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Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) 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%.
Financiera IndependenciaB de CV Sofom E N R Equity-to-Asset Related Terms
Financiera IndependenciaB de CV Sofom E N R 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.
Financiera IndependenciaB de CV Sofom E N R Equity-to-Asset Chart
Financiera IndependenciaB de CV Sofom E N R Annual Data
MEX:FINDEP vs V, MA, AXP: Equity-to-Asset Comparison
For the Credit Services subindustry, Financiera IndependenciaB de CV Sofom E N R'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.
Financiera IndependenciaB de CV Sofom E N R Equity-to-Asset vs Credit Services Industry
Financiera IndependenciaB de CV Sofom E N R 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.
* 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.
Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) has a Equity-to-Asset of 0.48 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Financiera IndependenciaB de CV Sofom E N R and its competitors. This is 20% above median its historical median of 0.40. Over the past decade, Financiera IndependenciaB de CV Sofom E N R's Equity-to-Asset has ranged from 0.33 to 0.54. According to the industry distribution chart, Financiera IndependenciaB de CV Sofom E N R ranks #232 out of 548 companies in the Credit Services industry, placing it in the top 42.3%.
Is Financiera IndependenciaB de CV Sofom E N R's Equity-to-Asset too high?
Financiera IndependenciaB de CV Sofom E N R's current Equity-to-Asset of 0.48 is 20% above median its 10-year median of 0.40. Over the past 10 years, this metric has ranged from a low of 0.33 to a high of 0.54. The Credit Services industry median Equity-to-Asset is 0.40. Financiera IndependenciaB de CV Sofom E N R's value of 0.48 is 20% above this industry median. Based on the distribution chart, Financiera IndependenciaB de CV Sofom E N R ranks #232 out of 548 companies in the Credit Services industry, which is above the industry midpoint. Overall, Financiera IndependenciaB de CV Sofom E N R has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Financiera IndependenciaB de CV Sofom E N R's Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Financiera IndependenciaB de CV Sofom E N R ranks #232 out of 548 companies for Equity-to-Asset. This puts Financiera IndependenciaB de CV Sofom E N R in the upper half of its industry. The industry median Equity-to-Asset is 0.40. Financiera IndependenciaB de CV Sofom E N R's value of 0.48 is 20% above this benchmark. Historically, Financiera IndependenciaB de CV Sofom E N R's own Equity-to-Asset has ranged from 0.33 to 0.54 over the past decade. While the company's 10-year median is 0.40 vs. the industry median of 0.40, Financiera IndependenciaB de CV Sofom E N R 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 548 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. Financiera IndependenciaB de CV Sofom E N R's current Equity-to-Asset of 0.48 is 20% 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 Financiera IndependenciaB de CV Sofom E N R 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. Financiera IndependenciaB de CV Sofom E N R's current Equity-to-Asset is 0.48, which is 20% above median its own 10-year median of 0.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Financiera IndependenciaB de CV Sofom E N R stock overvalued right now?
Based on GuruFocus' analysis, Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) is currently considered Modestly Undervalued. The stock's GF Value™ is MXN7.90, compared to a current price of MXN6.95 — trading 12% below its estimated fair value. The current Equity-to-Asset is 0.48, which is 20% above median its 10-year median of 0.40 and 20% above the Credit Services industry median of 0.40. Financiera IndependenciaB de CV Sofom E N R's overall GF Score™ is 55/100 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 Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP), the current Equity-to-Asset is 0.48 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 Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) Overvalued in 2026?
Based on GuruFocus' analysis, Financiera IndependenciaB de CV Sofom E N R stock appears to be undervalued.
The current stock price of MXN6.95 is trading 12% below its estimated GF Value™ of MXN7.90.
GuruFocus considers Financiera IndependenciaB de CV Sofom E N R to be Modestly Undervalued.
Key valuation signals for MEX:FINDEP:
Equity-to-Asset: 0.48 (20% above median its 10-year median of 0.40)
GF Value™: MXN7.90 vs. price of MXN6.95 (12% below fair value)
Industry Position: 20% above the Credit Services median (#232 of 548)
No single metric tells the full story. See the MEX:FINDEP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Financiera Independencia SAB de CV Sofom E N R operates as a microfinance company. The company offers Credipopular for self-employed individuals, CrediMama for mothers with a child, CrediInmediato for employed individuals.
55GF Score
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