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Banca TransilvaniaLTS:0DP9 75 Equity-to-Asset is 0.10 as of Jun. 2026, which is 11% above its 10-year median of 0.09. GuruFocus rates LTS:0DP9 with a GF Score™ of 75/100 and a GF Value™ of lei1.58 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,519 Banks companies, Banca Transilvania ranks better than 54.38% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Banca Transilvania's Total Stockholders Equity for the quarter that ended in Jun. 2026 was lei23,428 Mil. Banca Transilvania's Total Assets for the quarter that ended in Jun. 2026 was lei233,324 Mil.
Therefore, Banca Transilvania's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.10.
The historical rank and industry rank for Banca Transilvania's Equity-to-Asset or its related term are showing as below:
LTS:0DP9'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06 Med: 0.09 Max: 0.12
Current: 0.1
During the past 13 years, the highest Equity to Asset Ratio of Banca Transilvania was 0.12. The lowest was 0.06. And the median was 0.09.
LTS:0DP9's Equity-to-Asset is ranked better than 54.38% of 1519
companies
in the Banks industry
Industry Median: 0.1
vs LTS:0DP9: 0.10
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%.
Banca Transilvania Equity-to-Asset Related Terms
Banca Transilvania Equity-to-Asset Historical Data
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The historical data trend for Banca Transilvania'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, Banca Transilvania'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.
Banca Transilvania Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Banca Transilvania's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Banca Transilvania'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.
Banca Transilvania'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.
Banca Transilvania (LTS:0DP9) has a Equity-to-Asset of 0.10 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Banca Transilvania and its competitors. This is 11% above median its historical median of 0.09. Over the past decade, Banca Transilvania's Equity-to-Asset has ranged from 0.06 to 0.12. According to the industry distribution chart, Banca Transilvania ranks #693 out of 1519 companies in the Banks industry, placing it in the top 45.6%.
Is Banca Transilvania's Equity-to-Asset too high?
Banca Transilvania's current Equity-to-Asset of 0.10 is 11% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.12. The Banks industry median Equity-to-Asset is 0.10. Banca Transilvania's value of 0.10 is 0% at this industry median. Based on the distribution chart, Banca Transilvania ranks #693 out of 1519 companies in the Banks industry, which is above the industry midpoint. Overall, Banca Transilvania has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banca Transilvania's Equity-to-Asset compare to USB and PNC?
According to the Banks industry distribution chart, Banca Transilvania ranks #693 out of 1519 companies for Equity-to-Asset. This puts Banca Transilvania in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Banca Transilvania's value of 0.10 is 0% at this benchmark. Historically, Banca Transilvania's own Equity-to-Asset has ranged from 0.06 to 0.12 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, Banca Transilvania has consistently been at 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 1,519 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. Banca Transilvania's current Equity-to-Asset of 0.10 is 0% at 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 Banca Transilvania 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. Banca Transilvania's current Equity-to-Asset is 0.10, which is 11% above median its own 10-year median of 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banca Transilvania stock overvalued right now?
Based on GuruFocus' analysis, Banca Transilvania (LTS:0DP9) is currently considered Significantly Overvalued. The stock's GF Value™ is lei1.58, compared to a current price of lei2.13 — trading 34.5% above its estimated fair value. The current Equity-to-Asset is 0.10, which is 11% above median its 10-year median of 0.09 and 0% at the Banks industry median of 0.10. Banca Transilvania's overall GF Score™ is 75/100 with 8 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 Banca Transilvania (LTS:0DP9), the current Equity-to-Asset is 0.10 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 Banca Transilvania (LTS:0DP9) Overvalued in 2026?
Based on GuruFocus' analysis, Banca Transilvania stock appears to be overvalued.
The current stock price of lei2.13 is trading 34.5% above its estimated GF Value™ of lei1.58.
GuruFocus considers Banca Transilvania to be Significantly Overvalued.
Key valuation signals for LTS:0DP9:
Equity-to-Asset: 0.10 (11% above median its 10-year median of 0.09)
GF Value™: lei1.58 vs. price of lei2.13 (34.5% above fair value)
Industry Position: 0% at the Banks median (#693 of 1519)
No single metric tells the full story. See the LTS:0DP9 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banca Transilvania SA Is a bank for entrepreneurs in Romania. It provides banking products and services to corporate and retail clients and its operation format is broken down into various segments which include Large and medium corporate customers, Small and medium-sized enterprises, Micro business clients, Retail, Treasury, Leasing, and customer finance, and others. The group takes an active role in offering products and services such as lending services, cash management services, asset management, investment, mortgage, deposits, card services, internet banking, tax assistance, and financial services for a medical specialty. Besides, the firm also offers financial investment management, brokerage service, factoring, and real estate services.
75GF Score
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