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BPER Banca SpABPERF +3.99%40 Equity-to-Asset is 0.08 as of Dec. 2025, which is 14% above its 10-year median of 0.07. GuruFocus rates BPERF with a GF Score™ of 40/100 and a GF Value™ of $5.53 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,525 Banks companies, BPER Banca SpA ranks worse than 66.69% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. BPER Banca SpA's Total Stockholders Equity for the quarter that ended in Dec. 2025 was $19,397 Mil. BPER Banca SpA's Total Assets for the quarter that ended in Dec. 2025 was $239,637 Mil.
Therefore, BPER Banca SpA's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.08.
The historical rank and industry rank for BPER Banca SpA's Equity-to-Asset or its related term are showing as below:
BPERF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05 Med: 0.07 Max: 0.08
Current: 0.08
During the past 13 years, the highest Equity to Asset Ratio of BPER Banca SpA was 0.08. The lowest was 0.05. And the median was 0.07.
BPERF's Equity-to-Asset is ranked worse than 66.69% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs BPERF: 0.08
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%.
BPER Banca SpA Equity-to-Asset Related Terms
BPER Banca SpA Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for BPER Banca SpA'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, BPER Banca SpA'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.
BPER Banca SpA Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, BPER Banca SpA's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where BPER Banca SpA'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.
BPER Banca SpA'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.
BPER Banca SpA (BPERF) has a Equity-to-Asset of 0.08 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on BPER Banca SpA and its competitors. This is 14% above median its historical median of 0.07. Over the past decade, BPER Banca SpA's Equity-to-Asset has ranged from 0.05 to 0.08. According to the industry distribution chart, BPER Banca SpA ranks #1017 out of 1525 companies in the Banks industry, placing it in the top 66.7%.
Is BPER Banca SpA's Equity-to-Asset too high?
BPER Banca SpA's current Equity-to-Asset of 0.08 is 14% above median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.08. The Banks industry median Equity-to-Asset is 0.10. BPER Banca SpA's value of 0.08 is 20% below this industry median. Based on the distribution chart, BPER Banca SpA ranks #1017 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, BPER Banca SpA has a GF Score™ of 40/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BPER Banca SpA's Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, BPER Banca SpA ranks #1017 out of 1525 companies for Equity-to-Asset. This places BPER Banca SpA in the lower half of its industry. The industry median Equity-to-Asset is 0.10. BPER Banca SpA's value of 0.08 is 20% below this benchmark. Historically, BPER Banca SpA's own Equity-to-Asset has ranged from 0.05 to 0.08 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.10, BPER Banca SpA has consistently been below 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 1,525 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. BPER Banca SpA's current Equity-to-Asset of 0.08 is 20% below 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 BPER Banca SpA 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. BPER Banca SpA's current Equity-to-Asset is 0.08, which is 14% above median its own 10-year median of 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BPER Banca SpA stock overvalued right now?
Based on GuruFocus' analysis, BPER Banca SpA (BPERF) is currently considered Significantly Overvalued. The stock's GF Value™ is $5.53, compared to a current price of $15.65 — trading 183% above its estimated fair value. The current Equity-to-Asset is 0.08, which is 14% above median its 10-year median of 0.07 and 20% below the Banks industry median of 0.10. BPER Banca SpA's overall GF Score™ is 40/100 with 8 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 BPER Banca SpA (BPERF), the current Equity-to-Asset is 0.08 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 BPER Banca SpA (BPERF) Overvalued in 2026?
Based on GuruFocus' analysis, BPER Banca SpA stock appears to be overvalued.
The current stock price of $15.65 is trading 183% above its estimated GF Value™ of $5.53.
GuruFocus considers BPER Banca SpA to be Significantly Overvalued.
Key valuation signals for BPERF:
Equity-to-Asset: 0.08 (14% above median its 10-year median of 0.07)
GF Value™: $5.53 vs. price of $15.65 (183% above fair value)
Industry Position: 20% below the Banks median (#1017 of 1525)
No single metric tells the full story. See the BPERF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BPER Banca SpA is a banking group consisting of four Italian regional commercial banks that merged on the initiative of BPER Banca. The banks are involved in a number of market segments, including retail banking, corporate and investment banking, and wealth management and insurance. In addition to the banks, the Group includes product companies, including asset management, personal loans, leasing, and factoring operations, and special purpose vehicles. Its strategy emphasizes customer service and cooperative banking. BPER group's customer base overwhelming derives from retail banking, mostly from individuals with some business deposits. Its loan base, however, is principally the group's corporate customers.
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