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Bendigo and Adelaide Bank (OTCPK:BXRBF) 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%.
Bendigo and Adelaide Bank Equity-to-Asset Related Terms
Bendigo and Adelaide Bank Equity-to-Asset Historical Data
* 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, Bendigo and Adelaide Bank'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.
Bendigo and Adelaide Bank Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Bendigo and Adelaide Bank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Bendigo and Adelaide Bank's Equity-to-Asset falls into.
Bendigo and Adelaide Bank Equity-to-Asset Calculation
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.
Bendigo and Adelaide Bank's Equity to Asset Ratio for the fiscal year that ended in Jun. 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.
Bendigo and Adelaide Bank (BXRBF) has a Equity-to-Asset of 0.07 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Bendigo and Adelaide Bank and its competitors. This is near median its historical median of 0.07. Over the past decade, Bendigo and Adelaide Bank's Equity-to-Asset has ranged from 0.07 to 0.08. According to the industry distribution chart, Bendigo and Adelaide Bank ranks #1172 out of 1525 companies in the Banks industry, placing it in the top 76.9%.
Is Bendigo and Adelaide Bank's Equity-to-Asset too high?
Bendigo and Adelaide Bank's current Equity-to-Asset of 0.07 is near median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.08. The Banks industry median Equity-to-Asset is 0.10. Bendigo and Adelaide Bank's value of 0.07 is 30% below this industry median. Based on the distribution chart, Bendigo and Adelaide Bank ranks #1172 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bendigo and Adelaide Bank has a GF Score™ of 51/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bendigo and Adelaide Bank's Equity-to-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Bendigo and Adelaide Bank ranks #1172 out of 1525 companies for Equity-to-Asset. This places Bendigo and Adelaide Bank in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Bendigo and Adelaide Bank's value of 0.07 is 30% below this benchmark. Historically, Bendigo and Adelaide Bank's own Equity-to-Asset has ranged from 0.07 to 0.08 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.10, Bendigo and Adelaide Bank 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. Bendigo and Adelaide Bank's current Equity-to-Asset of 0.07 is 30% 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 Bendigo and Adelaide Bank 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. Bendigo and Adelaide Bank's current Equity-to-Asset is 0.07, which is near 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 Bendigo and Adelaide Bank stock overvalued right now?
Based on GuruFocus' analysis, Bendigo and Adelaide Bank (BXRBF) is currently considered Fairly Valued. The stock's GF Value™ is $8.18, compared to a current price of $7.71 — trading 5.7% below its estimated fair value. The current Equity-to-Asset is 0.07, which is near median its 10-year median of 0.07 and 30% below the Banks industry median of 0.10. Bendigo and Adelaide Bank's overall GF Score™ is 51/100 with 6 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 Bendigo and Adelaide Bank (BXRBF), the current Equity-to-Asset is 0.07 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 Bendigo and Adelaide Bank (BXRBF) Overvalued in 2026?
Based on GuruFocus' analysis, Bendigo and Adelaide Bank stock appears to be undervalued.
The current stock price of $7.71 is trading 5.7% below its estimated GF Value™ of $8.18.
GuruFocus considers Bendigo and Adelaide Bank to be Fairly Valued.
Key valuation signals for BXRBF:
Equity-to-Asset: 0.07 (near median its 10-year median of 0.07)
GF Value™: $8.18 vs. price of $7.71 (5.7% below fair value)
Industry Position: 30% below the Banks median (#1172 of 1525)
No single metric tells the full story. See the BXRBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Founded in 1858 as the Bendigo Building Society as a leading regional bank operating in the consumer, small-business, and rural banking sectors, Bendigo gained public goodwill after rolling out branches in locations deserted by major banks in the late 1990s and early 2000s. The Adelaide Bank merger in 2007 diversified the bank into wholesale banking, while expanding the geographical footprint. It is a conservatively managed retail bank with a long history, a well-regarded retail franchise, and high levels of customer and shareholder loyalty.
51GF Score
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