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Banqup GroupCHIX:BANQB 51 Equity-to-Asset is 0.40 as of Dec. 2025, which is 3% above its 10-year median of 0.39. GuruFocus rates CHIX:BANQB with a GF Score™ of 51/100 and a GF Value™ of €3.53. The stock has 5 warning signs investors should review. Among 2,893 Software companies, Banqup Group ranks worse than 68.03% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Banqup Group's Total Stockholders Equity for the quarter that ended in Dec. 2025 was €106.75 Mil. Banqup Group's Total Assets for the quarter that ended in Dec. 2025 was €268.70 Mil.
Therefore, Banqup Group's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.40.
The historical rank and industry rank for Banqup Group's Equity-to-Asset or its related term are showing as below:
CHIX:BANQb'
s Equity-to-Asset Range Over the Past 10 Years
Min: -0.17 Med: 0.39 Max: 0.68
Current: 0.4
During the past 10 years, the highest Equity to Asset Ratio of Banqup Group was 0.68. The lowest was -0.17. And the median was 0.39.
CHIX:BANQb's Equity-to-Asset is ranked worse than 68.03% of 2893
companies
in the Software industry
Industry Median: 0.56
vs CHIX:BANQb: 0.40
Banqup Group (CHIX:BANQb) 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%.
Banqup Group Equity-to-Asset Related Terms
Banqup Group Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Banqup Group'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.
CHIX:BANQB vs QH, SHOP, UBER: Equity-to-Asset Comparison
For the Software - Application subindustry, Banqup Group'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.
Banqup Group Equity-to-Asset vs Software Industry
For the Software industry and Technology sector, Banqup Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Banqup Group'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.
Banqup Group'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.
Banqup Group (CHIX:BANQB) has a Equity-to-Asset of 0.40 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Banqup Group and its competitors. This is near median its historical median of 0.39. According to the industry distribution chart, Banqup Group ranks #1968 out of 2893 companies in the Software industry, placing it in the top 68%.
Is Banqup Group's Equity-to-Asset too high?
Banqup Group's current Equity-to-Asset of 0.40 is near median its 10-year median of 0.39. The Software industry median Equity-to-Asset is 0.56. Banqup Group's value of 0.40 is 28.6% below this industry median. Based on the distribution chart, Banqup Group ranks #1968 out of 2893 companies in the Software industry, which is below the industry midpoint. Overall, Banqup Group has a GF Score™ of 51/100, reflecting its overall financial health beyond just this single metric.
How does Banqup Group's Equity-to-Asset compare to QH and SHOP?
According to the Software industry distribution chart, Banqup Group ranks #1968 out of 2893 companies for Equity-to-Asset. This places Banqup Group in the lower half of its industry. The industry median Equity-to-Asset is 0.56. Banqup Group's value of 0.40 is 28.6% below this benchmark. While the company's 10-year median is 0.39 vs. the industry median of 0.56, Banqup Group 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 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. Banqup Group's current Equity-to-Asset of 0.40 is 28.6% 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 Banqup Group 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. Banqup Group's current Equity-to-Asset is 0.40, which is near median its own 10-year median of 0.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banqup Group stock overvalued right now?
Banqup Group (CHIX:BANQB) has a current Equity-to-Asset of 0.40. The stock's GF Value™ is €3.53, compared to a current price of €3.35 — trading 5.1% below its estimated fair value. The current Equity-to-Asset is 0.40, which is near median its 10-year median of 0.39 and 28.6% below the Software industry median of 0.56. Banqup Group's overall GF Score™ is 51/100 with 5 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 Banqup Group (CHIX:BANQB), the current Equity-to-Asset is 0.40 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 Banqup Group (CHIX:BANQB) Overvalued in 2026?
Based on GuruFocus' analysis, Banqup Group stock appears to be undervalued.
The current stock price of €3.35 is trading 5.1% below its estimated GF Value™ of €3.53.
Key valuation signals for CHIX:BANQB:
Equity-to-Asset: 0.40 (near median its 10-year median of 0.39)
GF Value™: €3.53 vs. price of €3.35 (5.1% below fair value)
Industry Position: 28.6% below the Software median (#1968 of 2893)
No single metric tells the full story. See the CHIX:BANQB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banqup Group SA provides integrated cloud-based SaaS solutions to streamline business transactions across the entire lifecycle, from e-invoicing and e-payments to tax reporting. The Group provides solutions for businesses, unifying purchase-to-pay, order-to-cash, e-invoicing compliance, and e-payments into one secure platform, removing the complexity of juggling disconnected tools. Its operating segments are: Digital Services, Traditional Communication Services, and Corporate. Maximum revenue is generated from the Digital Services segment, which groups CGUs Digital Document Processing and Payment: focusing on the core digital services of the Group, i.e., e-trust, e-invoicing, e-payments, and e-reporting. Geographically, the Group mainly operates across different markets in Europe.
51GF Score
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