCH UND MASCHINE
BE:MUM
|
$421.90K |
|
Barrel Energy Inc
PINK:BRLL
|
$421.12K |
|
International Distributions Services PLC
LSE:IDS
|
$421.06K |
|
EXELON
HM:PEO
|
$420.84K |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Pragma Inkaso S.A.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 22,430,519 to 21,421,545, a change of -1,008,974 (-4.5%).
- Net loss of 998,957 reduced equity.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | zł-998.96K | -4.66% |
| Other Changes | zł-10.02K | -0.05% |
| Total Change | zł- | -4.50% |
Book Value vs Market Value Analysis
This analysis compares Pragma Inkaso S.A.'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: 0.49x
- 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.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2009-12-31 | zł5.71 | zł2.84 | x |
| 2010-12-31 | zł6.58 | zł2.84 | x |
| 2011-12-31 | zł12.58 | zł2.84 | x |
| 2012-12-31 | zł14.23 | zł2.84 | x |
| 2013-12-31 | zł14.14 | zł2.84 | x |
| 2014-12-31 | zł13.74 | zł2.84 | x |
| 2015-12-31 | zł12.68 | zł2.84 | x |
| 2016-12-31 | zł13.52 | zł2.84 | x |
| 2017-12-31 | zł15.03 | zł2.84 | x |
| 2018-12-31 | zł12.23 | zł2.84 | x |
| 2019-12-31 | zł11.34 | zł2.84 | x |
| 2020-12-31 | zł7.09 | zł2.84 | x |
| 2021-12-31 | zł7.07 | zł2.84 | x |
| 2022-12-31 | zł6.45 | zł2.84 | x |
| 2023-12-31 | zł6.10 | zł2.84 | x |
| 2024-12-31 | zł5.82 | zł2.84 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Pragma Inkaso S.A. 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): -4.66%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -69.09%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 1.56x
- Recent ROE (-4.66%) is below the historical average (0.38%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2009 | 24.34% | 4.35% | 3.04x | 1.84x | zł2.26 Million |
| 2010 | 17.62% | 3.39% | 1.67x | 3.11x | zł1.82 Million |
| 2011 | 13.39% | 1.90% | 2.27x | 3.10x | zł1.57 Million |
| 2012 | 17.51% | 2.60% | 2.22x | 3.04x | zł3.93 Million |
| 2013 | 7.67% | 1.00% | 2.12x | 3.63x | zł-1.21 Million |
| 2014 | 4.68% | 0.46% | 2.92x | 3.46x | zł-2.69 Million |
| 2015 | 1.23% | 0.10% | 3.07x | 3.99x | zł-4.10 Million |
| 2016 | 5.22% | 7.43% | 0.15x | 4.59x | zł-2.38 Million |
| 2017 | 5.86% | 7.94% | 0.15x | 4.88x | zł-2.29 Million |
| 2018 | -1.12% | -1.17% | 0.17x | 5.73x | zł-5.01 Million |
| 2019 | -29.65% | -34.59% | 0.19x | 4.49x | zł-16.54 Million |
| 2020 | -27.67% | -307.92% | 0.01x | 6.18x | zł-9.83 Million |
| 2021 | -13.73% | -68.13% | 0.13x | 1.53x | zł-6.17 Million |
| 2022 | -9.50% | -105.84% | 0.03x | 3.16x | zł-4.63 Million |
| 2023 | -5.09% | -27.22% | 0.06x | 3.28x | zł-3.38 Million |
| 2024 | -4.66% | -69.09% | 0.04x | 1.56x | zł-3.14 Million |
Industry Comparison
This section compares Pragma Inkaso S.A.'s net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $106,574,008
- Average return on equity (ROE) among peers: 3.90%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Pragma Inkaso S.A. (PRI) | zł19.97 Million | 24.34% | 0.61x | $422.04K |
| 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 |
| PBS Finanse SA (PBF) | $27.84 Million | -8.90% | 0.08x | $608.00K |