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PCI-PALLSE:PCIP 46 Equity-to-Asset is -0.13 as of Dec. 2025. GuruFocus rates LSE:PCIP with a GF Score™ of 46/100 and a GF Value™ of £0.72 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 2,891 Software companies, PCI-PAL ranks worse than 93.05% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. PCI-PAL's Total Stockholders Equity for the quarter that ended in Dec. 2025 was £-1.98 Mil. PCI-PAL's Total Assets for the quarter that ended in Dec. 2025 was £15.52 Mil.
Therefore, PCI-PAL's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was -0.13.
The historical rank and industry rank for PCI-PAL's Equity-to-Asset or its related term are showing as below:
LSE:PCIP'
s Equity-to-Asset Range Over the Past 10 Years
Min: -0.43 Med: 0.12 Max: 0.94
Current: -0.13
During the past 13 years, the highest Equity to Asset Ratio of PCI-PAL was 0.94. The lowest was -0.43. And the median was 0.12.
LSE:PCIP's Equity-to-Asset is ranked worse than 93.05% of 2891
companies
in the Software industry
Industry Median: 0.56
vs LSE:PCIP: -0.13
PCI-PAL (LSE:PCIP) 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%.
PCI-PAL Equity-to-Asset Related Terms
PCI-PAL Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for PCI-PAL'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.
LSE:PCIP vs MSFT, ORCL, PLTR: Equity-to-Asset Comparison
For the Software - Infrastructure subindustry, PCI-PAL'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.
PCI-PAL Equity-to-Asset vs Software Industry
For the Software industry and Technology sector, PCI-PAL's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where PCI-PAL'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.
PCI-PAL's Equity to Asset Ratio for the fiscal year that ended in Jun. 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.
PCI-PAL (LSE:PCIP) has a Equity-to-Asset of -0.13 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on PCI-PAL and its competitors. According to the industry distribution chart, PCI-PAL ranks #2690 out of 2891 companies in the Software industry, placing it in the top 93%.
Is PCI-PAL's Equity-to-Asset too high?
PCI-PAL's current Equity-to-Asset is -0.13. Based on the distribution chart, PCI-PAL ranks #2690 out of 2891 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, PCI-PAL has a GF Score™ of 46/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PCI-PAL's Equity-to-Asset compare to MSFT and ORCL?
According to the Software industry distribution chart, PCI-PAL ranks #2690 out of 2891 companies for Equity-to-Asset. This places PCI-PAL in the lower half of its industry. The industry median Equity-to-Asset is 0.56. 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 Software company?
The median Equity-to-Asset among Software companies is 0.56, based on 2,891 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. 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 PCI-PAL and its competitors. For the Software industry, the median Equity-to-Asset is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PCI-PAL's current Equity-to-Asset is -0.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PCI-PAL stock overvalued right now?
Based on GuruFocus' analysis, PCI-PAL (LSE:PCIP) is currently considered Possible Value Trap. The stock's GF Value™ is £0.72, compared to a current price of £0.44 — trading 39.6% below its estimated fair value. The current Equity-to-Asset is -0.13. PCI-PAL's overall GF Score™ is 46/100 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 PCI-PAL (LSE:PCIP), the current Equity-to-Asset is -0.13 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 PCI-PAL (LSE:PCIP) Overvalued in 2026?
Based on GuruFocus' analysis, PCI-PAL stock appears to be undervalued.
The current stock price of £0.44 is trading 39.6% below its estimated GF Value™ of £0.72.
GuruFocus considers PCI-PAL to be Possible Value Trap.
Key valuation signals for LSE:PCIP:
Equity-to-Asset: -0.13
GF Value™: £0.72 vs. price of £0.44 (39.6% below fair value)
No single metric tells the full story. See the LSE:PCIP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PCI-PAL PLC is a holding company engaged in the peripheral component interconnect (PCI) and telephony services business. It operates as a specialist provider of secure payments solutions, including a cloud-based, Payment Card Industry Data Security Standard compliant suite. Its business activities include accepting contracts across a range of market sectors including retail, services, leisure, public, and charity sector. It operates the business across the United Kingdom serving the other markets. It operates one business sector: the service of providing data secure payment card authorizations for call centre operations and this is delivered on a regional basis. The company operates in EMEA, North America and ANZ region, out of which it generates maximum revenue from EMEA.
46GF Score
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