Glossary
Balance sheet

Book value

Assets minus liabilities: what the accounts say shareholders own.

Book value is an accounting construct, not a market one. Assets are held at historic cost less depreciation, which can be wildly different from what they would fetch today.

For a bank, book value is meaningful because its assets are financial. For a company whose value is a brand, a patent, or a network of engineers, book value is close to fiction, because none of those things are permitted to appear on the balance sheet.

The formula
Book value = Total assets − Total liabilities
Figure

How the three statements lock together

Income statementWhat it earnedCash flowWhat it collectedBalance sheetWhat it owns and owesFree cash flowWhat is left for youcapex

Profit flows from the income statement into the balance sheet as retained earnings, and the cash flow statement reconciles what was earned with what actually arrived.

Why it matters

It is the denominator of the P/B ratio and the anchor of traditional value investing.

The mistake everyone makes

Assuming book value is a floor under the share price. It is not; assets can be worth far less than stated.

Related terms

See Book value on a real company

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