Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
FINEOS HoldingsASX:FCL -2.50%68 Equity-to-Asset is 0.81 as of Dec. 2025, which is 7% above its 10-year median of 0.76. GuruFocus rates ASX:FCL with a GF Score™ of 68/100 and a GF Value™ of A$2.49 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 2,893 Software companies, FINEOS Holdings ranks better than 84.93% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. FINEOS Holdings's Total Stockholders Equity for the quarter that ended in Dec. 2025 was A$277.6 Mil. FINEOS Holdings's Total Assets for the quarter that ended in Dec. 2025 was A$343.7 Mil.
Therefore, FINEOS Holdings's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.81.
The historical rank and industry rank for FINEOS Holdings's Equity-to-Asset or its related term are showing as below:
ASX:FCL'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.67 Med: 0.76 Max: 0.83
Current: 0.81
During the past 6 years, the highest Equity to Asset Ratio of FINEOS Holdings was 0.83. The lowest was 0.67. And the median was 0.76.
ASX:FCL's Equity-to-Asset is ranked better than 84.93% of 2893
companies
in the Software industry
Industry Median: 0.56
vs ASX:FCL: 0.81
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%.
FINEOS Holdings Equity-to-Asset Related Terms
FINEOS Holdings Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for FINEOS Holdings'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.
ASX:FCL vs MSFT, ORCL, PLTR: Equity-to-Asset Comparison
For the Software - Infrastructure subindustry, FINEOS Holdings'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.
FINEOS Holdings Equity-to-Asset vs Software Industry
For the Software industry and Technology sector, FINEOS Holdings's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where FINEOS Holdings'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.
FINEOS Holdings'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.
FINEOS Holdings (ASX:FCL) has a Equity-to-Asset of 0.81 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on FINEOS Holdings and its competitors. This is near median its historical median of 0.76. Over the past decade, FINEOS Holdings' Equity-to-Asset has ranged from 0.67 to 0.83. According to the industry distribution chart, FINEOS Holdings ranks #436 out of 2893 companies in the Software industry, placing it in the top 15.1%.
Is FINEOS Holdings' Equity-to-Asset too high?
FINEOS Holdings' current Equity-to-Asset of 0.81 is near median its 10-year median of 0.76. Over the past 10 years, this metric has ranged from a low of 0.67 to a high of 0.83. The Software industry median Equity-to-Asset is 0.56. FINEOS Holdings' value of 0.81 is 44.6% above this industry median. Based on the distribution chart, FINEOS Holdings ranks #436 out of 2893 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, FINEOS Holdings has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does FINEOS Holdings' Equity-to-Asset compare to MSFT and ORCL?
According to the Software industry distribution chart, FINEOS Holdings ranks #436 out of 2893 companies for Equity-to-Asset. This places FINEOS Holdings in the top 15% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.56. FINEOS Holdings' value of 0.81 is 44.6% above this benchmark. Historically, FINEOS Holdings' own Equity-to-Asset has ranged from 0.67 to 0.83 over the past decade. While the company's 10-year median is 0.76 vs. the industry median of 0.56, FINEOS Holdings 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 Software company?
The median Equity-to-Asset among Software companies is 0.56, based on 2,893 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. FINEOS Holdings's current Equity-to-Asset of 0.81 is 44.6% 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 FINEOS Holdings and its competitors. For the Software industry, the median Equity-to-Asset is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FINEOS Holdings's current Equity-to-Asset is 0.81, which is near median its own 10-year median of 0.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FINEOS Holdings stock overvalued right now?
Based on GuruFocus' analysis, FINEOS Holdings (ASX:FCL) is currently considered Modestly Undervalued. The stock's GF Value™ is A$2.49, compared to a current price of A$1.95 — trading 21.7% below its estimated fair value. The current Equity-to-Asset is 0.81, which is near median its 10-year median of 0.76 and 44.6% above the Software industry median of 0.56. FINEOS Holdings' overall GF Score™ is 68/100 with 1 warning sign 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 FINEOS Holdings (ASX:FCL), the current Equity-to-Asset is 0.81 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 FINEOS Holdings (ASX:FCL) Overvalued in 2026?
Based on GuruFocus' analysis, FINEOS Holdings stock appears to be undervalued.
The current stock price of A$1.95 is trading 21.7% below its estimated GF Value™ of A$2.49.
GuruFocus considers FINEOS Holdings to be Modestly Undervalued.
Key valuation signals for ASX:FCL:
Equity-to-Asset: 0.81 (near median its 10-year median of 0.76)
GF Value™: A$2.49 vs. price of A$1.95 (21.7% below fair value)
Industry Position: 44.6% above the Software median (#436 of 2893)
No single metric tells the full story. See the ASX:FCL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fineos Corp Holdings PLC is an Irish company engaged in providing software solutions that include management and administration of policies and claims to the life, accident, and health insurance industry. The company's platform, Fineos AdminSuite, comprises Fineos Absence, Fineos Billing, Fineos Claims, Fineos Payments, and Fineos Provider, among other solutions.
68GF Score
Get the complete analysis for ASX:FCL
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASX:FCL has been successfully added to your 
