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Fidelity BankNSA:FBP -2.27%69 Equity-to-Asset is 0.12 as of Mar. 2026, which is 20% above its 10-year median of 0.10. GuruFocus rates NSA:FBP with a GF Score™ of 69/100 and a GF Value™ of ₦14.52 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,525 Banks companies, Fidelity Bank ranks better than 71.87% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Fidelity Bank's Total Stockholders Equity for the quarter that ended in Mar. 2026 was ₦1,386,298 Mil. Fidelity Bank's Total Assets for the quarter that ended in Mar. 2026 was ₦11,354,300 Mil.
Therefore, Fidelity Bank's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.12.
The historical rank and industry rank for Fidelity Bank's Equity-to-Asset or its related term are showing as below:
NSA:FBP'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.1 Max: 0.15
Current: 0.12
During the past 13 years, the highest Equity to Asset Ratio of Fidelity Bank was 0.15. The lowest was 0.07. And the median was 0.10.
NSA:FBP's Equity-to-Asset is ranked better than 71.87% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs NSA:FBP: 0.12
Fidelity Bank (NSA:FBP) 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%.
Fidelity Bank Equity-to-Asset Related Terms
Fidelity Bank Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Fidelity 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.
Fidelity Bank Equity-to-Asset Competitor Comparison
For the Banks - Regional subindustry, Fidelity 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.
Fidelity Bank Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Fidelity Bank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Fidelity 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.
Fidelity 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.
Fidelity Bank (NSA:FBP) has a Equity-to-Asset of 0.12 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Fidelity Bank and its competitors. This is 20% above median its historical median of 0.10. Over the past decade, Fidelity Bank's Equity-to-Asset has ranged from 0.07 to 0.15. According to the industry distribution chart, Fidelity Bank ranks #429 out of 1525 companies in the Banks industry, placing it in the top 28.1%.
Is Fidelity Bank's Equity-to-Asset too high?
Fidelity Bank's current Equity-to-Asset of 0.12 is 20% above median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.15. The Banks industry median Equity-to-Asset is 0.10. Fidelity Bank's value of 0.12 is 20% above this industry median. Based on the distribution chart, Fidelity Bank ranks #429 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Fidelity Bank has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fidelity Bank's Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, Fidelity Bank ranks #429 out of 1525 companies for Equity-to-Asset. This puts Fidelity Bank in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Fidelity Bank's value of 0.12 is 20% above this benchmark. Historically, Fidelity Bank's own Equity-to-Asset has ranged from 0.07 to 0.15 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, Fidelity Bank 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 1,525 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. Fidelity Bank's current Equity-to-Asset of 0.12 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 Fidelity 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. Fidelity Bank's current Equity-to-Asset is 0.12, which is 20% above median its own 10-year median of 0.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fidelity Bank stock overvalued right now?
Based on GuruFocus' analysis, Fidelity Bank (NSA:FBP) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦14.52, compared to a current price of ₦21.50 — trading 48.1% above its estimated fair value. The current Equity-to-Asset is 0.12, which is 20% above median its 10-year median of 0.10 and 20% above the Banks industry median of 0.10. Fidelity Bank's overall GF Score™ is 69/100 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 Fidelity Bank (NSA:FBP), the current Equity-to-Asset is 0.12 as of Mar. 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 Fidelity Bank (NSA:FBP) Overvalued in 2026?
Based on GuruFocus' analysis, Fidelity Bank stock appears to be overvalued.
The current stock price of ₦21.50 is trading 48.1% above its estimated GF Value™ of ₦14.52.
GuruFocus considers Fidelity Bank to be Significantly Overvalued.
Key valuation signals for NSA:FBP:
Equity-to-Asset: 0.12 (20% above median its 10-year median of 0.10)
GF Value™: ₦14.52 vs. price of ₦21.50 (48.1% above fair value)
Industry Position: 20% above the Banks median (#429 of 1525)
No single metric tells the full story. See the NSA:FBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fidelity Bank PLC offers banking and other financial services to corporate and individual customers. It operates through segments including Retail banking that offers retail, personal and commercial services to individuals, small and medium business customers and E-Business products to serve retail banking; Its Corporate Banking segment offers commercial and corporate banking services to corporate business customers, it covers the Power and Infrastructure, Oil and Gas Upstream and downstream, Real Estate, Agro-Allied, and other industries; and Investment banking segment is involved in the funding and management of the bank's securities, trading, and investment decisions. It generates maximum revenue from the Retail Segment.
69GF Score
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