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Royal ExchangeNSA:ROYALEX -3.20%9 Equity-to-Asset is 0.59 as of Dec. 2025, which is 228% above its 10-year median of 0.18. GuruFocus rates NSA:ROYALEX with a GF Score™ of 9/100. The stock has 5 warning signs investors should review. Among 505 Insurance companies, Royal Exchange ranks better than 88.51% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Royal Exchange's Total Stockholders Equity for the quarter that ended in Dec. 2025 was ₦7,209.8 Mil. Royal Exchange's Total Assets for the quarter that ended in Dec. 2025 was ₦12,155.2 Mil.
Therefore, Royal Exchange's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.59.
The historical rank and industry rank for Royal Exchange's Equity-to-Asset or its related term are showing as below:
NSA:ROYALEX'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.11 Med: 0.18 Max: 0.68
Current: 0.59
During the past 13 years, the highest Equity to Asset Ratio of Royal Exchange was 0.68. The lowest was 0.11. And the median was 0.18.
NSA:ROYALEX's Equity-to-Asset is ranked better than 88.51% of 505
companies
in the Insurance industry
Industry Median: 0.26
vs NSA:ROYALEX: 0.59
Royal Exchange (NSA:ROYALEX) 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%.
Royal Exchange Equity-to-Asset Related Terms
Royal Exchange Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Royal Exchange'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.
NSA:ROYALEX vs BRK.A, AIG, HIG: Equity-to-Asset Comparison
For the Insurance - Diversified subindustry, Royal Exchange'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.
Royal Exchange Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Royal Exchange's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Royal Exchange'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.
Royal Exchange'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.
Royal Exchange (NSA:ROYALEX) has a Equity-to-Asset of 0.59 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Royal Exchange and its competitors. This is 228% above median its historical median of 0.18. Over the past decade, Royal Exchange's Equity-to-Asset has ranged from 0.11 to 0.68. According to the industry distribution chart, Royal Exchange ranks #58 out of 505 companies in the Insurance industry, placing it in the top 11.5%.
Is Royal Exchange's Equity-to-Asset too high?
Royal Exchange's current Equity-to-Asset of 0.59 is 228% above median its 10-year median of 0.18. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.68. The Insurance industry median Equity-to-Asset is 0.26. Royal Exchange's value of 0.59 is 126.9% above this industry median. Based on the distribution chart, Royal Exchange ranks #58 out of 505 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Royal Exchange has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does Royal Exchange's Equity-to-Asset compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Royal Exchange ranks #58 out of 505 companies for Equity-to-Asset. This places Royal Exchange in the top 12% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.26. Royal Exchange's value of 0.59 is 126.9% above this benchmark. Historically, Royal Exchange's own Equity-to-Asset has ranged from 0.11 to 0.68 over the past decade. While the company's 10-year median is 0.18 vs. the industry median of 0.26, Royal Exchange 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 an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 505 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. Royal Exchange's current Equity-to-Asset of 0.59 is 126.9% 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 Royal Exchange and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Royal Exchange's current Equity-to-Asset is 0.59, which is 228% above median its own 10-year median of 0.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Royal Exchange stock overvalued right now?
Royal Exchange (NSA:ROYALEX) has a current Equity-to-Asset of 0.59. The current Equity-to-Asset is 0.59, which is 228% above median its 10-year median of 0.18 and 126.9% above the Insurance industry median of 0.26. Royal Exchange's overall GF Score™ is 9/100 with 5 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 Royal Exchange (NSA:ROYALEX), the current Equity-to-Asset is 0.59 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.
Royal Exchange PLC principal activities are general insurance, health insurance, and credit financing, with segments including Life Insurance, Healthcare, and Credit Financing.
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