Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Qliro ABFRA:2AI -0.95%70 Equity-to-Asset is 0.20 as of Jun. 2026, which is 18% above its 10-year median of 0.17. GuruFocus rates FRA:2AI with a GF Score™ of 70/100 and a GF Value™ of €1.48. The stock has 5 warning signs investors should review. Among 547 Credit Services companies, Qliro AB ranks worse than 69.47% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Qliro AB's Total Stockholders Equity for the quarter that ended in Jun. 2026 was €60.72 Mil. Qliro AB's Total Assets for the quarter that ended in Jun. 2026 was €302.48 Mil.
Therefore, Qliro AB's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.20.
The historical rank and industry rank for Qliro AB's Equity-to-Asset or its related term are showing as below:
FRA:2AI'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.11 Med: 0.17 Max: 0.26
Current: 0.2
During the past 9 years, the highest Equity to Asset Ratio of Qliro AB was 0.26. The lowest was 0.11. And the median was 0.17.
FRA:2AI's Equity-to-Asset is ranked worse than 69.47% of 547
companies
in the Credit Services industry
Industry Median: 0.4
vs FRA:2AI: 0.20
Qliro AB (FRA:2AI) 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%.
Qliro AB Equity-to-Asset Related Terms
Qliro AB Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Qliro AB'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 Credit Services subindustry, Qliro AB'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.
Qliro AB Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Qliro AB's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Qliro AB'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.
Qliro AB'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.
Qliro AB (FRA:2AI) has a Equity-to-Asset of 0.20 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Qliro AB and its competitors. This is 18% above median its historical median of 0.17. Over the past decade, Qliro AB's Equity-to-Asset has ranged from 0.11 to 0.26. According to the industry distribution chart, Qliro AB ranks #380 out of 547 companies in the Credit Services industry, placing it in the top 69.5%.
Is Qliro AB's Equity-to-Asset too high?
Qliro AB's current Equity-to-Asset of 0.20 is 18% above median its 10-year median of 0.17. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.26. The Credit Services industry median Equity-to-Asset is 0.40. Qliro AB's value of 0.20 is 50% below this industry median. Based on the distribution chart, Qliro AB ranks #380 out of 547 companies in the Credit Services industry, which is below the industry midpoint. Overall, Qliro AB has a GF Score™ of 70/100, reflecting its overall financial health beyond just this single metric.
How does Qliro AB's Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Qliro AB ranks #380 out of 547 companies for Equity-to-Asset. This places Qliro AB in the lower half of its industry. The industry median Equity-to-Asset is 0.40. Qliro AB's value of 0.20 is 50% below this benchmark. Historically, Qliro AB's own Equity-to-Asset has ranged from 0.11 to 0.26 over the past decade. While the company's 10-year median is 0.17 vs. the industry median of 0.40, Qliro AB 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 547 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. Qliro AB's current Equity-to-Asset of 0.20 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 Qliro AB 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. Qliro AB's current Equity-to-Asset is 0.20, which is 18% above median its own 10-year median of 0.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Qliro AB stock overvalued right now?
Qliro AB (FRA:2AI) has a current Equity-to-Asset of 0.20. The stock's GF Value™ is €1.48, compared to a current price of €1.56 — trading 5.4% above its estimated fair value. The current Equity-to-Asset is 0.20, which is 18% above median its 10-year median of 0.17 and 50% below the Credit Services industry median of 0.40. Qliro AB's overall GF Score™ is 70/100 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 Qliro AB (FRA:2AI), the current Equity-to-Asset is 0.20 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 Qliro AB (FRA:2AI) Overvalued in 2026?
Based on GuruFocus' analysis, Qliro AB stock appears to be overvalued.
The current stock price of €1.56 is trading 5.4% above its estimated GF Value™ of €1.48.
Key valuation signals for FRA:2AI:
Equity-to-Asset: 0.20 (18% above median its 10-year median of 0.17)
GF Value™: €1.48 vs. price of €1.56 (5.4% above fair value)
Industry Position: 50% below the Credit Services median (#380 of 547)
No single metric tells the full story. See the FRA:2AI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Qliro AB is a fintech company that provides digital payment solutions to both Enterprise and SME merchants, with a primary focus on e-commerce. Its offering to merchants includes a checkout solution designed to maximise both conversion and upselling. The Unified Payments system integrates all relevant payment methods in one offering, allowing flexible implementation. For consumers, Qliro offers its proprietary invoice and part-payment services (Pay Later) available through connected merchants throughout the Nordics, as well as personal savings accounts in Sweden and Germany. The Group identifies only one operating segment: Payment Solutions. Geographically, it generates maximum revenue from Sweden, and the rest from Finland, Denmark, and Norway.
70GF Score
Get the complete analysis for FRA:2AI
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:2AI has been successfully added to your 
