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United Bankers OyjFRA:DX0 73 Equity-to-Asset is 0.52 as of Jun. 2026, which is 17% below its 10-year median of 0.63. GuruFocus rates FRA:DX0 with a GF Score™ of 73/100 and a GF Value™ of €16.94 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,630 Asset Management companies, United Bankers Oyj ranks worse than 80.25% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. United Bankers Oyj's Total Stockholders Equity for the quarter that ended in Jun. 2026 was €58.91 Mil. United Bankers Oyj's Total Assets for the quarter that ended in Jun. 2026 was €112.51 Mil.
Therefore, United Bankers Oyj's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.52.
The historical rank and industry rank for United Bankers Oyj's Equity-to-Asset or its related term are showing as below:
FRA:DX0'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.52 Med: 0.63 Max: 0.72
Current: 0.52
During the past 13 years, the highest Equity to Asset Ratio of United Bankers Oyj was 0.72. The lowest was 0.52. And the median was 0.63.
FRA:DX0's Equity-to-Asset is ranked worse than 80.25% of 1630
companies
in the Asset Management industry
Industry Median: 0.83
vs FRA:DX0: 0.52
United Bankers Oyj (FRA:DX0) 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%.
United Bankers Oyj Equity-to-Asset Related Terms
United Bankers Oyj Equity-to-Asset Historical Data
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The historical data trend for United Bankers Oyj'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.
FRA:DX0 vs BLK, BX, KKR: Equity-to-Asset Comparison
For the Asset Management subindustry, United Bankers Oyj'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.
United Bankers Oyj Equity-to-Asset vs Asset Management Industry
For the Asset Management industry and Financial Services sector, United Bankers Oyj's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where United Bankers Oyj'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.
United Bankers Oyj'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.
United Bankers Oyj (FRA:DX0) has a Equity-to-Asset of 0.52 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on United Bankers Oyj and its competitors. This is 17% below median its historical median of 0.63. Over the past decade, United Bankers Oyj's Equity-to-Asset has ranged from 0.52 to 0.72. According to the industry distribution chart, United Bankers Oyj ranks #1308 out of 1630 companies in the Asset Management industry, placing it in the top 80.2%.
Is United Bankers Oyj's Equity-to-Asset too high?
United Bankers Oyj's current Equity-to-Asset of 0.52 is 17% below median its 10-year median of 0.63. Over the past 10 years, this metric has ranged from a low of 0.52 to a high of 0.72. The Asset Management industry median Equity-to-Asset is 0.83. United Bankers Oyj's value of 0.52 is 37.3% below this industry median. Based on the distribution chart, United Bankers Oyj ranks #1308 out of 1630 companies in the Asset Management industry, which is in the bottom quartile relative to peers. Overall, United Bankers Oyj has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bankers Oyj's Equity-to-Asset compare to BLK and BX?
According to the Asset Management industry distribution chart, United Bankers Oyj ranks #1308 out of 1630 companies for Equity-to-Asset. This places United Bankers Oyj in the lower half of its industry. The industry median Equity-to-Asset is 0.83. United Bankers Oyj's value of 0.52 is 37.3% below this benchmark. Historically, United Bankers Oyj's own Equity-to-Asset has ranged from 0.52 to 0.72 over the past decade. While the company's 10-year median is 0.63 vs. the industry median of 0.83, United Bankers Oyj 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 an Asset Management company?
The median Equity-to-Asset among Asset Management companies is 0.83, based on 1,630 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. United Bankers Oyj's current Equity-to-Asset of 0.52 is 37.3% 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 United Bankers Oyj and its competitors. For the Asset Management industry, the median Equity-to-Asset is 0.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bankers Oyj's current Equity-to-Asset is 0.52, which is 17% below median its own 10-year median of 0.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Bankers Oyj stock overvalued right now?
Based on GuruFocus' analysis, United Bankers Oyj (FRA:DX0) is currently considered Modestly Overvalued. The stock's GF Value™ is €16.94, compared to a current price of €22.60 — trading 33.4% above its estimated fair value. The current Equity-to-Asset is 0.52, which is 17% below median its 10-year median of 0.63 and 37.3% below the Asset Management industry median of 0.83. United Bankers Oyj's overall GF Score™ is 73/100 with 7 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 United Bankers Oyj (FRA:DX0), the current Equity-to-Asset is 0.52 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 United Bankers Oyj (FRA:DX0) Overvalued in 2026?
Based on GuruFocus' analysis, United Bankers Oyj stock appears to be overvalued.
The current stock price of €22.60 is trading 33.4% above its estimated GF Value™ of €16.94.
GuruFocus considers United Bankers Oyj to be Modestly Overvalued.
Key valuation signals for FRA:DX0:
Equity-to-Asset: 0.52 (17% below median its 10-year median of 0.63)
GF Value™: €16.94 vs. price of €22.60 (33.4% above fair value)
Industry Position: 37.3% below the Asset Management median (#1308 of 1630)
No single metric tells the full story. See the FRA:DX0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Bankers Oyj provides investment products and services. The company has two business areas, wealth management and capital markets services. In wealth management, the Group specializes in real asset investments including forest real estate, and infrastructure funds. The majority of the income from operations is generated by the wealth management segment, whose customers include individuals, companies, and institutions.
73GF Score
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