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AIB GroupAIBRF +3.61%69 Equity-to-Asset is 0.10 as of Jun. 2026, which is 9% below its 10-year median of 0.11. GuruFocus rates AIBRF with a GF Score™ of 69/100 and a GF Value™ of $7.23 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,524 Banks companies, AIB Group ranks better than 54.86% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. AIB Group's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $16,249 Mil. AIB Group's Total Assets for the quarter that ended in Jun. 2026 was $170,634 Mil.
Therefore, AIB Group's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.10.
The historical rank and industry rank for AIB Group's Equity-to-Asset or its related term are showing as below:
AIBRF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1 Med: 0.11 Max: 0.15
Current: 0.1
During the past 13 years, the highest Equity to Asset Ratio of AIB Group was 0.15. The lowest was 0.10. And the median was 0.11.
AIBRF's Equity-to-Asset is ranked better than 54.86% of 1524
companies
in the Banks industry
Industry Median: 0.1
vs AIBRF: 0.10
AIB Group (OTCPK:AIBRF) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
AIB Group Equity-to-Asset Related Terms
AIB Group Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for AIB Group's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, AIB Group's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
AIB Group Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, AIB Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where AIB Group's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
AIB Group's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
AIB Group (AIBRF) has a Equity-to-Asset of 0.10 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on AIB Group and its competitors. This is near median its historical median of 0.11. Over the past decade, AIB Group's Equity-to-Asset has ranged from 0.10 to 0.15. According to the industry distribution chart, AIB Group ranks #688 out of 1524 companies in the Banks industry, placing it in the top 45.1%.
Is AIB Group's Equity-to-Asset too high?
AIB Group's current Equity-to-Asset of 0.10 is near median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.15. The Banks industry median Equity-to-Asset is 0.10. AIB Group's value of 0.10 is 0% at this industry median. Based on the distribution chart, AIB Group ranks #688 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, AIB Group has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AIB Group's Equity-to-Asset compare to PNC and USB?
According to the Banks industry distribution chart, AIB Group ranks #688 out of 1524 companies for Equity-to-Asset. This puts AIB Group in the upper half of its industry. The industry median Equity-to-Asset is 0.10. AIB Group's value of 0.10 is 0% at this benchmark. Historically, AIB Group's own Equity-to-Asset has ranged from 0.10 to 0.15 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.10, AIB Group has consistently been at the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AIB Group's current Equity-to-Asset of 0.10 is 0% at the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on AIB Group and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AIB Group's current Equity-to-Asset is 0.10, which is near median its own 10-year median of 0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIB Group stock overvalued right now?
Based on GuruFocus' analysis, AIB Group (AIBRF) is currently considered Significantly Overvalued. The stock's GF Value™ is $7.23, compared to a current price of $11.94 — trading 65.1% above its estimated fair value. The current Equity-to-Asset is 0.10, which is near median its 10-year median of 0.11 and 0% at the Banks industry median of 0.10. AIB Group's overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For AIB Group (AIBRF), the current Equity-to-Asset is 0.10 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is AIB Group (AIBRF) Overvalued in 2026?
Based on GuruFocus' analysis, AIB Group stock appears to be overvalued.
The current stock price of $11.94 is trading 65.1% above its estimated GF Value™ of $7.23.
GuruFocus considers AIB Group to be Significantly Overvalued.
Key valuation signals for AIBRF:
Equity-to-Asset: 0.10 (near median its 10-year median of 0.11)
GF Value™: $7.23 vs. price of $11.94 (65.1% above fair value)
Industry Position: 0% at the Banks median (#688 of 1524)
No single metric tells the full story. See the AIBRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AIB Group PLC is a banking services company. The company's operating segments are Retail Banking, Capital Markets, AIB UK, Climate & Infrastructure Capital (C&IC), and Group. It generates maximum revenue from the Retail Banking segment. The Retail Banking segment provides products and services through branch, digital, and phone banking channels. It focuses on delivering a seamless and transparent customer experience across all channels, while supporting the development of sustainable businesses within local communities. Geographically, it derives a majority of revenue from Ireland and also has a presence in the United Kingdom and the Rest of the World.
69GF Score
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