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Premia Finance SpAMIL:PFI -8.70%62 Equity-to-Asset is 0.48 as of Dec. 2025, which is 21% below its 10-year median of 0.61. GuruFocus rates MIL:PFI with a GF Score™ of 62/100 and a GF Value™ of €1.56 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 549 Credit Services companies, Premia Finance SpA ranks better than 57.38% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Premia Finance SpA's Total Stockholders Equity for the quarter that ended in Dec. 2025 was €2.31 Mil. Premia Finance SpA's Total Assets for the quarter that ended in Dec. 2025 was €4.80 Mil.
Therefore, Premia Finance SpA's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.48.
The historical rank and industry rank for Premia Finance SpA's Equity-to-Asset or its related term are showing as below:
MIL:PFI'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.48 Med: 0.61 Max: 0.71
Current: 0.48
During the past 7 years, the highest Equity to Asset Ratio of Premia Finance SpA was 0.71. The lowest was 0.48. And the median was 0.61.
MIL:PFI's Equity-to-Asset is ranked better than 57.38% of 549
companies
in the Credit Services industry
Industry Median: 0.4
vs MIL:PFI: 0.48
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%.
Premia Finance SpA Equity-to-Asset Related Terms
Premia Finance SpA Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Premia Finance SpA'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, Premia Finance SpA'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.
Premia Finance SpA Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Premia Finance SpA's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Premia Finance SpA'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.
Premia Finance SpA'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.
Premia Finance SpA (MIL:PFI) has a Equity-to-Asset of 0.48 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Premia Finance SpA and its competitors. This is 21% below median its historical median of 0.61. Over the past decade, Premia Finance SpA's Equity-to-Asset has ranged from 0.48 to 0.71. According to the industry distribution chart, Premia Finance SpA ranks #234 out of 549 companies in the Credit Services industry, placing it in the top 42.6%.
Is Premia Finance SpA's Equity-to-Asset too high?
Premia Finance SpA's current Equity-to-Asset of 0.48 is 21% below median its 10-year median of 0.61. Over the past 10 years, this metric has ranged from a low of 0.48 to a high of 0.71. The Credit Services industry median Equity-to-Asset is 0.40. Premia Finance SpA's value of 0.48 is 20% above this industry median. Based on the distribution chart, Premia Finance SpA ranks #234 out of 549 companies in the Credit Services industry, which is above the industry midpoint. Overall, Premia Finance SpA has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Premia Finance SpA's Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Premia Finance SpA ranks #234 out of 549 companies for Equity-to-Asset. This puts Premia Finance SpA in the upper half of its industry. The industry median Equity-to-Asset is 0.40. Premia Finance SpA's value of 0.48 is 20% above this benchmark. Historically, Premia Finance SpA's own Equity-to-Asset has ranged from 0.48 to 0.71 over the past decade. While the company's 10-year median is 0.61 vs. the industry median of 0.40, Premia Finance SpA 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 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. Premia Finance SpA'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 Premia Finance SpA 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. Premia Finance SpA's current Equity-to-Asset is 0.48, which is 21% below median its own 10-year median of 0.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Premia Finance SpA stock overvalued right now?
Based on GuruFocus' analysis, Premia Finance SpA (MIL:PFI) is currently considered Possible Value Trap. The stock's GF Value™ is €1.56, compared to a current price of €0.63 — trading 59.6% below its estimated fair value. The current Equity-to-Asset is 0.48, which is 21% below median its 10-year median of 0.61 and 20% above the Credit Services industry median of 0.40. Premia Finance SpA's overall GF Score™ is 62/100 with 6 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 Premia Finance SpA (MIL:PFI), the current Equity-to-Asset is 0.48 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 Premia Finance SpA (MIL:PFI) Overvalued in 2026?
Based on GuruFocus' analysis, Premia Finance SpA stock appears to be undervalued.
The current stock price of €0.63 is trading 59.6% below its estimated GF Value™ of €1.56.
GuruFocus considers Premia Finance SpA to be Possible Value Trap.
Key valuation signals for MIL:PFI:
Equity-to-Asset: 0.48 (21% below median its 10-year median of 0.61)
GF Value™: €1.56 vs. price of €0.63 (59.6% below fair value)
Industry Position: 20% above the Credit Services median (#234 of 549)
No single metric tells the full story. See the MIL:PFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Premia Finance SpA provides credit brokerage services. The company helps banks, credit organizations, and financial institutions to connect with borrowers for various credit products such as fifth transfer, mortgages, personal loans, microcredit, loan with delegation, insurance, and others.
62GF Score
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