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Banco PineBSP:PINE4 74 Equity-to-Asset is 0.05 as of Jun. 2026, which is 17% below its 10-year median of 0.06. GuruFocus rates BSP:PINE4 with a GF Score™ of 74/100 and a GF Value™ of R$13.72 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,521 Banks companies, Banco Pine ranks worse than 91.32% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Banco Pine's Total Stockholders Equity for the quarter that ended in Jun. 2026 was R$1,802 Mil. Banco Pine's Total Assets for the quarter that ended in Jun. 2026 was R$35,826 Mil.
Therefore, Banco Pine's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.05.
The historical rank and industry rank for Banco Pine's Equity-to-Asset or its related term are showing as below:
BSP:PINE4'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04 Med: 0.06 Max: 0.14
Current: 0.05
During the past 13 years, the highest Equity to Asset Ratio of Banco Pine was 0.14. The lowest was 0.04. And the median was 0.06.
BSP:PINE4's Equity-to-Asset is ranked worse than 91.32% of 1521
companies
in the Banks industry
Industry Median: 0.1
vs BSP:PINE4: 0.05
Banco Pine (BSP:PINE4) 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%.
Banco Pine Equity-to-Asset Related Terms
Banco Pine Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Banco Pine'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, Banco Pine'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.
Banco Pine Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Banco Pine's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Banco Pine'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.
Banco Pine'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.
Banco Pine (BSP:PINE4) has a Equity-to-Asset of 0.05 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Banco Pine and its competitors. This is 17% below median its historical median of 0.06. Over the past decade, Banco Pine's Equity-to-Asset has ranged from 0.04 to 0.14. According to the industry distribution chart, Banco Pine ranks #1389 out of 1521 companies in the Banks industry, placing it in the top 91.3%.
Is Banco Pine's Equity-to-Asset too high?
Banco Pine's current Equity-to-Asset of 0.05 is 17% below median its 10-year median of 0.06. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.14. The Banks industry median Equity-to-Asset is 0.10. Banco Pine's value of 0.05 is 50% below this industry median. Based on the distribution chart, Banco Pine ranks #1389 out of 1521 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Banco Pine has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Banco Pine's Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, Banco Pine ranks #1389 out of 1521 companies for Equity-to-Asset. This places Banco Pine in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Banco Pine's value of 0.05 is 50% below this benchmark. Historically, Banco Pine's own Equity-to-Asset has ranged from 0.04 to 0.14 over the past decade. While the company's 10-year median is 0.06 vs. the industry median of 0.10, Banco Pine 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 1,521 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. Banco Pine's current Equity-to-Asset of 0.05 is 50% 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 Banco Pine 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. Banco Pine's current Equity-to-Asset is 0.05, which is 17% below median its own 10-year median of 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Pine stock overvalued right now?
Based on GuruFocus' analysis, Banco Pine (BSP:PINE4) is currently considered Modestly Undervalued. The stock's GF Value™ is R$13.72, compared to a current price of R$11.14 — trading 18.8% below its estimated fair value. The current Equity-to-Asset is 0.05, which is 17% below median its 10-year median of 0.06 and 50% below the Banks industry median of 0.10. Banco Pine's overall GF Score™ is 74/100 with 2 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 Banco Pine (BSP:PINE4), the current Equity-to-Asset is 0.05 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 Banco Pine (BSP:PINE4) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Pine stock appears to be undervalued.
The current stock price of R$11.14 is trading 18.8% below its estimated GF Value™ of R$13.72.
GuruFocus considers Banco Pine to be Modestly Undervalued.
Key valuation signals for BSP:PINE4:
Equity-to-Asset: 0.05 (17% below median its 10-year median of 0.06)
GF Value™: R$13.72 vs. price of R$11.14 (18.8% below fair value)
Industry Position: 50% below the Banks median (#1389 of 1521)
No single metric tells the full story. See the BSP:PINE4 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Pine SA is a banking company. It operates commercial, credit and financing and foreign exchange portfolios. The company's operations are conducted in the context of a group of institutions which act jointly, and certain transactions involve the co-participation or intermediation of member companies of the Pine financial conglomerate. The benefits from the intercompany services and the costs for the operating and administrative structures are absorbed, either jointly or individually, by these companies as is practicable and reasonable in the circumstances.
74GF Score
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