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Standard Bank MalawiMSW:STANDARD 81 Equity-to-Asset is 0.18 as of Dec. 2025, which is 5% below its 10-year median of 0.19. GuruFocus rates MSW:STANDARD with a GF Score™ of 81/100 and a GF Value™ of MWK1,949.11 (Significantly Overvalued). Among 1,526 Banks companies, Standard Bank Malawi ranks better than 91.68% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Standard Bank Malawi's Total Stockholders Equity for the quarter that ended in Dec. 2025 was MWK348,741 Mil. Standard Bank Malawi's Total Assets for the quarter that ended in Dec. 2025 was MWK1,937,253 Mil.
Therefore, Standard Bank Malawi's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.18.
The historical rank and industry rank for Standard Bank Malawi's Equity-to-Asset or its related term are showing as below:
MSW:STANDARD'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.17 Med: 0.19 Max: 0.23
Current: 0.18
During the past 8 years, the highest Equity to Asset Ratio of Standard Bank Malawi was 0.23. The lowest was 0.17. And the median was 0.19.
MSW:STANDARD's Equity-to-Asset is ranked better than 91.68% of 1526
companies
in the Banks industry
Industry Median: 0.1
vs MSW:STANDARD: 0.18
Standard Bank Malawi (MSW:STANDARD) 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%.
Standard Bank Malawi Equity-to-Asset Related Terms
Standard Bank Malawi Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Standard Bank Malawi'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.
MSW:STANDARD vs PNC, USB: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Standard Bank Malawi'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.
Standard Bank Malawi Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Standard Bank Malawi's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Standard Bank Malawi'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.
Standard Bank Malawi'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.
Standard Bank Malawi (MSW:STANDARD) has a Equity-to-Asset of 0.18 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Standard Bank Malawi and its competitors. This is near median its historical median of 0.19. Over the past decade, Standard Bank Malawi's Equity-to-Asset has ranged from 0.17 to 0.23. According to the industry distribution chart, Standard Bank Malawi ranks #127 out of 1526 companies in the Banks industry, placing it in the top 8.3%.
Is Standard Bank Malawi's Equity-to-Asset too high?
Standard Bank Malawi's current Equity-to-Asset of 0.18 is near median its 10-year median of 0.19. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 0.23. The Banks industry median Equity-to-Asset is 0.10. Standard Bank Malawi's value of 0.18 is 80% above this industry median. Based on the distribution chart, Standard Bank Malawi ranks #127 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Standard Bank Malawi has a GF Score™ of 81/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Bank Malawi's Equity-to-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Standard Bank Malawi ranks #127 out of 1526 companies for Equity-to-Asset. This places Standard Bank Malawi in the top 8% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Standard Bank Malawi's value of 0.18 is 80% above this benchmark. Historically, Standard Bank Malawi's own Equity-to-Asset has ranged from 0.17 to 0.23 over the past decade. While the company's 10-year median is 0.19 vs. the industry median of 0.10, Standard Bank Malawi 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 Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,526 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. Standard Bank Malawi's current Equity-to-Asset of 0.18 is 80% 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 Standard Bank Malawi 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. Standard Bank Malawi's current Equity-to-Asset is 0.18, which is near median its own 10-year median of 0.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Bank Malawi stock overvalued right now?
Based on GuruFocus' analysis, Standard Bank Malawi (MSW:STANDARD) is currently considered Significantly Overvalued. The stock's GF Value™ is MWK1,949.11, compared to a current price of MWK3,995.95 — trading 105% above its estimated fair value. The current Equity-to-Asset is 0.18, which is near median its 10-year median of 0.19 and 80% above the Banks industry median of 0.10. Standard Bank Malawi's overall GF Score™ is 81/100. 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 Standard Bank Malawi (MSW:STANDARD), the current Equity-to-Asset is 0.18 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 Standard Bank Malawi (MSW:STANDARD) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Bank Malawi stock appears to be overvalued.
The current stock price of MWK3,995.95 is trading 105% above its estimated GF Value™ of MWK1,949.11.
GuruFocus considers Standard Bank Malawi to be Significantly Overvalued.
Key valuation signals for MSW:STANDARD:
Equity-to-Asset: 0.18 (near median its 10-year median of 0.19)
GF Value™: MWK1,949.11 vs. price of MWK3,995.95 (105% above fair value)
Industry Position: 80% above the Banks median (#127 of 1526)
No single metric tells the full story. See the MSW:STANDARD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Standard Bank Malawi PLC provides banking services. Its business operations are divided into three segments Corporate and Investment Banking, Personal and Private Banking, Business and Commercial Banking, and Treasury and Capital Management. Services offered by the company include current accounts, savings, deposits, investment savings products, custody, debit cards, consumer loans, mortgages, internet banking, telephone banking, foreign exchange, commodities, debt securities, and equities trading, among others. Its branches are located across Malawi. The Bank offers its services to individual customers and small to medium-sized enterprises.
81GF Score
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