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Manx Financial GroupFRA:3IM 50 Equity-to-Asset is 0.08 as of Dec. 2025, which is at its 10-year median of 0.08. GuruFocus rates FRA:3IM with a GF Score™ of 50/100 and a GF Value™ of €0.28 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,525 Banks companies, Manx Financial Group ranks worse than 66.49% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Manx Financial Group's Total Stockholders Equity for the quarter that ended in Dec. 2025 was €49.76 Mil. Manx Financial Group's Total Assets for the quarter that ended in Dec. 2025 was €641.72 Mil.
Therefore, Manx Financial Group's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.08.
The historical rank and industry rank for Manx Financial Group's Equity-to-Asset or its related term are showing as below:
FRA:3IM'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.08 Max: 0.1
Current: 0.08
During the past 13 years, the highest Equity to Asset Ratio of Manx Financial Group was 0.10. The lowest was 0.07. And the median was 0.08.
FRA:3IM's Equity-to-Asset is ranked worse than 66.49% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs FRA:3IM: 0.08
Manx Financial Group (FRA:3IM) 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%.
Manx Financial Group Equity-to-Asset Related Terms
Manx Financial Group Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Manx Financial 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.
For the Banks - Regional subindustry, Manx Financial 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.
Manx Financial Group Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Manx Financial Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Manx Financial 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.
Manx Financial 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.
Manx Financial Group (FRA:3IM) has a Equity-to-Asset of 0.08 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Manx Financial Group and its competitors. This is near median its historical median of 0.08. Over the past decade, Manx Financial Group's Equity-to-Asset has ranged from 0.07 to 0.10. According to the industry distribution chart, Manx Financial Group ranks #1014 out of 1525 companies in the Banks industry, placing it in the top 66.5%.
Is Manx Financial Group's Equity-to-Asset too high?
Manx Financial Group's current Equity-to-Asset of 0.08 is near median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. Manx Financial Group's value of 0.08 is 20% below this industry median. Based on the distribution chart, Manx Financial Group ranks #1014 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, Manx Financial Group has a GF Score™ of 50/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Manx Financial Group's Equity-to-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Manx Financial Group ranks #1014 out of 1525 companies for Equity-to-Asset. This places Manx Financial Group in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Manx Financial Group's value of 0.08 is 20% below this benchmark. Historically, Manx Financial Group's own Equity-to-Asset has ranged from 0.07 to 0.10 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, Manx Financial 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 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. Manx Financial Group's current Equity-to-Asset of 0.08 is 20% 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 Manx Financial Group 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. Manx Financial Group's current Equity-to-Asset is 0.08, which is near median its own 10-year median of 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Manx Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Manx Financial Group (FRA:3IM) is currently considered Fairly Valued. The stock's GF Value™ is €0.28, compared to a current price of €0.28 — trading right at its estimated fair value. The current Equity-to-Asset is 0.08, which is near median its 10-year median of 0.08 and 20% below the Banks industry median of 0.10. Manx Financial Group's overall GF Score™ is 50/100 with 3 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 Manx Financial Group (FRA:3IM), the current Equity-to-Asset is 0.08 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 Manx Financial Group (FRA:3IM) Overvalued in 2026?
Based on GuruFocus' analysis, Manx Financial Group stock appears to be undervalued.
The current stock price of €0.28 is trading 0% below its estimated GF Value™ of €0.28.
GuruFocus considers Manx Financial Group to be Fairly Valued.
Key valuation signals for FRA:3IM:
Equity-to-Asset: 0.08 (near median its 10-year median of 0.08)
GF Value™: €0.28 vs. price of €0.28 (0% below fair value)
Industry Position: 20% below the Banks median (#1014 of 1525)
No single metric tells the full story. See the FRA:3IM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Manx Financial Group PLC is a banking company. The group along with its subsidiaries offers retail and commercial banking services, payment solutions, wealth management, general insurance, and life insurance. It operates in three product orientated segments along with investing activities: Asset and Personal Finance (including provision of HP contracts, finance leases, personal loans, commercial loans, block discounting, vehicle stocking plans and wholesale funding agreements); Edgewater Associates Limited (provision of financial advice); and MFX Limited (provision of foreign currency transaction services). The Group currently operates in one geographic segment comprising of the Isle of Man, and UK region.
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