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APS BankMAL:APS -3.39%15 Equity-to-Asset is 0.08 as of Jun. 2026, which is at its 10-year median of 0.08. GuruFocus rates MAL:APS with a GF Score™ of 15/100 and a GF Value™ of €0.61 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,521 Banks companies, APS Bank ranks worse than 66.54% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. APS Bank's Total Stockholders Equity for the quarter that ended in Jun. 2026 was €359.2 Mil. APS Bank's Total Assets for the quarter that ended in Jun. 2026 was €4,795.8 Mil.
Therefore, APS Bank's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.08.
The historical rank and industry rank for APS Bank's Equity-to-Asset or its related term are showing as below:
MAL:APS'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.08 Max: 0.08
Current: 0.08
During the past 5 years, the highest Equity to Asset Ratio of APS Bank was 0.08. The lowest was 0.07. And the median was 0.08.
MAL:APS's Equity-to-Asset is ranked worse than 66.54% of 1521
companies
in the Banks industry
Industry Median: 0.1
vs MAL:APS: 0.08
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%.
APS Bank Equity-to-Asset Related Terms
APS Bank Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for APS Bank'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, APS Bank'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.
APS Bank Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, APS Bank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where APS Bank'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.
APS Bank'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.
APS Bank (MAL:APS) has a Equity-to-Asset of 0.08 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on APS Bank and its competitors. This is near median its historical median of 0.08. Over the past decade, APS Bank's Equity-to-Asset has ranged from 0.07 to 0.08. According to the industry distribution chart, APS Bank ranks #1012 out of 1521 companies in the Banks industry, placing it in the top 66.5%.
Is APS Bank's Equity-to-Asset too high?
APS Bank's current Equity-to-Asset of 0.08 is near median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.08. The Banks industry median Equity-to-Asset is 0.10. APS Bank's value of 0.08 is 20% below this industry median. Based on the distribution chart, APS Bank ranks #1012 out of 1521 companies in the Banks industry, which is below the industry midpoint. Overall, APS Bank has a GF Score™ of 15/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does APS Bank's Equity-to-Asset compare to USB and PNC?
According to the Banks industry distribution chart, APS Bank ranks #1012 out of 1521 companies for Equity-to-Asset. This places APS Bank in the lower half of its industry. The industry median Equity-to-Asset is 0.10. APS Bank's value of 0.08 is 20% below this benchmark. Historically, APS Bank's own Equity-to-Asset has ranged from 0.07 to 0.08 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, APS Bank 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 1,521 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. APS Bank's current Equity-to-Asset of 0.08 is 20% 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 APS Bank 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. APS Bank's current Equity-to-Asset is 0.08, which is near median its own 10-year median of 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is APS Bank stock overvalued right now?
Based on GuruFocus' analysis, APS Bank (MAL:APS) is currently considered Fairly Valued. The stock's GF Value™ is €0.61, compared to a current price of €0.57 — trading 6.6% below its estimated fair value. The current Equity-to-Asset is 0.08, which is near median its 10-year median of 0.08 and 20% below the Banks industry median of 0.10. APS Bank's overall GF Score™ is 15/100 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 APS Bank (MAL:APS), the current Equity-to-Asset is 0.08 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 APS Bank (MAL:APS) Overvalued in 2026?
Based on GuruFocus' analysis, APS Bank stock appears to be undervalued.
The current stock price of €0.57 is trading 6.6% below its estimated GF Value™ of €0.61.
GuruFocus considers APS Bank to be Fairly Valued.
Key valuation signals for MAL:APS:
Equity-to-Asset: 0.08 (near median its 10-year median of 0.08)
GF Value™: €0.61 vs. price of €0.57 (6.6% below fair value)
Industry Position: 20% below the Banks median (#1012 of 1521)
No single metric tells the full story. See the MAL:APS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
APS Bank Ltd offers various personal banking and other financial products and services, including savings accounts, insurance and investment products, home loans, and personal loans, among others. It also caters to the banking needs of corporate customers. The company, along with its subsidiaries, operates in four reportable segments: Retail, Commercial, Investment Services, and Liquidity Management and Structured Loans. Maximum revenue is generated from the Retail segment, which offers various products and services to meet the personal banking needs of individual customers. This includes home loans, personal loans, overdraft facilities, deposit products, and other general banking activities.
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