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Ascory Bank AGFRA:VG80 55 Equity-to-Asset is 0.07 as of Dec. 2025, which is 40% above its 10-year median of 0.05. GuruFocus rates FRA:VG80 with a GF Score™ of 55/100 and a GF Value™ of €1.72. The stock has 2 warning signs investors should review. Among 1,524 Banks companies, Ascory Bank AG ranks worse than 76.31% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Ascory Bank AG's Total Stockholders Equity for the quarter that ended in Dec. 2025 was €78.36 Mil. Ascory Bank AG's Total Assets for the quarter that ended in Dec. 2025 was €1,064.93 Mil.
Therefore, Ascory Bank AG's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.07.
The historical rank and industry rank for Ascory Bank AG's Equity-to-Asset or its related term are showing as below:
FRA:VG80'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.02 Med: 0.05 Max: 0.08
Current: 0.07
During the past 13 years, the highest Equity to Asset Ratio of Ascory Bank AG was 0.08. The lowest was 0.02. And the median was 0.05.
FRA:VG80's Equity-to-Asset is ranked worse than 76.31% of 1524
companies
in the Banks industry
Industry Median: 0.1
vs FRA:VG80: 0.07
Ascory Bank AG (FRA:VG80) 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%.
Ascory Bank AG Equity-to-Asset Related Terms
Ascory Bank AG Equity-to-Asset Historical Data
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The historical data trend for Ascory Bank AG'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, Ascory Bank AG'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.
Ascory Bank AG Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Ascory Bank AG's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Ascory Bank AG'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.
Ascory Bank AG'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.
Ascory Bank AG (FRA:VG80) has a Equity-to-Asset of 0.07 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Ascory Bank AG and its competitors. This is 40% above median its historical median of 0.05. Over the past decade, Ascory Bank AG's Equity-to-Asset has ranged from 0.02 to 0.08. According to the industry distribution chart, Ascory Bank AG ranks #1163 out of 1524 companies in the Banks industry, placing it in the top 76.3%.
Is Ascory Bank AG's Equity-to-Asset too high?
Ascory Bank AG's current Equity-to-Asset of 0.07 is 40% above median its 10-year median of 0.05. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.08. The Banks industry median Equity-to-Asset is 0.10. Ascory Bank AG's value of 0.07 is 30% below this industry median. Based on the distribution chart, Ascory Bank AG ranks #1163 out of 1524 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Ascory Bank AG has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does Ascory Bank AG's Equity-to-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Ascory Bank AG ranks #1163 out of 1524 companies for Equity-to-Asset. This places Ascory Bank AG in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Ascory Bank AG's value of 0.07 is 30% below this benchmark. Historically, Ascory Bank AG's own Equity-to-Asset has ranged from 0.02 to 0.08 over the past decade. While the company's 10-year median is 0.05 vs. the industry median of 0.10, Ascory Bank AG 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 1,524 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. Ascory Bank AG's current Equity-to-Asset of 0.07 is 30% 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 Ascory Bank AG 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. Ascory Bank AG's current Equity-to-Asset is 0.07, which is 40% above median its own 10-year median of 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ascory Bank AG stock overvalued right now?
Ascory Bank AG (FRA:VG80) has a current Equity-to-Asset of 0.07. The stock's GF Value™ is €1.72, compared to a current price of €2.34 — trading 36% above its estimated fair value. The current Equity-to-Asset is 0.07, which is 40% above median its 10-year median of 0.05 and 30% below the Banks industry median of 0.10. Ascory Bank AG's overall GF Score™ is 55/100 with 2 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 Ascory Bank AG (FRA:VG80), the current Equity-to-Asset is 0.07 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 Ascory Bank AG (FRA:VG80) Overvalued in 2026?
Based on GuruFocus' analysis, Ascory Bank AG stock appears to be overvalued.
The current stock price of €2.34 is trading 36% above its estimated GF Value™ of €1.72.
Key valuation signals for FRA:VG80:
Equity-to-Asset: 0.07 (40% above median its 10-year median of 0.05)
GF Value™: €1.72 vs. price of €2.34 (36% above fair value)
Industry Position: 30% below the Banks median (#1163 of 1524)
No single metric tells the full story. See the FRA:VG80 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ascory Bank AG is a German credit institution. Its business model is focused as a specialist bank for structured financing in the corporate client sector targets start-up and scale-up clients in the fintech (including leasing and factoring institutions), energy transition, and leveraged finance sectors, and is based on a diversified funding plan.
55GF Score
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