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.
Commercial Facilities CoKKUW:FACIL 7 Equity-to-Asset is 0.57 as of Jun. 2026, which is 6% above its 10-year median of 0.54. GuruFocus rates KUW:FACIL with a GF Score™ of 7/100 and a GF Value™ of KWD0.22 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 554 Credit Services companies, Commercial Facilities CoK ranks better than 65.7% on this metric.
Commercial Facilities CoK (KUW:FACIL) 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%.
Commercial Facilities CoK Equity-to-Asset Related Terms
Commercial Facilities CoK Equity-to-Asset Historical Data
* 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.
KUW:FACIL vs V, MA, AXP: Equity-to-Asset Comparison
For the Credit Services subindustry, Commercial Facilities CoK'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.
Commercial Facilities CoK Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Commercial Facilities CoK's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Commercial Facilities CoK's Equity-to-Asset falls into.
Commercial Facilities CoK 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.
Commercial Facilities CoK'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.
Commercial Facilities CoK (KUW:FACIL) has a Equity-to-Asset of 0.57 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Commercial Facilities CoK and its competitors. This is near median its historical median of 0.54. Over the past decade, Commercial Facilities CoK's Equity-to-Asset has ranged from 0.46 to 0.60. According to the industry distribution chart, Commercial Facilities CoK ranks #190 out of 554 companies in the Credit Services industry, placing it in the top 34.3%.
Is Commercial Facilities CoK's Equity-to-Asset too high?
Commercial Facilities CoK's current Equity-to-Asset of 0.57 is near median its 10-year median of 0.54. Over the past 10 years, this metric has ranged from a low of 0.46 to a high of 0.60. The Credit Services industry median Equity-to-Asset is 0.40. Commercial Facilities CoK's value of 0.57 is 42.5% above this industry median. Based on the distribution chart, Commercial Facilities CoK ranks #190 out of 554 companies in the Credit Services industry, which is above the industry midpoint. Overall, Commercial Facilities CoK has a GF Score™ of 7/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Commercial Facilities CoK's Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Commercial Facilities CoK ranks #190 out of 554 companies for Equity-to-Asset. This puts Commercial Facilities CoK in the upper half of its industry. The industry median Equity-to-Asset is 0.40. Commercial Facilities CoK's value of 0.57 is 42.5% above this benchmark. Historically, Commercial Facilities CoK's own Equity-to-Asset has ranged from 0.46 to 0.60 over the past decade. While the company's 10-year median is 0.54 vs. the industry median of 0.40, Commercial Facilities CoK has consistently been above 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 554 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. Commercial Facilities CoK's current Equity-to-Asset of 0.57 is 42.5% above 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 Commercial Facilities CoK 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. Commercial Facilities CoK's current Equity-to-Asset is 0.57, which is near median its own 10-year median of 0.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commercial Facilities CoK stock overvalued right now?
Based on GuruFocus' analysis, Commercial Facilities CoK (KUW:FACIL) is currently considered Modestly Overvalued. The stock's GF Value™ is KWD0.22, compared to a current price of KWD0.27 — trading 21.4% above its estimated fair value. The current Equity-to-Asset is 0.57, which is near median its 10-year median of 0.54 and 42.5% above the Credit Services industry median of 0.40. Commercial Facilities CoK's overall GF Score™ is 7/100 with 9 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 Commercial Facilities CoK (KUW:FACIL), the current Equity-to-Asset is 0.57 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 Commercial Facilities CoK (KUW:FACIL) Overvalued in 2026?
Based on GuruFocus' analysis, Commercial Facilities CoK stock appears to be overvalued.
The current stock price of KWD0.27 is trading 21.4% above its estimated GF Value™ of KWD0.22.
GuruFocus considers Commercial Facilities CoK to be Modestly Overvalued.
Key valuation signals for KUW:FACIL:
Equity-to-Asset: 0.57 (near median its 10-year median of 0.54)
GF Value™: KWD0.22 vs. price of KWD0.27 (21.4% above fair value)
Industry Position: 42.5% above the Credit Services median (#190 of 554)
No single metric tells the full story. See the KUW:FACIL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Commercial Facilities Co SAK is a Kuwait-based company engaged in the provision of instalment credit facilities to finance consumer and commercial products. Its services include financing new and used cars, boats, marine equipment, furniture and electrical appliances, basic construction materials, and granting personal cash loans, among others. The company's services fall into four divisions, including Consumer Loans, Cash Loans, Commercial Loans, and Basic Materials Loans. The company also offers its services through online.
7GF Score
Get the complete analysis for KUW:FACIL
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
KUW:FACIL has been successfully added to your 
