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FIMBankMAL:FIM 24 Equity-to-Asset is 0.14 as of Dec. 2025, which is 8% above its 10-year median of 0.13. GuruFocus rates MAL:FIM with a GF Score™ of 24/100 and a GF Value™ of $0.17 (Fairly Valued). The stock has 3 warning signs investors should review. Among 549 Credit Services companies, FIMBank ranks worse than 81.79% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. FIMBank's Total Stockholders Equity for the quarter that ended in Dec. 2025 was $183.76 Mil. FIMBank's Total Assets for the quarter that ended in Dec. 2025 was $1,361.31 Mil.
Therefore, FIMBank's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.14.
The historical rank and industry rank for FIMBank's Equity-to-Asset or its related term are showing as below:
MAL:FIM'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09 Med: 0.13 Max: 0.16
Current: 0.14
During the past 13 years, the highest Equity to Asset Ratio of FIMBank was 0.16. The lowest was 0.09. And the median was 0.13.
MAL:FIM's Equity-to-Asset is ranked worse than 81.79% of 549
companies
in the Credit Services industry
Industry Median: 0.4
vs MAL:FIM: 0.14
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%.
FIMBank Equity-to-Asset Related Terms
FIMBank Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for FIMBank'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 Credit Services subindustry, FIMBank'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.
FIMBank Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FIMBank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where FIMBank'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.
FIMBank'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.
FIMBank (MAL:FIM) has a Equity-to-Asset of 0.14 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on FIMBank and its competitors. This is near median its historical median of 0.13. Over the past decade, FIMBank's Equity-to-Asset has ranged from 0.09 to 0.16. According to the industry distribution chart, FIMBank ranks #449 out of 549 companies in the Credit Services industry, placing it in the top 81.8%.
Is FIMBank's Equity-to-Asset too high?
FIMBank's current Equity-to-Asset of 0.14 is near median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.16. The Credit Services industry median Equity-to-Asset is 0.40. FIMBank's value of 0.14 is 65% below this industry median. Based on the distribution chart, FIMBank ranks #449 out of 549 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, FIMBank has a GF Score™ of 24/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does FIMBank's Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, FIMBank ranks #449 out of 549 companies for Equity-to-Asset. This places FIMBank in the lower half of its industry. The industry median Equity-to-Asset is 0.40. FIMBank's value of 0.14 is 65% below this benchmark. Historically, FIMBank's own Equity-to-Asset has ranged from 0.09 to 0.16 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.40, FIMBank 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 Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 549 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. FIMBank's current Equity-to-Asset of 0.14 is 65% 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 FIMBank 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. FIMBank's current Equity-to-Asset is 0.14, which is near median its own 10-year median of 0.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FIMBank stock overvalued right now?
Based on GuruFocus' analysis, FIMBank (MAL:FIM) is currently considered Fairly Valued. The stock's GF Value™ is $0.17, compared to a current price of $0.16 — trading 5.9% below its estimated fair value. The current Equity-to-Asset is 0.14, which is near median its 10-year median of 0.13 and 65% below the Credit Services industry median of 0.40. FIMBank's overall GF Score™ is 24/100 with 3 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 FIMBank (MAL:FIM), the current Equity-to-Asset is 0.14 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 FIMBank (MAL:FIM) Overvalued in 2026?
Based on GuruFocus' analysis, FIMBank stock appears to be undervalued.
The current stock price of $0.16 is trading 5.9% below its estimated GF Value™ of $0.17.
GuruFocus considers FIMBank to be Fairly Valued.
Key valuation signals for MAL:FIM:
Equity-to-Asset: 0.14 (near median its 10-year median of 0.13)
GF Value™: $0.17 vs. price of $0.16 (5.9% below fair value)
Industry Position: 65% below the Credit Services median (#449 of 549)
No single metric tells the full story. See the MAL:FIM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FIMBank PLC is a finance company that is active in providing international trade finance and acts as an intermediary to other financial institutions for international settlements, real estate financing, factoring, and loan syndications. The company provides solutions through its five business segments of Trade Finance, Forfaiting, Factoring, Treasury, and Real Estate; out of which key revenues are derived from the Forfaiting segment. The company has a business presence in Malta, India, Turkey, Cote d'Ivoire and other countries.
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