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U Consumer FinanceCAI:VALU -0.36%28 Equity-to-Asset is 0.16 as of Dec. 2025, which is at its 10-year median of 0.16. GuruFocus rates CAI:VALU with a GF Score™ of 28/100. The stock has 6 warning signs investors should review. Among 549 Credit Services companies, U Consumer Finance ranks worse than 76.87% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. U Consumer Finance's Total Stockholders Equity for the quarter that ended in Dec. 2025 was E£2,256 Mil. U Consumer Finance's Total Assets for the quarter that ended in Dec. 2025 was E£14,244 Mil.
Therefore, U Consumer Finance's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.16.
The historical rank and industry rank for U Consumer Finance's Equity-to-Asset or its related term are showing as below:
CAI:VALU'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.15 Med: 0.16 Max: 0.2
Current: 0.16
During the past 3 years, the highest Equity to Asset Ratio of U Consumer Finance was 0.20. The lowest was 0.15. And the median was 0.16.
CAI:VALU's Equity-to-Asset is ranked worse than 76.87% of 549
companies
in the Credit Services industry
Industry Median: 0.4
vs CAI:VALU: 0.16
U Consumer Finance (CAI:VALU) 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%.
U Consumer Finance Equity-to-Asset Related Terms
U Consumer Finance Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for U Consumer Finance'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.
CAI:VALU vs V, MA, AXP: Equity-to-Asset Comparison
For the Credit Services subindustry, U Consumer Finance'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.
U Consumer Finance Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, U Consumer Finance's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where U Consumer Finance'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.
U Consumer Finance'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.
U Consumer Finance (CAI:VALU) has a Equity-to-Asset of 0.16 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on U Consumer Finance and its competitors. This is near median its historical median of 0.16. Over the past decade, U Consumer Finance's Equity-to-Asset has ranged from 0.15 to 0.20. According to the industry distribution chart, U Consumer Finance ranks #422 out of 549 companies in the Credit Services industry, placing it in the top 76.9%.
Is U Consumer Finance's Equity-to-Asset too high?
U Consumer Finance's current Equity-to-Asset of 0.16 is near median its 10-year median of 0.16. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 0.20. The Credit Services industry median Equity-to-Asset is 0.40. U Consumer Finance's value of 0.16 is 60% below this industry median. Based on the distribution chart, U Consumer Finance ranks #422 out of 549 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, U Consumer Finance has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does U Consumer Finance's Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, U Consumer Finance ranks #422 out of 549 companies for Equity-to-Asset. This places U Consumer Finance in the lower half of its industry. The industry median Equity-to-Asset is 0.40. U Consumer Finance's value of 0.16 is 60% below this benchmark. Historically, U Consumer Finance's own Equity-to-Asset has ranged from 0.15 to 0.20 over the past decade. While the company's 10-year median is 0.16 vs. the industry median of 0.40, U Consumer Finance 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 Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 549 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. U Consumer Finance's current Equity-to-Asset of 0.16 is 60% 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 U Consumer Finance and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. U Consumer Finance's current Equity-to-Asset is 0.16, which is near median its own 10-year median of 0.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is U Consumer Finance stock overvalued right now?
U Consumer Finance (CAI:VALU) has a current Equity-to-Asset of 0.16. The current Equity-to-Asset is 0.16, which is near median its 10-year median of 0.16 and 60% below the Credit Services industry median of 0.40. U Consumer Finance's overall GF Score™ is 28/100 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 U Consumer Finance (CAI:VALU), the current Equity-to-Asset is 0.16 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.
U Consumer Finance known by Its Brand Name Valu, is the universal financial technology powerhouse, offering a suite of financial services to individuals and businesses.
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