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J and Friends HoldingsJF +1.09%24 Equity-to-Asset is 0.16 as of Dec. 2025. GuruFocus rates JF with a GF Score™ of 24/100. The stock has 5 warning signs investors should review. Among 548 Credit Services companies, J and Friends Holdings ranks worse than 76.82% on this metric.
J and Friends Holdings (NAS:JF) 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%.
J and Friends Holdings Equity-to-Asset Related Terms
J and Friends Holdings Equity-to-Asset Historical Data
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The historical data trend for J and Friends Holdings'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.
JF vs STQN, AIJTY, SPST: Equity-to-Asset Comparison
For the Credit Services subindustry, J and Friends Holdings'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.
J and Friends Holdings Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, J and Friends Holdings's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where J and Friends Holdings's Equity-to-Asset falls into.
J and Friends Holdings 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.
J and Friends Holdings'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.
J and Friends Holdings (JF) has a Equity-to-Asset of 0.16 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on J and Friends Holdings and its competitors. According to the industry distribution chart, J and Friends Holdings ranks #421 out of 548 companies in the Credit Services industry, placing it in the top 76.8%.
Is J and Friends Holdings' Equity-to-Asset too high?
J and Friends Holdings' current Equity-to-Asset is 0.16. The Credit Services industry median Equity-to-Asset is 0.40. J and Friends Holdings' value of 0.16 is 60% below this industry median. Based on the distribution chart, J and Friends Holdings ranks #421 out of 548 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, J and Friends Holdings has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does J and Friends Holdings' Equity-to-Asset compare to STQN and AIJTY?
According to the Credit Services industry distribution chart, J and Friends Holdings ranks #421 out of 548 companies for Equity-to-Asset. This places J and Friends Holdings in the lower half of its industry. The industry median Equity-to-Asset is 0.40. J and Friends Holdings' value of 0.16 is 60% below this benchmark. 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 548 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. J and Friends Holdings's current Equity-to-Asset of 0.16 is 60% 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 J and Friends Holdings 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. J and Friends Holdings's current Equity-to-Asset is 0.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is J and Friends Holdings stock overvalued right now?
J and Friends Holdings (JF) has a current Equity-to-Asset of 0.16. The current Equity-to-Asset is 0.16 and 60% below the Credit Services industry median of 0.40. J and Friends Holdings' overall GF Score™ is 24/100 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 J and Friends Holdings (JF), the current Equity-to-Asset is 0.16 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.
J and Friends Holdings Ltd providing merchant digitalization and commerce-enablement solutions to small and medium enterprises (SME). Its solutions feature critical functionality that SMEs need to engage with consumers, manage their operations, accept payments, and grow their business. Such solutions empower single- and multi-location retailers, restaurants, and other SMEs to compete successfully in an omni-channel market environment by engaging with consumers across online, mobile, and physical channels. The group conducts all of its current operations in Australia and generates revenues from continuing operations are derived from within Australia.
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