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BSP Financial GroupASX:BFL -1.37%49 Equity-to-Asset is 0.12 as of Dec. 2025, which is at its 10-year median of 0.12. GuruFocus rates ASX:BFL with a GF Score™ of 49/100 and a GF Value™ of A$8.07 (Fairly Valued). Among 1,524 Banks companies, BSP Financial Group ranks better than 71.98% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. BSP Financial Group's Total Stockholders Equity for the quarter that ended in Dec. 2025 was A$1,649 Mil. BSP Financial Group's Total Assets for the quarter that ended in Dec. 2025 was A$13,710 Mil.
Therefore, BSP Financial Group's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.12.
The historical rank and industry rank for BSP Financial Group's Equity-to-Asset or its related term are showing as below:
ASX:BFL'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.12 Med: 0.12 Max: 0.13
Current: 0.12
During the past 5 years, the highest Equity to Asset Ratio of BSP Financial Group was 0.13. The lowest was 0.12. And the median was 0.12.
ASX:BFL's Equity-to-Asset is ranked better than 71.98% of 1524
companies
in the Banks industry
Industry Median: 0.1
vs ASX:BFL: 0.12
BSP Financial Group (ASX:BFL) 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%.
BSP Financial Group Equity-to-Asset Related Terms
BSP Financial Group Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for BSP Financial 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, BSP Financial 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.
BSP Financial Group Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, BSP Financial Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where BSP Financial 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.
BSP Financial 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.
BSP Financial Group (ASX:BFL) has a Equity-to-Asset of 0.12 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on BSP Financial Group and its competitors. This is near median its historical median of 0.12. Over the past decade, BSP Financial Group's Equity-to-Asset has ranged from 0.12 to 0.13. According to the industry distribution chart, BSP Financial Group ranks #427 out of 1524 companies in the Banks industry, placing it in the top 28%.
Is BSP Financial Group's Equity-to-Asset too high?
BSP Financial Group's current Equity-to-Asset of 0.12 is near median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.13. The Banks industry median Equity-to-Asset is 0.10. BSP Financial Group's value of 0.12 is 20% above this industry median. Based on the distribution chart, BSP Financial Group ranks #427 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, BSP Financial Group has a GF Score™ of 49/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BSP Financial Group's Equity-to-Asset compare to PNC and USB?
According to the Banks industry distribution chart, BSP Financial Group ranks #427 out of 1524 companies for Equity-to-Asset. This puts BSP Financial Group in the upper half of its industry. The industry median Equity-to-Asset is 0.10. BSP Financial Group's value of 0.12 is 20% above this benchmark. Historically, BSP Financial Group's own Equity-to-Asset has ranged from 0.12 to 0.13 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.10, BSP Financial Group has consistently been above 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. BSP Financial Group's current Equity-to-Asset of 0.12 is 20% above 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 BSP Financial 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. BSP Financial Group's current Equity-to-Asset is 0.12, which is near median its own 10-year median of 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BSP Financial Group stock overvalued right now?
Based on GuruFocus' analysis, BSP Financial Group (ASX:BFL) is currently considered Fairly Valued. The stock's GF Value™ is A$8.07, compared to a current price of A$7.94 — trading 1.6% below its estimated fair value. The current Equity-to-Asset is 0.12, which is near median its 10-year median of 0.12 and 20% above the Banks industry median of 0.10. BSP Financial Group's overall GF Score™ is 49/100. 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 BSP Financial Group (ASX:BFL), the current Equity-to-Asset is 0.12 as of Dec. 2025. 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 BSP Financial Group (ASX:BFL) Overvalued in 2026?
Based on GuruFocus' analysis, BSP Financial Group stock appears to be undervalued.
The current stock price of A$7.94 is trading 1.6% below its estimated GF Value™ of A$8.07.
GuruFocus considers BSP Financial Group to be Fairly Valued.
Key valuation signals for ASX:BFL:
Equity-to-Asset: 0.12 (near median its 10-year median of 0.12)
GF Value™: A$8.07 vs. price of A$7.94 (1.6% below fair value)
Industry Position: 20% above the Banks median (#427 of 1524)
No single metric tells the full story. See the ASX:BFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BSP Financial Group Ltd is a diversified business covering banking, asset finance, life insurance, and fund management. The company's operating segments include banking services, split into PNG Bank and Offshore Banks, and non-banking services, which comprise insurance operations, fund management, and asset financing activities. It generates a vast majority of its revenues from the PNG Bank segment. Geographically, the company operates in Papua New Guinea, Fiji, Solomon Islands, Cook Islands, Tonga, Samoa, Vanuatu, Cambodia, and Laos.
49GF Score
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