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Franklin Credit ManagementFCRM 29 Equity-to-Asset is 0.40 as of Dec. 2025, which is 22% below its 10-year median of 0.51. GuruFocus rates FCRM with a GF Score™ of 29/100 and a GF Value™ of $0.08 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,525 Banks companies, Franklin Credit Management ranks better than 97.84% on this metric.
Franklin Credit Management (OTCPK:FCRM) 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%.
Franklin Credit Management Equity-to-Asset Related Terms
Franklin Credit Management 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.
FCRM vs SHFS, RKT, FNMA: Equity-to-Asset Comparison
For the Mortgage Finance subindustry, Franklin Credit Management'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.
Franklin Credit Management Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Franklin Credit Management's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Franklin Credit Management's Equity-to-Asset falls into.
Franklin Credit Management 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.
Franklin Credit Management'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.
Franklin Credit Management (FCRM) 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 Franklin Credit Management and its competitors. This is 22% below median its historical median of 0.51. Over the past decade, Franklin Credit Management's Equity-to-Asset has ranged from 0.40 to 0.62. According to the industry distribution chart, Franklin Credit Management ranks #33 out of 1525 companies in the Banks industry, placing it in the top 2.2%.
Is Franklin Credit Management's Equity-to-Asset too high?
Franklin Credit Management's current Equity-to-Asset of 0.40 is 22% below median its 10-year median of 0.51. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 0.62. The Banks industry median Equity-to-Asset is 0.10. Franklin Credit Management's value of 0.40 is 300% above this industry median. Based on the distribution chart, Franklin Credit Management ranks #33 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Franklin Credit Management has a GF Score™ of 29/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Franklin Credit Management's Equity-to-Asset compare to SHFS and RKT?
According to the Banks industry distribution chart, Franklin Credit Management ranks #33 out of 1525 companies for Equity-to-Asset. This places Franklin Credit Management in the top 2% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Franklin Credit Management's value of 0.40 is 300% above this benchmark. Historically, Franklin Credit Management's own Equity-to-Asset has ranged from 0.40 to 0.62 over the past decade. While the company's 10-year median is 0.51 vs. the industry median of 0.10, Franklin Credit Management has consistently been above 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. Franklin Credit Management's current Equity-to-Asset of 0.40 is 300% above 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 Franklin Credit Management 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. Franklin Credit Management's current Equity-to-Asset is 0.40, which is 22% below median its own 10-year median of 0.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Franklin Credit Management stock overvalued right now?
Based on GuruFocus' analysis, Franklin Credit Management (FCRM) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.08, compared to a current price of $0.19 — trading 136.3% above its estimated fair value. The current Equity-to-Asset is 0.40, which is 22% below median its 10-year median of 0.51 and 300% above the Banks industry median of 0.10. Franklin Credit Management's overall GF Score™ is 29/100 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 Franklin Credit Management (FCRM), 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 Franklin Credit Management (FCRM) Overvalued in 2026?
Based on GuruFocus' analysis, Franklin Credit Management stock appears to be overvalued.
The current stock price of $0.19 is trading 136.3% above its estimated GF Value™ of $0.08.
GuruFocus considers Franklin Credit Management to be Significantly Overvalued.
Key valuation signals for FCRM:
Equity-to-Asset: 0.40 (22% below median its 10-year median of 0.51)
GF Value™: $0.08 vs. price of $0.19 (136.3% above fair value)
Industry Position: 300% above the Banks median (#33 of 1525)
No single metric tells the full story. See the FCRM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Franklin Credit Management Corp is a specialty consumer finance company mainly in the servicing and resolution of performing, reperforming, nonperforming residential mortgage loans, including specialized loan recovery and collection servicing, and in the analysis, pricing and acquisition of residential mortgage portfolios for third parties. Its servicing operations including specialized loan recovery and collecting services, consist of a call letter staffed by professionals skilled in customer service, Collection, loan mitigation, foreclosure, bankruptcy, real estate property management, deficiency recovery and judgement processing.
29GF Score
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